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Today — 13 August 2025News

【网络民议】在加工资,和发福利前,他们选择了放贷

13 August 2025 at 21:54

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8月12日,财政部、中国人民银行、金融监管总局公开发布《个人消费贷款财政贴息政策实施方案》,提出从2025年9月1日至2026年8月31日期间,居民个人使用贷款经办机构发放的个人消费贷款(不含信用卡业务)中实际用于消费,且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息的部分,可按规定享受贴息政策。

另外,财政部等九部门同日公开发布了《服务业经营主体贷款贴息政策实施方案》,其中明确,对于经办银行向服务业经营主体发放的贷款,财政部门按照贷款本金对经营主体进行贴息,贴息期限不超过1年,年贴息比例为1个百分点,中央财政、省级财政分别承担贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。

两项政策的核心是引导信贷资金流向与消费相关的领域,从而降低融资成本,提振个人消费和服务业经营的活力,进而形成对经济增长的拉动作用。

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1.个人消费贷款贴息政策(2025年9月1日至2026年8月31日):

• 针对居民个人用于消费的贷款(不包括信用卡)。
• 重点领域包括家用汽车、教育、文化旅游等,单笔消费用于贴息的上限为5万元。
• 贴息比例为年利率的1%,最高不超过贷款利率的50%。
• 借款人在一家机构的贴息上限为3000元。

2.服务业经营主体贷款贴息政策:

• 适用于餐饮、旅游等八大服务行业。
• 自2025年3月16日至12月31日期间签署的合规贷款。
• 贴息比例为1%,政策覆盖21家全国性银行。
• 贴息期限最长为一年,单户最高贷款规模贴息可达100万元。

该补贴政策推出后在微博、推特平台引发了网民嘲讽,一些网民认为此类贷款补贴如同笑话,“在加工资,和发福利前,他们选择了放贷”。之前,有网友在评论“全民强制社保”时,也发表了类似观点。

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CDT 档案卡
标题:【网络民议】在加工资,和发福利前,他们选择了放贷
作者:中国数字时代
发表日期:2025.8.13
来源:网络
主题归类:经济衰退
CDS收藏:公民馆
版权说明:该作品版权归原作者所有。中国数字时代仅对原作进行存档,以对抗中国的网络审查。详细版权说明

以下为中国数字时代编辑摘自网民评论:

海盗糖包:哈哈。为了消费,把贷款做成了消费。还是发钱实在。

凉风有信0324:原来之前人们不爱消费是因为没有贴息啊,一直以为是余额不足呢。

我是恁爹耶:塔又不急,我们急个卵。

小喵不吃鱼尾巴:多送点保时捷五元优惠券,大家就都能买得起啦。

KNCQR147411:提振消费给出贷款补贴,放美国要被新闻联播连续放一年。

澳洲扒鸡 :哈哈,花五块钱买鱼饵,咱一起出海钓金枪鱼呀。

然酱的小面包干:双休就能促进消费。

淇淇牌赚钱公司:笑死,一个个深渊债务等着你,哪个人想的这么绝。

富尼法号涩涩:很努力地绕开直接发钱这条路。

buckyloos2:继续榨,还不够,骨头磨成粉也能用。

yingz1981:他们什么时侯都会这样选择的。你只不过是被利用的工具罢了。还指望什么呢?

ShwetaG29822558:你不花钱,政府替你贴;但前提是——你得先欠债。

暂时想不出名字就这么着:什么时候先把国补落实到位,河北国补天天抢都抢不到。

财班嘟嘟:贴息固然是好事儿,还是多想想怎么贴“本金”才是正道。

山谷里的知识点:实实在在提高大家收入才是真的!贷款都要还的,现在这个经济情况,贷款真的要谨慎。

数码科技小张:努力让人人都背上贷款。

这个方糖不太圆:免税比这靠谱吧。

山隹木四水:我差的是本金,不是息。

经济新视界:居民想要的是去杠杆,降负担,金融部门可以提供的却一直是让你上杠杆、加杠杆。 // 张小马打豆豆:你不加杠杆,黄四郎怎么去杠杆。

你听下雪了a:怎么总想着想掏空穷人。

李在明在访美前将先访日与石破茂会谈 被指有意表明对韩日和韩美日合作重视

13 August 2025 at 22:45
13/08/2025 - 16:06

自首尔方面消息,韩国总统室发言人姜由桢周三表示,李在明总统将于本月23日至24日访问日本,与日本首相石破茂举行首脑会谈。有分析称,李在明在就任后举行首次韩美峰会前访问日本,是为了向美国总统特朗普表明其对韩日关系和韩美日合作的重视。

韩联社报导指,这将是李在明和石破茂6月17日在加拿大借出席七国集团(G7)峰会之机另行举行会谈之后,时隔67天再会。这也将是这两位韩日领导人在非多边舞台上首次正式举行双边会谈。

姜由桢介绍称,与此次访美相同,李在明访日也属于工作性质,是否会有经济使节团陪同李在明访日等事宜尚未敲定。韩美首脑会谈定于25日在华盛顿举行。

韩日领导人将通过会谈进一步巩固两国面向未来合作的基础,并在会上就深化韩日、韩美日合作方案,以及区域和平与稳定、地区及全球热点问题等交换意见。双方还将就朝核问题等地区安全问题、在贸易保护主义加剧的情况下展开贸易合作的方案等进行讨论。

