"提振消费、扩大内需"是今年经济工作的首要任务。消费金融公司如何助力消费，从其功能来看，一方 面，以灵活信贷供给激活居民潜在的消费动能；另一方面，凭借专业化服务，推动消费结构优化升级。 2025年已经过半，在提振消费方面，消费金融公司做了哪些工作？未来将如何发力？ 拓展场景成关键词 作为上半年推动消费的关键节点，"6.18"购物节成为洞察经济活力、审视消费趋势变化的重要窗口。今 年的"6.18"从5月中旬开始，持续时间超过1个月，再次创下新纪录。 蒙商消金聚焦下沉市场和长尾客户，推进公司金融产品及服务渗透至商品购买、旅游出行等多领域消费 场景，扩展金融服务的广度与深度。该公司相关负责人表示，2025年以来，该公司累计发放贷款95.87 亿元，较去年同期增加36亿元，累计服务客户达148万人次，较去年同期增加34万人次，增幅为30%。 2024年以来，公司已累计发放折扣券、优惠券67批，发放数量超420万张，领取数量超31万张，累计促 进消费贷款超1600万元。 聚焦场景持续发力 今年上半年，消费金融公司在场景化布局的赛道上持续深耕发力，通过深挖不同领域的消费需求构建服 务生态。 随着老龄化程度不断加深，社会对 ...

凤凰网科技《浪潮》出品 凤凰网科技讯 7月21日，中国联通（600050）正以一种超乎外界预期的速度与决心，从传统的网络运营 商向一家以AI为核心驱动力的科技公司深刻转型。凤凰网科技近日对中国联通市场部总经理贾志强的 专访，清晰地揭示了这一战略的核心——"通信服务+AI应用"的深度融合 。通过打造以"联通云智手 机"和"智家通通"为代表的战略级云智产品矩阵，联通不仅试图破解数字消费领域的诸多痛点，更展露 出重塑智能终端应用生态的雄心。其最大亮点在于，联通正尝试利用云端AI能力， 将打电话、发信息、拍照等手机最基础的功能进行彻底的革新与重做 ，意图在被传统硬件与操作系统 固化的体验之外，开辟一条全新的"云端进化"之路。 破局之道："融合"与"创新"打破应用孤岛 在数字消费领域，联通的差异化打法直指当前用户体验的核心痛点——应用"烟囱化" 。贾志强在采访 中指出，联通作为运营商的独特优势，在于能够将市场上各种垂直、独立的应用进行整合打通，为用户 提供一站式服务，避免在不同应用间频繁跳转的割裂感 。 对于商务人士：它实现了"一机多用、多端共存"，内置的AI通通助手能实时记录会议纪要、快速生成 PPT，在远程设计、跨 ...

Manus回应撤离中国市场原因，总结经验教训 【观网财经丨智能早报 7月21日】 7月19日，Manus 联合创始人季逸超发布了一篇长博客，从技术层面深度复盘从创业以来在 Agent（智 能体）研发与训练方面的经验教训。季逸超表示，Manus 团队之所以选择「套壳」而非自研大模型，正 是基于前一次创业的惨痛教训。然而，这个过程并不简单，团队经历了4次智能体框架调整才实现局部 最优解。 通过回溯过去几个月的创业历程，季逸超总结了一系列经验。他指出，AI 智能体的未来在于上下文设 计，而非单纯比拼模型能力。 季逸超的长文主要是技术层面的复盘与探讨，但并未对市场关注的裁员、迁址新加坡、撤离中国市场等 话题进行直接回应。（智通财经） Kimi K2登顶全球开源模型冠军 据全球大模型竞技场LMArena消息，开源模型与闭源模型的竞争进一步升级。在全球开源模型排行榜 中，Kimi K2、DeepSeek R1、Qwen3等3个来自中国的开源模型排名前三，领先于谷歌Gemma3和Meta 旗下Llama4，Kimi K2成为全球最强开源模型。该榜单由数千位开发者通过动态盲测进行投票。英伟达 CEO黄仁勋近期也多次在北京表示 ...

