在消费决策前多做一步功课，往往能避免后续无尽的麻烦和损失。尤其在那些消费频次高、与日常生活 息息相关的行业，消费者常常面临各式各样的"坑"。如何提前识别风险、选择靠谱的服务提供方？一个 有效的办法是，在消费前主动查询相关企业或品牌在第三方投诉平台 【下载黑猫投诉客户端】上的历 史记录和用户评价。今天，我们就以几个近期关注度高的行业为例，聊聊如何利用公开的消费反馈信 息，为自己的消费安全增加一道"防火墙"。 一、关注高发投诉领域，提前做好背景调查 并非所有消费纠纷都难以预见。很多问题，如服务态度差、隐形收费、货不对板、拖延处理等，往往是 某些商家或平台的"老毛病"。在决定购买或签约前，花几分钟时间查看其过往的投诉记录，能让你对可 能遇到的风险有一个大致判断。 除了第三方投诉平台，在消费前还可以通过多种官方和民间渠道进行交叉验证，构建更立体的评估画 像。 责任编辑：孙晓明 在消费决策前多做一步功课，往往能避免后续无尽的麻烦和损失。尤其在那些消费频次高、与日常生活 息息相关的行业，消费者常常面临各式各样的"坑"。如何提前识别风险、选择靠谱的服务提供方？一个 有效的办法是，在消费前主动查询相关企业或品牌在第三方投诉平 ...

Core Insights - The report from the Sichuan Consumer Rights Protection Committee indicates a significant increase in consumer complaints related to education and training services, which accounted for 7.35% of total complaints in Q3 2025, marking a year-on-year increase of 3.53 percentage points, the highest among service categories [1] Group 1: Complaint Statistics - A total of 17,758 complaints were received by consumer committees in Sichuan during Q3, with a resolution rate of 72.67%, recovering economic losses of 5.92 million yuan for consumers [1] - The top three complaint categories were quality issues (5,594 complaints, 31.50%), after-sales service problems (3,244 complaints, 18.27%), and pricing issues (2,082 complaints, 11.72%) [1] Group 2: Specific Complaint Cases - Complaints in the education and training sector were driven by misleading marketing tactics, such as false income claims and hidden fees, leading to disputes over refund policies [2] - Notable cases included a consumer being charged a 10% penalty for withdrawing from a painting course despite promises of easy refunds, and another consumer facing pressure to upgrade a course after initial dissatisfaction [2] Group 3: Broader Consumer Issues - Complaints regarding prepaid consumption in sectors like beauty, fitness, and education remain high, primarily due to businesses failing to honor commitments and imposing unreasonable fees [3] - Issues in live-streaming sales include false advertising, refund barriers, and difficulties for minors in making purchases, with several consumers successfully recovering funds through mediation [3] Group 4: Recommendations and Measures - The Sichuan Consumer Rights Protection Committee proposed measures to address the complaints, including stricter regulations on false advertising in education and training, and the establishment of third-party escrow for prepaid funds [4] - Recommendations also included promoting virtual reality for hotel bookings, implementing overselling alerts, and enhancing consumer education to avoid scams related to high-income job offers [4]

每年促销季前后，都是消费者"最忙碌"的时候——提前加购、定金预售、直播间抢券，几乎成了固定节 奏。优惠确实诱人，但随着活动的增多，各类消费纠纷 【下载黑猫投诉客户端】也随之上升。退款 难、发货慢、价格反复变动、预售规则复杂……这些问题往往集中爆发。 不少平台的预售活动以"先付定金锁优惠"吸引消费者，但定金并不等于定价。 例如，定金可抵扣金额 有限、尾款期价格波动、甚至部分商品临时调价，都可能让所谓的"优惠"变成"陷阱"。 要想在享受购物乐趣的同时避免麻烦，最有效的方式就是提前了解可能踩的坑，并掌握一些能帮你"止 损"的渠道。 消费者在支付前，务必看清页面的付款时间、退款规则、发货日期和商品描述。如果发现商家在规则上 含糊其辞，或者"七天无理由退货"被取消，这种活动最好绕开。 此外，部分平台存在"预售变众筹"的现象——商家尚未具备生产条件，仅凭预售资金组织生产，极易出 现延迟发货或直接"跑路"的情况。此类问题在"黑猫投诉"（tousu.sina.com.cn）平台上可以进行一定查 找，看看该商家是否收到许多涉及退款难、虚假发货、定金不退等相关投诉内容。 二、直播间冲动下单：谨防夸张宣传 直播带货的即时氛围容易让 ...