24日结束访日行程后,李在明将随即启程赴美,25日同特朗普举行峰会。报导指,韩国政府换届后,与日方的首脑会谈先行于与美方的首脑会谈,该情况较为罕见。有观点推测,此举或意在凸显李在明政权对韩日关系和韩美日合作的意志。

但姜由桢表示,这只是总统室在与美日两国协调日程后作出的安排。此外,由于李在明访美、访日行程全部敲定,韩国政府决定不向美日两国派遣总统特使团。

韩联社报导称,李在明选择先过境访日再访美的行程与上月底韩国外长赵显先访日后访美的模式相同,但韩国外长和总统就任后同时先后访问日本、美国尚属史无前例。

似乎是考虑到了集中力量遏制中国的美国也在致力于韩美日安全合作的情况。韩日关系一直被视为韩美日合作中的薄弱环节。这是因为,当韩日关系恶化时,韩美日合作往往也会受到影响。

More than 140 people report crimes to Al Fayed investigation

13 August 2025 at 20:41
AFP via Getty Images Mohamed Al Fayed in a grey suit with out of focus lights behind himAFP via Getty Images

The Metropolitan Police says 146 people have now come forward to report a crime in their investigation into former Harrod's boss Mohammed Al Fayed.

In a video update sent to victims, Scotland Yard said women and men had reported crimes, and a number of new witnesses had also contacted the force to give evidence.

The Met is currently conducting an investigation into how it handled historical allegations, including sexual assault and rape, perpetrated by Al Fayed - who died in 2023 aged 94.

It is also looking into whether there may have been others who could face charges for enabling or assisting his behaviour. The force has previously said it was investigating at least five people.

In the update, Detective Inspector Karen Khan said the Met was working with international agencies, including foreign police forces.

She said it was "difficult" to say when the investigation might be concluded because of the sheer number of survivors who had come forward.

She also asked for victims and witnesses to continue to come forward but acknowledged there was a "reluctance" to trust the police by some.

Last month, the force wrote to alleged victims apologising, saying it was "truly sorry" for the distress they have suffered because Al Fayed will never face justice.

The latest figure is more than double the 61 people who the Met said had reported allegations the last time it released a number in October.

Harrods said more than 100 victims of Al Fayed's abuse had entered its compensation scheme in July. Al Fayed owned the luxury department store between 1985 and 2010.

The store started issuing compensation at the end of April and the scheme remains open for new applications until 31 March 2026.

Eligible applicants could receive up to £385,000 in compensation, plus treatment costs, if they agree to be assessed by a consultant psychiatrist, Harrods said in March.

They are also offered a meeting with a senior Harrods' representative to receive an apology in person or by video, as well as a written apology.

The extent of Al Fayed's predatory behaviour was brought to light by a BBC documentary and podcast, broadcast in September 2024.

Al Fayed: Predator at Harrods heard testimony from more than 20 female ex-Harrods employees who said Al Fayed sexually assaulted or raped them.

Since then, dozens more women have come forward with similar experiences.

Responding to the BBC investigation at the time, Harrods' current owners said they were "utterly appalled" by the allegations and that his victims had been failed - for which the store sincerely apologised.

It was only after the broadcast that the Met revealed it had been approached by 21 women before Al Fayed's death, who accused him of sexual offences including rape, sexual assault and trafficking. Despite this, he was never charged with any offences.

In October, the Met said 40 new allegations including sexual assault and rape had been made against Al Fayed, covering a period between 1979 and 2013. These allegations were in addition to the 21 it had already received.

Two complaints against the Met Police for its handing of allegations against Al Fayed are being investigated by the force under the direction of the Independent Office for Police Conduct.

What challenges will new guidance on ethnicity pose for police?

13 August 2025 at 21:24
Getty Images Four police officers stand in a line beside a police van. They are all wearing high-vis police vests above black long-sleeved jackets, and black caps. The centre of the image is a female officer, with her back to the camera, who has her brown hair tied in a bun. She is facing another female officer, who is staring ahead, also with blonde hair tied back in a bun. Getty Images
Some police officers told the BBC sharing suspect's ethnicity risked stoking tensions, rather than calming them

Trouble on the streets, rising tension in communities, and angry scenes outside immigration hotels - in many cases fuelled by rumours on social media.

Moments like these are what police chiefs and the government are keen to avoid.

Riots across England and Northern Ireland last summer were partly triggered by misinformation on social media, which said the man responsible for the murder of three girls in Southport was an illegal migrant.

But in recent months, police have been inconsistent on when they have disclosed the ethnicity of a suspect.

When a car drove into a crowd at a bus parade for Liverpool FC in the city in May, police were quick to say a white man had been arrested over the incident to defuse any trouble.

But Warwickshire Police was not so forthcoming with details earlier this month when two men in Nuneaton were charged in connection with an alleged rape of a 12-year-old girl.

Reform UK claimed the men were asylum seekers, and reports suggested they were Afghans - but this was not confirmed by police.

This led to claims of a "cover-up" - something Warwickshire Police fiercely denied.

The force said it simply followed police guidance, which at the time did not include revealing the ethnicity and immigration status of suspects.

The ongoing debate has led to an update in police guidance on what to disclose when someone is charged with a crime.

The National Police Chiefs' Council, along with the College of Policing, have come up with the advice for forces across the UK.

It states they should consider revealing the suspect's ethnicity and nationality in high-profile and sensitive investigations and operations.

But how will it work in practice?