Group 1: Digital Transformation in Consumer Finance - The implementation of the "High-Quality Development Implementation Plan for Inclusive Finance" aims to establish a comprehensive inclusive financial system within five years, promoting common prosperity [1] - Financial institutions are focusing on technology finance, green finance, and digital finance to enhance service quality and support economic development [1] - Companies like Ma Shang Consumer Finance have built a research team of over 3,200 people, representing more than 70% of their workforce, and developed over 1,000 core technology systems [2][3] Group 2: AI and Technology Integration - Haier Consumer Finance has invested 2 billion yuan in technology research and development, with over 70% of its workforce dedicated to technology [3] - The introduction of AI-driven models, such as "Zhaolian Zhilu," enhances financial service efficiency and user experience [2] - Companies are transitioning from labor-intensive to intelligence-intensive models, fundamentally changing the logic of financial services [3] Group 3: Risk Management and Innovation - Centralized risk management models combining data, algorithms, and strategies are being established to enhance risk identification and fraud prevention [5] - Companies are actively applying for patents and developing software to support their technological innovations, with a total of 146 patents filed by one company [4] - The focus on digital transformation is aimed at optimizing business processes and improving service experiences in a competitive market [5] Group 4: Inclusive Finance and Consumer Services - Licensed consumer finance institutions are designing differentiated products to lower service thresholds and enhance accessibility [6] - Companies like Zhongyuan Consumer Finance have served over 3 million new citizens, providing loans exceeding 4.7 billion yuan [6] - Ma Shang Consumer Finance targets new citizens and students, offering flexible small retail financial products and achieving over 2 billion users by the end of 2024 [7] Group 5: Green and Elderly Finance - Consumer finance institutions are integrating green finance initiatives to support sustainable development and promote green consumption [8] - Innovations in elderly finance include identity verification systems and financial literacy programs to protect older adults from fraud [9] - Companies are leveraging technology to enhance financial services for rural populations, improving access to credit [10]

Core Insights - The smart home market in China is projected to reach 682.1 billion yuan by 2024, with a significant acceleration in market growth [1] - Smart appliances account for 81% of the market, while control and connectivity products only represent 10%, indicating a strong hardware advantage but a lag in software integration [1] - A major issue is the lack of interoperability among devices, with 37% of smart home users needing to use an average of 4.3 apps, complicating the user experience [1] Group 1 - The award received by the brand "Sanying Niao" at the China Building Expo reflects its commitment to improving smart home experiences through technological innovation [5] - The brand's proactive service capabilities have evolved beyond basic functions like remote control and voice commands to include AI-driven recognition and sensing technologies [5] - The "Sanying Niao" platform allows users to customize their smart home setups easily, enhancing user engagement and satisfaction [7] Group 2 - The smart home development should focus on user needs, integrating technology into real-life scenarios to enhance convenience and comfort [7] - The "Sanying Niao" brand offers tailored solutions for various user preferences, including personalized kitchen designs and adaptable bathroom solutions for the elderly [5] - The monthly active users of the Haier Smart Home app have surpassed 11 million, indicating a growing user base and engagement [5]

