在金融服务日益多元化的今天，银行网点如何突破传统业务边界，更好地融入社区居民的日常生活，成 为行业探索的重要方向。近日，镇江农商银行润兴路支行创新"社区团购"服务模式，通过打造"金融+生 活"的特色服务平台，不仅丰富了金融服务的内涵，更在社区中掀起一股"团购热"，首日即实现交易量 135笔的亮眼成绩。 创新突破：从金融服务到生活服务的跨越 日前，经过数月的精心筹备，镇江农商银行润兴路支行作为零售型特色支行的代表，正式推出"私域团 购"服务。这一创新举措的背后，是润兴路支行对当前社区居民需求的深刻洞察。 随着生活节奏的加快，居民对便捷、优质、实惠的购物需求日益增长，而传统的金融服务已难以完全满 足客户多元化的需求。基于这一认识，润兴路支行决定突破传统银行业务框架，将金融服务与生活服务 有机结合。 "我们希望通过这种创新模式，让银行服务更好地融入居民的日常生活。"润兴路支行负责人表示，"这 不仅是对总行特色支行建设工作的具体落实，更是我们对'以客户为中心'服务理念的深入实践。" 精心筹备：打造专业可靠的团购平台 为确保团购服务的顺利开展，润兴路支行进行了一系列周密准备。在硬件配置方面，支行专门规划出产 品展示区和 ...

Core Viewpoint - The article discusses the current state of Xing Sheng You Xuan after its retreat to its home base in Hunan, highlighting its struggles and strategic shifts in the community group buying market amidst competition from major internet companies [2][3][4]. Group 1: Company Overview - Xing Sheng You Xuan, a pioneer in community group buying, has faced significant challenges, including competition from major players and a strategic retreat to Hunan, Hubei, and Jiangxi provinces [2][4]. - The company has experienced high-level personnel turnover, with many internet executives who joined in recent years leaving the company [3][5]. - As of the end of 2023, Xing Sheng You Xuan's operational footprint has shrunk from 18 provinces to just three, indicating a significant contraction in its market presence [4][21]. Group 2: Financial Performance - In 2024, Xing Sheng You Xuan achieved a gross margin of nearly 17% and a net margin of 3%, although its GMV (Gross Merchandise Volume) continued to decline [9]. - The company's GMV for 2024 is estimated to be between 15 billion to 16 billion yuan, a significant drop from its peak GMV of approximately 40 billion yuan in 2021 [10][11]. - The company had previously raised over 5 billion USD in funding from various top-tier investment firms between 2018 and 2021 [8][22]. Group 3: Strategic Shifts - Following a strategic pivot in 2024, Xing Sheng You Xuan shifted its focus from growth to profitability, indicating financial strain and a need to stabilize operations [6][9]. - The company has initiated a new expansion strategy in July 2024, aiming to capture market share left by Meituan You Xuan's exit from certain areas, even at the cost of reducing its profit margins [12][13]. - The "Million Xing Store" project, aimed at establishing local stores for community engagement, has faced challenges in execution, leading to slow progress [31][33]. Group 4: Market Position and Competition - With Meituan You Xuan's market share at 32%, Xing Sheng You Xuan holds approximately 17% of the market, while Duoduo Maicai leads with 44% [18]. - The company primarily competes in Hunan, with limited success in Hubei and Jiangxi, where its transaction volume is significantly lower [19][20]. - User loyalty remains low in the community group buying sector, with price being the primary driver for consumer choice [28][30].

Group 1: Policy Support - Policy support is essential for restoring consumption, including increasing fiscal subsidies and implementing consumer-friendly policies like appliance subsidies and trade-in programs, which drove over 200 billion yuan in consumption in 2022 [3] - Improving income distribution through higher minimum wage standards and increased transfer payments can enhance the consumption capacity of residents, particularly low- and middle-income groups [3] - Optimizing the consumption environment by strengthening market regulation and combating counterfeit goods and price fraud can encourage consumer confidence and willingness to spend [3] Group 2: Scenario Innovation - Scenario innovation is a key driver for expanding consumption, with the rise of new consumption models integrating online and offline channels, such as live e-commerce and community group buying [6] - The example of Beijing SKP shows that digital transformation can lead to over 30% of sales coming from online channels, highlighting the potential of innovative consumption scenarios [6] - Projects like Chengdu's "Night Tour Jinjiang" have demonstrated the ability to boost surrounding consumption by over 40%, showcasing the significant potential of scenario innovation [6] Group 3: Consumption Upgrade - The shift in consumer behavior from survival-oriented to development and enjoyment-oriented consumption indicates a growing market for green, smart, and health-focused products [6] - The rapid growth of new energy vehicle sales, with a penetration rate of 25.6% in 2022, illustrates the substantial space for consumption upgrades [6] - Supporting the innovation and development of domestic brands, as evidenced by the rise of brands like Hongxing Erke and Baixiang, is crucial for enhancing international competitiveness [7] Group 4: Collaborative Efforts - Restoring and expanding consumption requires a collaborative effort from the government, enterprises, and consumers, with the government focusing on policy improvement and optimizing the business environment [10] - Enterprises are encouraged to innovate supply and enhance product service quality, while consumers should adopt a rational consumption mindset to maintain a healthy market order [10] - A multi-faceted approach with precise measures is expected to lead to a more prosperous consumption market, supporting the construction of a new development pattern [10]

中天服务股份有限公司 2024 年年度报告全文 中天服务股份有限公司 2024 年年度报告 2025 年 2 月 26 日 1 中天服务股份有限公司 2024 年年度报告全文 2024 年年度报告 第一节 重要提示、目录和释义 公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别 和连带的法律责任。 公司负责人操维江、主管会计工作负责人谢文杰及会计机构负责人（会 计主管人员）沈珍梅声明：保证本年度报告中财务报告的真实、准确、完整。 所有董事均已出席了审议本报告的董事会会议。 本报告中涉及未来计划等前瞻性陈述，不构成公司对投资者的实质性承 诺，请投资者注意投资风险。 有关主要风险因素已在本报告第三节"管理层讨论与分析"中"公司未 来发展的展望"部分进行阐述，敬请广大投资者注意查阅。 公司计划不派发现金红利，不送红股，不以公积金转增股本。 2 | 第一节 重要提示、目录和释义 | 2 | | --- | --- | | 第二节 公司简介和主要财务指标 6 | | | 第三节 管理层讨论与分析 10 | | | 第四节 公司治理 23 | ...