PA Media A male police officer stands between two groups of protesters facing off over his shoulder. A tree is visible above them and some red-brick buildings can be seen in the background. The police officer is wearing a high-vis jacket and a traditional  black police helmet, and stands with a neutral expression and his hands clasped in front of him. To his left stand a group of protesters, including one man with the English flag draped over his back. He his wearing a white t-shirt and a black sun-cap, and has a tattoo sleeve. He has an angry expression and is pointing over the police officer's shoulder at a counter-protester. The counter-protester is holding a yellow sign and is looking back at the man with a stern expression. He is wearing a grey blazer and a blue shirt. Beside him is another counter-protester angrily shouting, wearing a green cap and a blue short-sleeved t-shirt.PA Media
An anti-immigration protest - and a counter protest - took place in Nuneaton last week as tensions rose over the alleged 'cover-up', which police vehemently denied

The guidance says if someone is arrested, officers should provide only the suspect's sex and age.

Police want to be certain there are no legal issues surrounding disclosing more details, and the decision to do so is up to individual forces.

When the suspect is charged, it says police can provide their name, date of birth and address.

This has been updated to say police should consider revealing the race and nationality.

The BBC understands this will apply when the case is of public interest or involves a serious offence - such as murder, rape, or an assault involving numerous victims.

However, there is no single definition of what constitutes a serious offence and this would need assessing on a case-by-case basis.

Ultimately, it will be up to the individual police force to decide what it discloses, but decisions are likely to be based on factors such as the risk of local unrest or inflammatory social media rumours.

What are the pitfalls?

There are concerns among some police officers that revealing these details could be counterintuitive.

One Metropolitan Police officer told the BBC: "Stating whether someone is black or brown could fuel the far-right and racism towards certain communities, rather than calm it down."

Another said it was important not to disclose more information than is necessary to avoid influencing a future trial - although revealing a suspect's race and nationality is unlikely to do this.

It is also up to the force whether they give these details even earlier - such as when someone is arrested - if for example they sense potential trouble in the community.

The immediate aftermath of a high-profile, public incident could be when the risk of online speculation and tensions is highest, but a charging decision may not be made for at least a day or two.

Police will need to assess whether there are any legal issues in releasing more information at the point of arrest, such as the right to a fair trial and presumption of innocence, as well as the suspect's right to privacy.

The former chief constable of Greater Manchester Police, Sir Peter Fahy, believes it will cause suspicion and misunderstanding if police release some details in certain cases and not others.

"People could create a story which isn't true because they've disclosed certain information and it's a dangerous road to go down," he said.

But he argues police are in an impossible situation because social media is fast moving, and officers need to quash falsehoods as quickly as possible.

It will be up to the Home Office whether a suspect's immigration status will be revealed.

But some police officers are concerned this could cause tension between the government and police chiefs.

A senior police officer said: "Policing should be a job for police officers and not ministers."

The new guidance is not permanent yet, with the Authorised Professional Practice (APP) - the official source of professional practice for policing - currently reviewing it.

I had knife pulled on me in migrant camp, says shadow home secretary

13 August 2025 at 21:25
PA Media Chris Philp in a white shirt. The white cliffs of Dover and the English Channel are in the backgroundPA Media

Shadow home secretary Chris Philp has said he was pelted with bottles and had a knife pulled on him while speaking to migrants in a camp in northern France.

The Conservative MP posted a video on social media discussing the incident with Daily Express journalist Zak Garner-Purkis who has accompanied him on his visit to France.

In the clip, Philp says: "I found it pretty shocking - you said behind me somebody had pulled out some sort of machete and we left pretty quickly."

Mr Garner-Purkis says the man was "swinging it around in the air" adding: "It was, clear he was doing it to send a message to the other people there - whether it was a case of 'don't speak'."

In the video, the two men are recounting the incident while walking along the side of a road at which point objects can be seen being thrown at them.

Mr Garner-Purkis says "they are throwing bottles at us" and Philp says: "Right, we've got to go."

The UK car industry is at a tipping point - can it be saved?

13 August 2025 at 07:00
BBC A treated image of a Mini Cooper S car on the production line at BMW AG's Mini final assembly plant in Cowley, UK
BBC

A gleaming white Vivaro van drove slowly off the production line at Vauxhall's factory in Luton, beeping its horn, while workers cheered and crowded around taking photographs.

Behind it, the production line came to a halt – forever.

The Luton plant began building cars in 1905. It kept operating for the next 120 years, taking time out to build tanks and aircraft engines during World War Two. But on 28 March, that came to an end.

The factory shut down, a victim of cutbacks at Vauxhall's parent company, Stellantis.

Justin Nicholls, a production shift manager, was one of the 1,100 workers there - he had worked at the plant for 38 years. "It was devastating, because it came out of the blue", he says. "It was a complete surprise."

It followed the closure of Honda's car factory in Swindon in 2021, and Ford's engine plant in Bridgend the year before.

Together, they have come to symbolise an apparent long-term decline in the UK motor industry.

Daily Herald/Mirrorpix via Getty Images People working on the Vauxhall Victor production line at the Vauxhall motor factory in Luton, Bedfordshire in 1968
Daily Herald/Mirrorpix via Getty Images
Vauxhall's Luton plant has been building cars since 1905 until production stopped earlier this year

In all, just 417,000 new cars and vans were built in the UK in the first six months of 2025, according to the Society of Motor Manufacturers and Traders (SMMT) - the lowest for that period since 1953.

Output for the year is expected to be around 755,000 vehicles — lower even than during the Covid-19 pandemic.

The SMMT's chief executive, Mike Hawes, described the situation as "depressing".