Core Viewpoint - The Shandong Provincial Government has introduced the "Shandong Robot Industry High-Quality Development Action Plan (2025-2027)" to promote the rapid development of the robot industry, establishing Shandong as a significant manufacturing base for robots in Northern China [1] Group 1: Industry Growth and Scale - As of the end of 2024, Shandong has over 200 upstream and downstream robot enterprises, achieving nearly 30 billion yuan in annual revenue with a compound annual growth rate exceeding 15% over the past three years [3] - From January to May this year, the production of industrial robots in Shandong increased by 72.4% year-on-year [3] - More than 50 robot companies in Shandong have annual revenues exceeding 100 million yuan, leading to breakthroughs in key areas such as artificial intelligence algorithms and high-precision reducers [3] Group 2: Industrial Structure and Collaboration - Shandong has developed a comprehensive industrial chain covering R&D design, complete machine manufacturing, system integration, component supply, and after-sales service [3] - The province is focusing on a "4+N" industrial layout, creating development hubs in Jinan, Qingdao, Zibo, and Jining, fostering a collaborative ecosystem among upstream and downstream partners [3] Group 3: Innovation and R&D Capabilities - Shandong has established high-energy platforms to enhance innovation, including the National Robot Innovation Center and several key laboratories and research centers [4] - The province has cultivated three provincial-level robot manufacturing innovation centers, promoting collaboration between universities and enterprises to accelerate the transformation of innovative results [4] - A total of 26 universities in Shandong offer robotics engineering programs, ensuring a talent pool for industry innovation [4] Group 4: Product Development and Application - Continuous technological breakthroughs have accelerated the iteration of robot products, enhancing their application in various sectors such as electronics assembly and medical services [5] - Notable advancements include a flexible collaborative arm that improves production efficiency by over 40%, and a surgical robot that completed China's first "quantum remote surgery" [5] - Shandong aims to further support the robot industry, promoting deep integration of production, education, research, and application across various sectors [5]

Group 1 - The real estate market has stabilized due to policy adjustments, leading to increased cross-industry collaboration among home appliance, home furnishing, and real estate companies [1] - The integration of the real estate and home decoration industries, along with consumption upgrades, is driving leading companies to explore new business opportunities [1] - The AI smart home application has emerged as a new consumer hotspot, with brands breaking traditional boundaries to seek integration between home decoration and home appliances [2] Group 2 - A significant challenge in the smart home industry has been the lack of interoperability between devices from different brands, with 37% of users having over five different brands of smart devices [2] - The introduction of a unified AI model by companies like San Yi Niao aims to optimize home environments automatically, allowing users to manage multiple devices through a single app [2][3] - The establishment of alliances among companies, such as Xiangjiang Group's collaboration with major smart home brands, aims to create a comprehensive smart home ecosystem [2][3] Group 3 - The new smart home system developed by Xiangjiang Group integrates various protocols, enabling seamless collaboration between products from different brands [3] - The system utilizes AI to enhance user experience by proactively adjusting settings based on environmental conditions and user behavior [3] - Companies are increasingly diversifying their business models to drive revenue growth, particularly in the context of energy-efficient renovations and the "old-for-new" policy [4] Group 4 - Home furnishing companies like Gujia Home and Shangpin Home have actively expanded into the home appliance sector, establishing subsidiaries to cover appliance sales and services [4][5] - Traditional home appliance companies are also forming strategic partnerships to provide integrated solutions, such as Haier's collaboration with Zhigang Home [5] - The smart building market is seeing significant interest from home appliance companies, with a focus on energy efficiency and system upgrades in existing buildings [5][6] Group 5 - Midea's global innovation park, with an investment of over 7 billion RMB, showcases advanced smart building management systems and aims to become a world-class green technology park [6] - The rapid development of AI technology is transforming the smart building industry, enabling data-driven decision-making and dynamic optimization of building systems [6][7] - Midea Building Technology has become a leading player in the ToB business segment, achieving significant revenue growth and serving numerous large-scale projects globally [7]

Core Viewpoint - Aqi Group announced an 80 million yuan renovation plan for its subsidiaries, aiming to reshape the high-end home furnishing market in Chongqing through enhanced shopping experiences and strategic collaborations [1][3][5]. Group 1: Investment and Strategic Focus - Aqi Group will focus on optimizing the shopping experience and strengthening management teams at its two major locations: Liangjiang International MALL and other stores [3]. - The company plans to deepen strategic collaboration with Juran Smart Home to drive the transformation of the Chongqing home furnishing market [5]. Group 2: Challenges and Solutions - Aqi Group's general manager identified four major pain points in the home furnishing industry: brand loss, unclear positioning, lack of innovation, and data wastage [7]. - The company proposed three transformative strategies: leveraging the 5.2 trillion yuan renovation market in Chongqing, targeting high-end customer groups in Liangjiang New Area, and committing to sustainable changes [7]. Group 3: Implementation and Future Vision - Liangjiang International MALL's general manager outlined a plan to replace traditional methods with a system focused on effective traffic and value creation, supported by an 80 million yuan investment [9]. - The renovation marks a significant milestone for Aqi Group, which has been deeply involved in the Chongqing home furnishing industry for 30 years, aiming to transition from traditional retail to a "lifestyle aesthetic service ecosystem" [15].

