最近，你是否也遇到过外卖送餐慢、快递丢件、或者食物里吃出异物的糟心事？在消费频次高、维权相 对容易的领域，这类问题尤为常见。很多消费者因为不知道如何提前"避坑"，导致事后投诉无门、心力 交瘁。其实，在消费前花几分钟了解一下投诉信息和平台，就能大幅降低"踩雷"风险。今天，我们就来 聊聊如何在消费前利用现有信息渠道保护自己，尤其在外卖、快递、食品等日常高频消费中。 一、为什么要在消费前关注投诉信息？ 1. 全国12315平台 这是市场监管总局主办的官方投诉举报渠道，支持网站、APP、小程序、电话等多种方式接入。无论是 商品质量、服务承诺还是广告虚假，都可以通过12315反映。它的优势在于对接各地市场监管部门，对 企业的约束力较强，适合涉及明确违规、需要行政执法介入的纠纷。 2. 12305邮政业申诉平台 如果你经常网购或寄快递，这个平台应该不陌生。它是国家邮政局设立的专门处理邮政、快递服务投诉 的渠道，对快递延误、丢失、损毁、服务态度等问题有较强的针对性。很多快递企业对其转办的投诉响 应速度较快，因为涉及行业考核。 3. 12328交通运输服务监督电话 涉及网约车、出租车、货运等出行相关的消费纠纷，可以拨打123 ...

每经头条（nbdtoutiao）——实施城乡居民增收计划、降准降息等工具灵活高效运用、增加普通高中学 位……深度解读中央经济工作会议 （记者 王瀚黎） 2025年1至6月份，福石控股的营业收入构成为：汽车类占比86.09%，通讯服务类占比5.82%，消费类电 子产品占比4.47%，零售及服务类占比2.22%，食品饮料类占比0.93%。 截至发稿，福石控股市值为55亿元。 每经AI快讯，福石控股（SZ 300071，收盘价：5.72元）12月12日晚间发布公告称，公司第五届第十九 次董事会会议于2025年12月12日在北京市东城区东长安街1号东方广场W2座901会议室召开。会议审议 了《关于修订 <董事会提名委员会工作细则> 的议案》等文件。 ...

Core Viewpoint - The article emphasizes the importance of consumer awareness and effective complaint channels during the winter season, which sees a rise in seasonal consumption activities such as ice and snow tourism, hot spring vacations, and holiday shopping [1][8]. Group 1: Identifying Risks Before Consumption - Consumers are encouraged to research merchants' reputations and service quality before making payments or placing orders to avoid potential pitfalls [1]. - Key methods for risk identification include checking online reviews on platforms like Meituan, Dazhong Dianping, and Ctrip, focusing on negative feedback to gauge service reliability [6]. - Consumers should also investigate whether a business has a history of complaints, particularly in areas like bundled sales or refund delays, to assess service reliability [6]. - Awareness of common dispute types in specific industries during peak seasons can help consumers verify details more effectively [6]. Group 2: Complaint Channels - Official administrative complaint channels include the national 12315 platform, which handles various consumer rights issues, and the 12345 government service hotline for local grievances [3]. - Industry self-regulatory organizations, such as the China Travel Service Association, can provide effective resolution in specific sectors [3]. - Third-party online complaint platforms like Black Cat Complaints offer quick and user-friendly options for consumers seeking to resolve issues with businesses [3][7]. Group 3: Features of Black Cat Complaints - Black Cat Complaints supports multiple submission methods, including website, app, and mini-program, enhancing user convenience [4]. - The platform has a robust enterprise response mechanism, featuring modules like "Enterprise Reply Ranking" to encourage businesses to address consumer issues proactively [5]. - Users can track the status of their complaints in real-time, with clear categorization and matching to the appropriate customer service representatives [7]. Group 4: Choosing the Right Complaint Channel by Industry - Different industries require tailored complaint approaches; for example, tourism and hotel issues are best addressed through Black Cat Complaints or the 12301 tourism hotline [8]. - Telecommunications and network package complaints can be directed to the Ministry of Industry and Information Technology's complaint platform in addition to 12315 [8]. - Financial and insurance disputes should be prioritized through the 12378 hotline of the China Banking and Insurance Regulatory Commission [8]. Group 5: Conclusion - The article concludes that rational consumption and effective use of complaint tools are essential for enjoying the winter season while minimizing disputes [8][9].

Group 1 - The Bank of Korea is expected to maintain the benchmark interest rate at 2.50% during the upcoming monetary policy meeting, with analysts predicting no rate cuts in October and potential cuts delayed to November or later [1][2] - The Bank of Korea has kept the benchmark interest rate unchanged since it was lowered to 2.50% in May, with the governor emphasizing a cautious policy stance [2] - The introduction of a "conditional forward guidance" mechanism aims to enhance monetary policy transparency and market communication, particularly in a low-interest-rate environment [2] Group 2 - South Korea's exports to the U.S. saw a significant decline of over 40% in the first ten days of October, influenced by U.S. tariff policies, leading to a shift in South Korea's export market ranking [3] - The domestic real estate market is a critical factor influencing monetary policy, with the Bank of Korea's governor stating efforts to avoid unnecessary liquidity injections amid rising property prices [3] - The consumer price index (CPI) in South Korea rose by 2.1% year-on-year in September, slightly exceeding market expectations, driven by a significant increase in communication costs [3] Group 3 - The Korean won depreciated against the U.S. dollar, prompting the Ministry of Economy and Finance and the Bank of Korea to implement verbal interventions to stabilize the currency [4] - External factors such as the U.S. government shutdown and ongoing trade tensions have contributed to increased market volatility and capital outflow pressures [4] - The Bank of Korea's governor stated that the current exchange rate is not at crisis levels and clarified that discussions with the Federal Reserve regarding currency swap arrangements have not occurred [4] Group 4 - Citigroup's economists believe that the current interest rate cut cycle in South Korea may be ending, adjusting their predictions for future rate cuts based on various economic factors [5] - The new forecast suggests that the Bank of Korea may only cut rates in November 2026 and May 2027, with a terminal rate of 2% [5] - Capital Economics predicts that the South Korean economy will slow down due to export pressures and a decline in fiscal stimulus, potentially leading to three more rate cuts by the end of the year [6]