The sector contributes some £22bn a year to the economy, according to the SMMT, and as recently as 2023 automotive manufacturing employed some 198,000 people in the UK.

Andy Palmer, who was previously chief executive of Aston Martin, believes the ecosystem - and the sum it contributes to the economy - can only survive if the industry maintains its current scale.

"There is a critical mass of employment," he explains. "Once you go below that, you see it all fall apart.

"You don't have the university courses, you don't have people coming across from the aero industry, you don't have the pipeline of skilled engineers that allow the luxury firms to exist, and so on."

And the knock-on effect of this could affect regions already facing challenges.

"If we think about parts of the UK that have automotive plants, they're often disadvantaged regions," says David Bailey, professor of business economics at Birmingham Business School.

"Losing these good quality jobs would have a big impact in terms of wages for workers and also a knock-on effect in terms of the multiplier on the local economy."

He is concerned about what has already been lost. "I'd argue that actually we've let too much of this go already. I think once it's gone, it's really gone."

The question is, can the industry recover - or is it too late?

A concealed deeper problem

The UK car industry is sprawling. Alongside large factories run by the likes of JLR, Nissan, BMW MINI and Toyota, there is a network of suppliers and high-tech specialist engineering firms, along with a number of smaller, luxury car firms, such as Aston Martin, Bentley, Rolls-Royce and McLaren, plus bus and truck manufacturers.

In 2016, the UK produced 1.82m new vehicles – more than at any point since 1999. Yet even at that point, storm clouds were already gathering. And the industry has suffered further over the past decade.

Factory closures have had an impact, but other factors have been at play as well, including uncertainty over US trade policy, which has hit exports to a major market.

Then there was the role of Brexit.

Adam Vaughan/EPA/Bloomberg via Getty Images A Range Rover sports utility vehicle on the production line at the Jaguar Land Rover automobile manufacturing plant in Solihull, UK
Adam Vaughan/EPA/Bloomberg via Getty Images
One of the UK's leading manufacturers, Jaguar Land Rover (JLR), has deliberately moved upmarket in recent years, meaning it now sells fewer cars - also contributing to the lower figure of UK car production

"Obviously, Brexit had a big impact", says Santiago Arieu, senior autos research analyst at Fitch Solutions. "It created uncertainty and complicated future visibility."

As a result, experts say new investment suffered – just as the industry was gearing up for the massive changes being brought by the transition to electric vehicles.

The agreement with the EU to guarantee continued tariff-free trade soothed the industry's concerns when it came. But by then, there was another challenge to contend with.

The pandemic caused havoc within the industry globally.

In 2020, output dropped by nearly a third, hitting levels not seen since the mid-1980s. It also threw finely tuned global supply chains out of kilter and created shortages of vital parts.

Although demand for new cars was spiking, manufacturers simply couldn't build them quickly enough.

Reuters/ Chris Radburn A man holds a leaflet as workers protest following Stellantis' announcement of its plan to shut its Vauxhall van factory in LutonReuters/ Chris Radburn
'Losing these good quality jobs would have a big impact in terms of wages for workers and also a knock-on effect in terms of the multiplier on the local economy,' says one expert

All of this caused short-term disruption - but the impact concealed a deeper, structural problem for the UK industry.

Quite simply, it has become an expensive place to build cars.

Part of this is to do with labour costs. Although lower than in some other Western European countries, particularly Germany, they are around twice the level seen in Central European nations such as Poland, Slovakia and Hungary.

Then, there are energy costs. British manufacturers currently pay some of the highest electricity prices in the world.

"Car makers operating in the UK also have factories in Europe and elsewhere, so it's not hard for them to find a replacement for their UK production," explains Felipe Munoz of JATO Dynamics.

The former chief executive of Stellantis, Carlos Tavares, has previously criticised the cost of manufacturing cars in the UK and northern Europe – while holding up the company's Kenitra factory in Morocco as a model of efficiency.

The investments starting to bear fruit

When the Luton plant shut last year, it was estimated by Luton Borough Council that the move could cost the regional economy £300m per year.

A small part of the workforce relocated to Stellantis' other UK plant, at Ellesmere Port in Cheshire, where the company is in the process of investing £50m in expanding production.

Of those who have not relocated, some retired. "[Others] are taking quite a reduction in pay", says Gary Reay, who was a representative of the Unite union at the plant.

The factory site has been bought by a property firm, Goodman - it plans to create more than 1,700 jobs at a new industrial park.

Mr Reay is unimpressed. "The problem for the workforce… is this is years down the road… It's too far away for most of our workers."

Toby Melville/PA Wire An employee inspects a vehicle at the Vauxhall factory in Luton Toby Melville/PA Wire
Just 417,000 new cars and vans were built in the UK in the first six months of 2025

Yet there is hope in some quarters: it is possible this year's output may turn out to be a low point, as recent investments start to bear fruit.

In 2024, for example, Nissan stopped building its ageing electric Leaf model at its Sunderland plant — having previously been building about 30,000 a year. But it is due to begin making a new version this year and will start building an electric version of the Juke in 2026.

Nissan is also one of the manufacturers set to benefit from investments in gigafactories. Nissan's battery partner AESC is building one in Sunderland, which will be able to make power packs for 100,000 electric vehicles a year.

JLR's parent company, Tata, meanwhile, is investing in its own plant in Somerset, through its subsidiary Agratas.

The government says it wants to increase the number of cars and commercial vehicles built annually to 1.3m by 2035. The SMMT believes 803,000 vehicles will leave the production lines next year but bringing that up to 1.3m looks like a very tall order, according to Mike Hawes.