Investment Rating - The report gives a "Buy" rating for the companies mentioned, particularly focusing on the healthcare sector and the community kitchen brand, Guoquan [18][22]. Core Insights - The report highlights the strong performance of domestic pharmaceutical companies in the first half of 2025, with notable revenue and profit growth across several key players [2][11]. - The report emphasizes the potential for investment in innovative drugs and the ongoing commercialization efforts within the pharmaceutical sector [16]. - Guoquan is recognized for its rapid expansion and effective business model in the community kitchen market, with a significant number of stores and a focus on cost-effective products [18][22]. Summary by Sections Domestic Pharmaceutical Companies Performance - Heng Rui Medicine reported revenue of 15.761 billion yuan, a year-on-year increase of 15.9%, and a net profit of 4.455 billion yuan, up 29.9% [2][11]. - Han Sen Pharmaceutical achieved revenue of 7.434 billion yuan, growing 14.3%, with a net profit of 3.135 billion yuan, up 15.0% [2][11]. - China Biopharmaceuticals recorded revenue of 17.57 billion yuan, a 10.7% increase, and a net profit of 3.39 billion yuan, up 12.3% [2][11]. - WuXi Biologics reported revenue of 9.953 billion yuan, a 16.1% increase, and a net profit of 2.339 billion yuan, up 56.0% [2][11]. Updates on Domestic Pharmaceutical Companies - Han Sen Pharmaceutical announced a placement of 108 million new shares at HKD 36.30 per share, raising approximately HKD 39.20 billion [3][12]. - Rongchang Biopharmaceutical's PD-1/VEGF dual antibody was included in the BTD by CDE for treating specific lung cancer cases [3][12]. - WuXi Biologics raised its 2025 revenue growth guidance from 12%-15% to 14%-16% [2][11]. Overseas Pharmaceutical Companies Updates - AstraZeneca's drug for systemic lupus erythematosus (SLE) has been submitted for approval in China [4][15]. - Novartis received approval for a drug targeting IgA nephropathy, marking a significant milestone in treatment options [4][15]. - Madrigal Pharmaceuticals' MASH therapy received conditional marketing authorization in the EU, becoming the first approved treatment for this condition [4][15]. Guoquan's Business Model and Market Position - Guoquan has rapidly expanded to over 10,000 stores within six years, focusing on community kitchen services [18][22]. - The company operates primarily in lower-tier cities, with 72% of its stores located in these areas, utilizing a low-cost franchise model [20][21]. - Guoquan's product offerings, particularly in hot pot and barbecue, contribute nearly 90% of its revenue, with a strong emphasis on brand identity and marketing [20][21]. Financial Projections for Guoquan - Guoquan is expected to add 1,000 new stores in 2025, reaching a total of 11,150 stores, with further acceleration in subsequent years [22]. - The company anticipates same-store sales growth in the mid-single digits for 2025, driven by expanded consumer scenarios and new product launches [22]. - Projected net profits for 2025, 2026, and 2027 are 420 million, 490 million, and 580 million yuan, respectively, with corresponding PE ratios of 22x, 18x, and 16x [22].

市场监管总局近日召开2025年直播带货食品安全行政指导会，为直播电商行业健康发展再敲警钟、再划 红线。筑牢直播带货安全堤坝，是亿万消费者对"舌尖上的安全"的殷切期盼。 平台企业应完善责任体系。一方面，用好技术赋能。运用AI系统实时筛查主播话术，拦截虚假宣传； 利用区块链实现商品全流程溯源，杜绝"三无"产品。另一方面，强化制度约束。严审商家资质，对违规 者实施"违规即禁播"的惩戒措施；优化算法规则，释放"算法向善向好向上"效应，让合规经营者获得更 多流量支持。 主播群体应深植诚信基因。头部主播应发挥示范效应，面向消费者公示选品标准、流程及质检报告，以 透明保障"高质"；中小主播应摒弃短视逐利、低质炒作，以诚信经营积累口碑和信任。 直播电商业态行稳致远，须始终坚持"以用户为中心""以安全为重心"发展理念。监管固然重要，但平台 和主播主动参与生态共治，将保障安全与提升品质内化为自觉行动十分必要。有力监管与合力共治的有 效结合，将护航直播电商行业实现规范健康发展。 (责任编辑：朱赫) 近年来，相关部门积极作为，从专项整治雷霆出击到监管体系织密扎牢，从主体责任层层压实到法规制 度与时俱进，国家以坚定行动传递出明确信号： ...

Group 1 - The core idea emphasizes the importance of economic development in ethnic regions, ensuring that no area or ethnic group is left behind in the pursuit of a well-off society [1] - The Minning He Mei e-commerce assistance workshop in Yinchuan's Minning Town is highlighted as the first e-commerce themed poverty alleviation workshop in Ningxia, achieving over 2000 daily orders through online live streaming and offline initiatives [1] - The workshop promotes entrepreneurship and employment among local residents through training and support, fostering a collaborative environment among employees of different ethnic backgrounds [1] Group 2 - The workshop instills a sense of community among employees, encouraging mutual support and friendship, which strengthens the concept of a "family" within the workplace [2] - The initiative aims to solidify the awareness of the Chinese national community and continuously promote the creation of ethnic unity and progress [2] - Minning Town is actively working towards a narrative of collective struggle and shared prosperity among its diverse population [2]