Core Insights - China Mobile reported a total revenue of 250.9 billion yuan for Q3 2025, reflecting a year-on-year growth of 2.5% [1][11] - The net profit for the same period was 31.2 billion yuan, showing a year-on-year increase of 1.4% [2][20] - The company maintained a high dividend payout ratio of approximately 73% [7][9] Revenue and Profitability - The revenue from telecommunications services was 216.2 billion yuan, with a slight increase of 0.8% year-on-year, while product sales and other revenues reached 34.7 billion yuan, growing by 14.8% [11] - The gross margin for Q3 2025 was 60.1%, down by 1.5 percentage points compared to the previous year [16] - The operating profit margin was stable, supported by a reduction in operating expenses [20] Business Segments - Mobile business revenue declined by 2.7% year-on-year, despite an increase in mobile users to 1.009 billion, which grew by approximately 4 million users quarter-on-quarter [2][13] - Broadband business continued to grow, with user numbers reaching 329 million, an increase of 5.8 million users quarter-on-quarter [3][4] Capital Expenditure and Cash Flow - Capital expenditure for Q3 2025 was approximately 41.6 billion yuan, a decrease of 1.8 billion yuan year-on-year [5] - The company expects a total capital expenditure of 151.2 billion yuan for the year, with an estimated 35 billion yuan for Q4 [5] - The tax-adjusted cash operating profit for the quarter was 29.7 billion yuan, reflecting a year-on-year increase of 2% [5][20] Dividend and Shareholder Returns - The company repurchased shares and distributed dividends totaling 54.1 billion yuan in Q3 2025, aligning closely with previous expectations [7] - The static dividend yield is approximately 6%, which is attractive compared to declining bank interest rates [9][10] Market Position and Valuation - China Mobile's market position remains strong, with a significant user base and stable performance in a competitive environment [4][9] - The current market capitalization is 1.7 trillion yuan, with a projected price-to-earnings ratio of around 11 times for 2026 [9]

Core Insights - Croatia's consumer price index (CPI) increased by 4.1% year-on-year in August, with a slight month-on-month rise of 0.1% [1] - The largest price increases were observed in housing, water, electricity, gas, and other fuels, which rose by 8.1% year-on-year, followed by restaurants and hotel accommodation (+7.5%) and non-alcoholic beverages (+6.3%) [1] - The harmonized index of consumer prices (HICP) in Croatia rose by 4.6% year-on-year in August, with an average month-on-month increase of 0.2% [1] Price Changes by Category - Housing, water, electricity, gas, and other fuels: +8.1% year-on-year [1] - Restaurants and hotel accommodation: +7.5% year-on-year [1] - Non-alcoholic beverages: +6.3% year-on-year [1] - Education: +5.9% year-on-year [1] - Medical services: +5.1% year-on-year [1] - Transportation: -1.3% year-on-year [1] - Clothing and footwear: -0.6% year-on-year [1] - Communication services: -0.4% year-on-year [1] Additional Insights - Service prices increased by 6.4% year-on-year in August [1] - Food, alcoholic beverages, and tobacco products saw a year-on-year price increase of 6.2% [1] - Energy prices rose by 2.5% year-on-year, while non-food industrial goods (excluding energy) increased by 0.5% year-on-year [1]

1.经营数据：收入基本持平，利润稳步提升 。 中国移动2025年第一季度总营收为2638亿元，同比基本持平。 公司本季度通讯业务的增长，与产品销售等业务的下 滑基本相抵消。 中国移动2025年第一季度净利润为306亿元，同比增长3.4%。 在收入不增的情况下，利润端的增长来自于毛利率的提升和费用端的回落； 中国移动（600941.SH/00941.HK）于北京时间 2025年4月22日晚的港股盘后发布了2025年第一季度财报（截止2025年3月），要点如下： 2.核心业务表现：个人通讯业务有所回落 。本季度通讯业务的增长，主要是受家庭和政企通讯业务的带动。而公司最大的个人通讯业务，本季度是略有下滑的。 具体来看， 移动用户数同比增长0.8%；而移动用户的单月资费为46.9元，同比下滑2.1% ； 3.资本开支：虽有增加，但全年目标是收缩的。 中国移动2025年第一季度的资本开支大约为364亿元，同比增长5.5%。 但结合公司全年目标看，公司预期2025年资 本开支为1512亿元，同比下滑7.8%，公司后面三个季度将对资本开支继续缩减。 | | | | | | China Mobile (600941.SH/0 ...