Greg McDonald, the CEO of Goodfish Group, is also circumspect. "I don't think many people think there's going to be a resurgence," he says.

His business makes injection moulded components for carmakers and has four sites across the UK. It also has a base in Slovakia.

"Suppliers like us are used to being constantly bid at for price and cost reductions, and there's a limit to how much you can do."

Diversifying or Chinese investment?

One way of mitigating this is for businesses to diversify - something more viable for smaller businesses in the sector.

Burnett's Manufacturing, based in Northampton, is one of many automotive suppliers clustered around the Midlands Corridor. A manufacturer of specialist rubber and plastic parts, it relies on the motor industry for about 40% of its business. But it also provides components for shipbuilders and oil and gas firms.

According to technical sales manager, Rich Dixon, smaller companies are more flexible and able to adapt to changing circumstances.

"I think we're lucky in some ways, because 60% of our business is diversified across many different industries," he says. "The last thing you want to be is 100% automotive.

"The difficulty is that higher up the food chain, there are some big companies that are very reliant on automotive."

Yang Dong/VCG via Getty Images Employees work on the assembly line of Altima sedan at the Xiangyang plant of Dongfeng Nissan Passenger Vehicle Company 
Yang Dong/VCG via Getty Images
Chinese giants such as Dongfeng want to expand their international operations

Some argue there is another way forward. Chinese giants such as Chery Group and Dongfeng want to expand their international operations – and see the transition to electric vehicles as an opportunity to do this in the European market.

"If you embrace the move to electric vehicles and become a leading light in attracting Chinese investment, then you can do what China did to us in the past, which is essentially use collaboration to rebuild your industry," argues Andy Palmer, who now owns and invests in clean energy companies.

This would, he adds, require significant government action, including negotiations with Beijing.

The question is, is it already too late?

One senior executive, who has spent decades in the European industry, doesn't believe the UK will become a major player in the EV market.

"I don't think governments have spent the necessary time and energy preparing for the shift to EVs.

Chris J. Ratcliffe/Bloomberg via Getty Images A Bentley Bentayga sport utility vehicle in the final inspection area on the production line at the Bentley Motors Ltd. headquarters in Crewe, UK
Chris J. Ratcliffe/Bloomberg via Getty Images
The UK is home to a number of luxury car firms, such as Bentley

"I don't see much opportunity for new players to come in," says the executive, who asked not to be named. "It's all about encouraging those who are already here to stay, and if possible to expand."

Another option, Felipe Munoz believes, is that the UK could double down on its position as a key player in the market for high-end cars.

This could mean becoming a hub for the production of luxury Chinese designs, while allowing cheaper mass-market models to be built elsewhere.

"I think people globally are willing to pay a premium for a British-made luxury car," adds Prof Bailey.

The Great British 'brain drain'

There is plenty at stake here, and it goes beyond the impact on local communities when factories are lost or suppliers stop trading.

"I also worry about it in terms of impacts on productivity, exports, and research and development," says Prof Bailey.

"Part of the reason why we've got poor productivity performance in the UK is that we have allowed too much manufacturing to go."

This is where we differ from our European counterparts, argues Steve Fowler, EV editor for The Independent. "We tend not to support our homegrown industries in the same way that other countries do".

What is harder to assess is the loss of national prestige. When MG Rover collapsed in 2005, there was an outcry, not just because thousands lost their jobs, but also because it was perceived as a symbol of the wider decline of British industry.

This became even more marked when MG – a classic British brand – became a boutique badge for cars made in China.

Bloomberg via Getty Images A Mini Cooper S car on the production line at a sideways angleBloomberg via Getty Images
‘The UK is a great place to make cars, we have incredible expertise’

Many of the upmarket brands that still build cars in this country deliberately trade on their British identity. Think of Rolls Royce, Bentley, McLaren and Lotus. Even BMW-Mini, a mass market manufacturer, is more than willing to wave the Union Jack – or rather, have it painted on door mirrors and roofs.

If those cars were no longer built in Britain, it might well be perceived as a national humiliation. And for some, the decline of the auto industry would almost certainly be perceived as a symptom of a much wider loss.

"I do think people are [becoming] much more aware of where things are made," argues Mr Fowler. "This isn't necessarily a nationalistic thing, but more a sustainability thing. Do you want your car to have travelled halfway around the world to reach you?"

Ultimately, he says, there is already "a bit of a brain drain of talent, because the opportunities, bluntly, aren't here in the UK.

"[But] the UK is a great place to make cars, we have incredible expertise, we have some of the best engineers and people who can build them better than anybody else."

Top image credit: Chris Ratcliffe/Bloomberg via Getty Images

BBC InDepth is the home on the website and app for the best analysis, with fresh perspectives that challenge assumptions and deep reporting on the biggest issues of the day. And we showcase thought-provoking content from across BBC Sounds and iPlayer too. You can send us your feedback on the InDepth section by clicking on the button below.

Zoo keeper, nail tech, celeb photographer: How we got our jobs without going to uni

13 August 2025 at 13:06
Getty Images Lloyd Wakefield stands in front of a white backdrop that has Fox, iHeart Radio and Infiniti logos. He has short light blonde hair, a moustache and is wearing sunglasses. He is smiling at the camera and is wearing a black, floral beaded shirt with a colourful charm necklace underneath.Getty Images
Lloyd Wakefield on the red carpet for the 2023 iHeart Radio Music Awards

As thousands of students across the UK open their exam results, many are getting ready for the next big step: university.