Core Viewpoint - The recent capital increase and equity structure adjustment of Hubei Consumer Finance highlights a significant shift in the consumer finance industry, driven by regulatory changes and the need for companies to enhance their capital strength to remain competitive [2][3][4]. Group 1: Capital Increase and Regulatory Changes - Hubei Consumer Finance's registered capital has been approved to increase from 1.0058 billion to 1.3589 billion yuan, with Hubei Bank's stake rising to 49.61% [2]. - The new regulatory framework effective from April 2024 mandates that consumer finance companies must have a registered capital of at least 1 billion yuan and that major shareholders must hold at least 50% [2][3]. - Several consumer finance companies, including Citic Consumer Finance, have announced capital increases in response to these regulatory requirements [2][3]. Group 2: Industry Challenges and Responses - The consumer finance industry faces challenges such as rising customer acquisition costs and increasing non-performing assets, which pressure profit margins [4][5]. - Companies with insufficient registered capital may struggle to expand their business scale and compete effectively in the growing consumer finance market [4][5]. - Hubei Consumer Finance's capital increase is a strategic move to enhance its financial strength and market competitiveness, particularly with Hubei Bank's increased influence [5]. Group 3: Financing Strategies and Market Dynamics - Leading consumer finance companies are diversifying their financing channels, utilizing methods such as issuing financial bonds and asset-backed securities (ABS) to optimize their funding structure [6][8]. - For instance, Haier Consumer Finance plans to issue 1.5 billion yuan in ABS, reflecting a trend among top firms to secure stable funding for business expansion [6][7]. - The disparity in financing capabilities between leading and smaller institutions is widening, with top firms benefiting from lower-cost funding while smaller firms face higher costs and limited options [6][8]. Group 4: Technological Advancements and Competitive Edge - Leading institutions are leveraging technology to build competitive advantages, with companies like Zhongan Consumer Finance and Ma Shang Consumer Finance investing heavily in AI and big data to enhance service efficiency and user experience [9][10][11]. - The adoption of advanced technologies is crucial for improving risk management and customer engagement, as seen in the development of proprietary AI models and intelligent systems [10][11][12]. - Smaller institutions, however, struggle with technology adoption due to limited resources, which hampers their ability to compete effectively in the evolving market landscape [12].

【环球网科技报道 记者 张阳】随着5G技术的商用化进程不断加速，5G-A作为5G的演进版本，以其更快的速率、更低的时延和更广的连接能力，正逐步改 变着我们的生活方式。而AI技术的蓬勃发展，则为这一变革注入了强大的智能动力。 中国三大运营商已在国内31个省份、300余个城市完成5G-A覆盖，覆盖核心商圈、交通枢纽、工业园区等关键场景。中国移动计划投入98亿元，年内开通超 10万个三载波聚合基站；中国联通则在39个重点城市主城区全面启动5G-A业务，并在31省开展低空通信示范；中国电信已部署约7万5G-A基站，覆盖121个 城市。 5G-A网络到底如何重塑智慧生活与产业生态？近日，上海联通通过5G-A与AI的深度融合，推出了"智家通通"等一系列创新产品，打造了智慧家庭与智慧出 行的新生态。记者也来到上海，深入杨浦联通大厦营业厅与西安路5G-A车联网示范区，近距离体验了5G-A与AI融合将给未来生活带来的巨大变化。从家庭 场景的"智家通通"到车路协同的"双20"示范区，上海联通正以双万兆网络为基石，构建起覆盖消费与产业的全场景智慧生态。 " 智家通通 "—— 未来智慧家庭生活样板 走进杨浦联通大厦营业厅，记者就被" ...