你的消费里，可能藏着接下来的发展机遇！中央经济工作会议刚刚明确明年发展的八大重点任务，11月 经济数据随即重磅发布。12月15日，国新办举行新闻发布会，介绍2025年11月份国民经济运行情况。看 懂这3个核心关键词，就摸清了经济高质量发展的底层脉络。 第一个关键词：服务消费。身边抢演唱会门票、打卡文旅展览的人越来越多，这个现象并非偶然，而是 消费升级的必然！国家统计局数据显示，1-11月份，服务零售额同比增长5.4%，增速比上月加快0.1个 百分点，连续3个月回升，而且快于商品零售额增速。同时，1-11月份，文体休闲服务类、通讯信息服 务类零售额均保持两位数增长。比如，从周末滑雪的雪票，到晚间追剧的视频会员，这些看似日常的消 费选择，实则是居民"悦己型"服务消费需求释放的生动注脚。 相关研究表明，演艺活动每增加1元的门票收入，能够带动6.85元的综合消费，直接撬动餐饮、住宿、 交通等多个关联产业的发展。可以说，你我产生的每一笔服务消费，都是推动我国产业结构优化升级的 具体体现。而更值得关注的是，中央经济工作会议部署的八大重点任务中，"坚持内需主导，建设强大 国内市场"被置于首要位置。而蓬勃发展的服务消费，正是 ...

Core Insights - The article highlights the increasing adoption of smart home technology among young consumers, emphasizing how it enhances convenience and quality of life [1][2][3] - There is a notable shift in consumer behavior towards higher spending on smart products and services, reflecting a broader trend in the market [2][3] Group 1: Smart Home Adoption - Consumers are increasingly choosing smart home devices such as smart air conditioners, locks, and cooking centers, prioritizing automation and convenience [1] - The experience of a young couple illustrates the trend, as they enjoy a more relaxed lifestyle thanks to smart home technology that reduces household chores [1][2] Group 2: Market Growth and Consumer Behavior - Data from the National Taxation Administration indicates a rapid growth in smart home product sales, with service robots like vacuum cleaners seeing a 75% increase in revenue year-on-year [2] - The sales of new energy vehicles have also risen by 30.1% year-on-year, indicating a shift towards more advanced and eco-friendly consumer products [2] - Consumers are increasingly willing to invest in memberships and services that enhance their lifestyle, reflecting a change in spending habits towards experiential consumption [2][3]

Core Insights - The article highlights the increasing trend of smart home consumption, with an average annual growth rate of 9.6% in service-related consumer spending from 2020 to 2024 [1] Group 1: Smart Home Consumption - Smart home products are becoming essential for modern households, with consumers prioritizing features that enhance convenience and efficiency [1][2] - The sales growth of smart home products is significant, with service robots like vacuum cleaners seeing a 75% increase in sales revenue year-on-year [2] - Consumers are willing to invest in higher-priced smart products, reflecting a shift in spending habits towards technology-driven solutions [1][2] Group 2: Lifestyle Changes - The adoption of smart home technology is leading to improved quality of life, allowing consumers to save time on household chores and engage in other activities [2] - The transition to electric vehicles is also noted, with a 30.1% year-on-year increase in sales, indicating a broader trend towards sustainable consumption [2] - There is a growing trend in service consumption, with consumers increasingly willing to pay for memberships and subscriptions that enhance their lifestyle [2]

Core Points - The article highlights a recent incident at the CCB Laiwu Laikuan Branch where staff effectively resolved a sudden "deduction crisis" for an elderly customer, showcasing the bank's commitment to providing warm and professional financial services tailored for seniors [1][2] - The incident involved an elderly man, Mr. Zhang, who was distressed over unauthorized monthly deductions from his bank account, which were later identified as subscription fees for a video platform [1][2] - The bank staff not only resolved the issue by identifying the source of the deductions but also educated Mr. Zhang on how to manage his account better, including disabling automatic renewals and setting up transaction alerts [2] Summary by Sections Incident Description - A sudden call for help from an elderly customer disrupted the calm atmosphere at the bank, leading to immediate assistance from the branch manager [1] - The customer was anxious about monthly deductions from his account, which he had not noticed for several months [1] Resolution Process - The bank manager calmly reassured the customer and assisted him in checking his transaction history, revealing the source of the deductions [1][2] - The customer realized that the deductions were for a video membership activated by his grandson, which he had unknowingly agreed to [2] Service Quality and Future Commitment - The successful resolution of the issue highlighted the bank's dedication to providing thoughtful and professional services for elderly clients [2] - The bank plans to continue enhancing its services to create a more secure financial environment for senior customers [2]

Core Points - The article highlights the increasing prevalence of automatic payment deductions through payment apps, urging users to regularly check their settings to avoid unexpected charges [1][2][8] - Users have reported discovering multiple automatic payment services enabled on their accounts, leading to significant deductions without their knowledge [1][4] - Consumer protection departments advise caution when enabling automatic payment features, especially for memberships and services that may have hidden renewal fees [8] Group 1 - Users are encouraged to check their payment software for "免密支付/自动扣款" (automatic payment) settings to prevent unexpected charges [1][6] - Reports indicate that some users have experienced large deductions, such as a user who was charged 5,199 yuan for a premium membership they did not intend to activate [2][4] - The article provides specific steps for managing automatic payments on popular platforms like Alipay and WeChat [6][7] Group 2 - Consumer protection agencies recommend that users regularly review their payment authorizations and be cautious with automatic renewals, particularly after promotional periods [8] - It is suggested that consumers develop a habit of checking their bills from various services to identify any unusual charges promptly [8]