But that path isn't for everyone - and it doesn't have to be.

BBC News spoke to four former pupils who chose a different route and still landed their dream jobs.

From working with animals at Chester Zoo to photographing Harry Styles on tour, their stories show that skipping university doesn't mean missing out on success.

'Don't rush it'

When 29-year-old Lloyd Wakefield was growing up in Stockport, he didn't imagine his future behind a camera, and certainly not on tour with one of the biggest pop stars in the world.

"Up until college, my only goal was to be a footballer," he says.

"I'm not the most academic. I didn't click with any lessons outside of PE. I'm a hands-on person."

When football didn't work out, he took a job at Aldi.

"It took me two years to adjust, to find any kind of direction or purpose outside of football," he says.

He "caught a bug" for photography through a friend's film camera, spending their days off going out and taking photos together.

Teaching himself through YouTube and lots of trial and error, Lloyd began messaging agencies and chasing opportunities. That led him to a backstage gig at Fashion Week, and eventually to photographing Harry Styles' Love On Tour.

"If you told me when I was working in Aldi that I'd be in the music world, on a tour, it was so polar opposite of where I thought I was going to be."

Lloyd Wakefield Emma Corrin lies on a orange velvet sofa, surrounded by blue curtains along the walls and floor. They have light blonde, short hair and are in a yellow jumper. Lloyd Wakefield is crouched in front of the sofa, with a camera in hand, taking a photo of Emma. He is wearing a black T-shirt and green trousers and has short blonde hair.Lloyd Wakefield
Lloyd Wakefield with Emma Corrin, star of The Crown

His work at Love On Tour landed him the title of favourite tour photographer at the 2023 iHeartRadio Awards. He has also worked with other celebrities and brands such as Dua Lipa, EA, UFC and Arsenal FC.

Today, Lloyd runs Lloyd's Workshop, a creative community for young photographers without connections or formal training.

His advice for other young creatives is to take their time.

"There's no shame in getting a normal job," he says.

"Use it to fund your passion. Don't rush it."

Looking back, he says choosing not to go to university was the right call for him.

"I learned way more by just kind of putting myself in those situations on set. The benefits vastly outweigh the negatives."

'Just go for it'

Chester Zoo Frazer Walsh in a blue Chester Zoo branded polo shirt, holding food to feed otters. He has brown hair and is smiling at the camera, in front of a glass enclosure, surrounded by trees.Chester Zoo
Frazer completed a Level 3 zookeeping apprenticeship at Chester Zoo after his A-levels

Frazer Walsh's journey to working with lions didn't begin in a lab or lecture hall - it started with a job advert he spotted by chance.

"I applied for three different universities but I didn't want to go - it was just because I felt I had no other option," he says.

"Then I saw a Chester zookeeping apprenticeship listed and thought: 'Oh my god, that's my dream, it's something I've always wanted to do.'"

The 21-year-old, from Widnes in Cheshire, was "obsessed" with animals from a young age, he says, driving his mum "insane" with his love of David Attenborough.

But he had no idea how to turn that into a career.

"You don't really hear of many zookeepers, or if you do, you don't really know how they got into that position in the first place," he says.

Chester Zoo Frazer Walsh in a blue Chester Zoo branded polo shirt throwing food to two otters who are inside a glass enclosure. He has brown hair and a beard.Chester Zoo
Frazer feeding the otters at Chester Zoo

Now a qualified keeper, Frazer is thriving.

"About a year into the apprenticeship, I was finally able to work with the lions by myself. They're your responsibility then, you're looking after them, and you take a lot of pride in it.

"That is something that I'll always keep with me."

Frazer's advice to school leavers is similar to Lloyd's.

"Just don't rush it, because it's your life, isn't it?" he says.

"A job like this is really once in a lifetime, so just go for it."

'It's okay not to have it all figured out'

Thaliqua Smith Big Zuu (left) is wearing a black apron over a white t-shirt, a grey cap, black gloves, and glasses, with a towel over his shoulder. Thaliqua Smith (centre) is smiling brightly, wearing glasses, a brown bucket hat, a white hoodie with red print, and a backpack. AJ Tracey (right) is in a black tracksuit with blue and white details, layered gold chains, and is holding a coffee cup while making a hand gesture. They're standing in front of a food truck on a city street.Thaliqua Smith
Thaliqua Smith with rappers Big Zuu (left) and AJ Tracey (right) on set for Big Zuu & AJ Tracey's Rich Flavours

For south Londoner Thaliqua Smith, film-making was always the dream, but going to university to get there just didn't feel right.

"I just felt like school should be done," she says.

"They were saying the only way for me to get into [directing and producing] was to go and do further studies. But it just wasn't something that I was particularly interested in."

After her dad suggested she look into an apprenticeship, Thaliqua found the Channel 4 production training scheme.

"It just sounded really cool," she says.

"I thought, 'Wow, this is great. I'm working, I'm learning for a year. I'm earning money for a year in a field that would be amazing.'"

Thaliqua was one of just 10 people selected for the first year of the scheme. From day one, she says she knew she was in the right place.

Thaliqua Smith Thaliqua Smith stands smiling at the camera, with hedges either side of her. She has her black hair tied up and is wearing a pair of black headphones. She has a black Marvel hoodie on, with a black puffer jacket over the top.Thaliqua Smith
Thaliqua originally wanted to be an actor before finding her love of production.

Now 25, she's worked on shows like The Apprentice, Naked Attraction, and Rich Flavours with Big Zuu and AJ Tracey. She's filmed abroad in Spain and New York and has moved up to the role of assistant producer.

"I didn't travel much as a kid, so to be flown to amazing places, staying in beautiful hotels, meeting insanely cool people - it's a dream come true."

Now she says she's passionate about spreading the word.

"Apprenticeships are amazing, [but] I had to dig through Google to find mine. They should be promoted way more."

Her advice is to "not let anyone convince you you can't do something".

"It's OK to not have it all figured out," she says.

"Even people who act like they've got it figured out probably don't."

Turning a hobby into a career

Faye Husband Faye Husband has long blonde hair and is wearing a grey jumper with a black apron over the top. She is holding an E-file in her left hand and nail colour samples in her right. She is standing in front of shelves of nail polish bottles in her home studio.Faye Husband
Faye, from Teesside, started her own nail business after doing her own as a hobby

Faye Husband's school years were far from typical.

Diagnosed with chronic fatigue syndrome, as well as Pots - a condition which causes dizziness - and hypermobility, she struggled with attendance and anxiety.

"I had a lot of time off and it was hard managing being off and then coming back to school and teachers and friends not understanding," the 19-year-old says.

She eventually left mainstream school and was homeschooled before joining a support unit called Strive.

"That literally gave me my GCSEs - I probably wouldn't have managed them if I wasn't there," she says.

After going to college and earning A-levels in criminology and psychology, Faye still wasn't sure about university. That's when her parents suggested turning a hobby into a career.

"I'd done my own nails for years and my mum and dad said, 'Why don't you do a course and do it for other people?'"

Faye Husband A side by side collage of two different nail photos. The nails on the left have a black and white french nail design, with silver cross charms and the Sanrio character Kuromi. The right nails are a beach theme with orange and blue flowers and shell-like 3D designs.Faye Husband
Faye is often booked a month in advance

Working from a converted garage at home in Redcar, she now runs her business Phaze Nails which is often booked up to a month in advance.

Being self-employed has given Faye the room to thrive despite her health struggles.

"I've met so many nice people and made really strong friendships from it," she says.

"That's usually stuff I don't get the opportunity to do, because I don't go out a lot."

Faye says young people should not put too much pressure on themselves.

"Be kind to yourself," she says.

"Don't rush yourself into doing something that you're not ready to do."

中国7月新发放贷款20年来首次下降

13 August 2025 at 22:17
德才
2025-08-13T14:02:58.122Z
专家认为中国央行近期不会降息

(德国之声中文往)路透社根据中国央行周三(8月13日)公布的数据报道,今年7月新增人民币贷款减少了500亿元(约合60亿欧元)。此前,路透社调查分析师原本预计新增贷款会增加3000亿元。

中国央行的数据表明,这是自2005年7月以来首次出现新增贷款降低,也是自1999年12月以来单月最大降幅。

通常每年7月份的贷款发放一般较弱,因为6月份银行往往冲刺季度目标,但此次下降出现在中美关税争端的大背景下,反映出私人部门需求疲软。路透社的测算显示,减少最明显的是居民贷款,这表明房地产市场危机仍在持续。与此同时,企业贷款与上月相比也大幅下降。中国央行并未对这一变化作出解释。

今年前7个月,银行的人民币贷款增加12.87万亿元,而今年1—6月的累计增加为12.92万亿元,这意味着7月净减少了500亿元贷款。

尽管数据显示疲软,但中国央行短期内预计不会进一步降息。澳新银行(ANZ)中国策略师邢兆鹏表示,中国的货币政策进入到观察期,“短期内不太可能降息”。北京方面正通过补贴和基建投资来支撑经济,同时与美国谈判贸易协议。今年5月,中国央行为抵消美国关税带来的经济影响已下调了利率。

DW中文有 Instagram!欢迎搜寻dw.chinese,看更多深入浅出的图文与影音报道。

© 2025年德国之声版权声明:本文所有内容受到著作权法保护,如无德国之声特别授权,不得擅自使用。任何不当行为都将导致追偿,并受到刑事追究。

Evacuations in Alaska after glacial melt raises fears of record flooding

13 August 2025 at 20:32
USGS/Reuters Chunks of ice are seen floating downstream past mountains in a screengrab from Suicide Basin in AlaskaUSGS/Reuters
Officials have released images showing the glacial lake outburst causing flooding worries

Some Alaskans are evacuating their homes as meltwater escapes a basin dammed by the Mendenhall Glacier - raising fears of record-breaking flooding in the US state's capital city.

The National Weather Service (NWS) office in Juneau has issued a flood warning as glacial outburst water flows into Mendenhall River, putting homes in the area at risk.

For days, local officials have warned residents they may be forced to evacuate. On Tuesday, they confirmed water had begun escaping the ice dam and flooding was expected in the coming days.

The glacier, a popular tourist attraction, is 12 miles (19km) from Juneau.

Water levels reached 9.85ft (3m) on Tuesday, below major flooding levels which begin at 14ft, the NWS said. But by Wednesday morning they were above 16ft, which is considered a crest.

"This will be a new record, based on all of the information that we have," Nicole Ferrin, a weather service meteorologist, said at a press conference on Tuesday.

The Juneau city website explains that glacial lake outbursts happen when a lake of melting snow and ice and rain drains rapidly. It compares the process to pulling out a plug from a full bathtub. When meltwaters reach a certain level, they can overtop a glacier that previously held them back.

Alaska Governor Mike Dunleavy issued a state disaster declaration on Sunday because of the "imminent threat of catastrophic flooding from a glacier lake outburst flood (GLOF)" in the Juneau area.

Flooding has been an annual concern in the area since 2011, as homes have been damaged and swept away by deluges. Last year, hundreds of residences were damaged.

Mountain glaciers are shrinking around the world as temperatures rise.

Extra meltwater can collect to form glacial lakes. Scientists have observed an increasing number and size of these lakes globally since 1990.

The natural dams of ice and rock that hold the lakes in place can fail suddenly and unpredictably, triggering floods.

Researchers expect climate change to increase the number of these outburst floods in future, although past trends – and the causes of individual floods – are complicated.

Three Colombian soldiers killed in drone attack

13 August 2025 at 21:00
Colombian Army A handout by the Colombian military shows images of the three soldiers killed by the drone in their uniforms. The coat of arms of the army can be seen in the left-hand corner with a black mourning banner.Colombian Army
The army paid tribute to the three men killed in the latest drone attack

Three soldiers have been killed in a drone attack in south-west Colombia, which authorities have blamed on a dissident rebel group.

The devices dropped explosives on members of Colombia's navy and army, who were manning a checkpoint on the Naya River.

Four other members of the security forces were injured in the attack.

Drone attacks have become increasingly common in recent years in Colombia: in 2024, 115 such attacks were recorded in the country, most of them carried out by illegal armed groups.

In January, the government said it was putting a plan into place to prevent such attacks by beefing up its anti-drone technology, in order to better detect and "neutralise" drones.

The latest deadly attack happened near Buenaventura, a city on the Pacific coast which is a hotbed for drug trafficking.

Army officials gave the names of the three victims as Wilmar Rivas, Andrés Estrada and Dario Estrada.

Off-shoots of the Farc rebel group, which refused to sign a peace deal negotiated by the guerrilla group's leaders in 2016, have a strong presence in the area.

The rivers in the region are often used to transport cocaine - the main source of income for illegal armed groups - and weapons.

Military officials said one of the groups under the command of a man known as Iván Mordisco was behind Tuesday's drone attack.

Mordisco walked out of peace talks with the government in April 2024, and the dissident rebel factions he leads engage in criminal activities such as the extortion of farmers and landowners, illegal mining and cocaine trafficking.

Putin reaffirms 'friendship' with North Korea before Trump talks

13 August 2025 at 09:18
SPUTNIK/EPA-EFE/REX/Shutterstock Russian President Vladimir Putin shakes hands with North Korean leader Kim Jong Un during their meeting in Pyongyang, North Korea, 19 June 2024.SPUTNIK/EPA-EFE/REX/Shutterstock

Russian President Vladimir Putin has reaffirmed his "friendship" with North Korean leader Kim Jong Un, ahead of his talks with Donald Trump on Friday.

It also comes as the BBC reported the "slave-like" condition facing thousands of North Korean workers sent to Russia to take part in construction projects.

Putin and Kim spoke on Tuesday, with the Russian leader praising Pyongyang's military support for his country's war against Ukraine.

This week, Russia has been making fresh military advances in Ukraine, leading to a sudden thrust near the eastern town of Dobropillia and advancing 10km (six miles) in a short period of time.

Kim and Putin "reaffirmed their commitment to the further development of friendship relations, good-neighbourliness and cooperation," the Kremlin said in a statement.

Putin gave the North Korean leader an update on the Alaska summit's preparation, sharing with him "information in the context of the upcoming talks with US President Donald Trump," the Kremlin said.

The official North Korean statement did not mention this.

Repeating his earlier statement, Putin "praised the assistance provided by [North Korea's] support during the liberation of the territory of the Kursk region", according to his office.

The Ukrainian army briefly invaded Russia's Kursk region last year in an unexpected offensive that showed Western allies its capability to fight back against Russia, which currently occupies about 20% of Ukraine's territories.

'Like slaves': North Koreans sent to work in Russia

Putin and Kim spoke just days before the Russian leader is expected to travel to Alaska to meet Trump, his first face-to-face meeting with a US president since Russia's full-scale invasion of Ukraine in February 2022.

The war, while causing Russia near-complete economic and diplomatic isolation from the West, has seen unprecedented collaboration between Moscow and Pyongyang. At least 10,000 North Korean soldiers have been sent to fight side by side with their Russian counterparts, according to Ukraine and South Korea.

North Korea also provided Russia with missiles, artillery shells and labourers.

With many of Russia's men either killed or tied up fighting - or having fled the country - South Korean intelligence officials have told the BBC that Moscow is increasingly relying on North Korean workers.

A Hollywood Start-Up Targets the Micro Drama Craze

13 August 2025 at 21:01
A new app will focus on super-short TV shows shot for phones, a bit like Quibi, an earlier app aimed at quick content.

© Alex Welsh for The New York Times

From left, Lloyd Braun, Jana Winograde, Chris McGurk and Susan Rovner are among the Hollywood stalwarts working on a start-up called MicroCo.

山东一县委书记落马 民众放烟花称“晴天了”

13 August 2025 at 22:00

山东齐河县委书记孙修炜任上被查,当地民众在他被查后自发放烟花,网民称是“庆祝”。

山东省纪委监委网站上个星期五(8月8日)公布,齐河县委书记孙修炜涉嫌严重违纪违法,目前正接受山东省纪委监委纪律审查和监察调查。

公开资料显示,今年55岁的孙修炜是山东莱州人,他长期任职潍坊市,历任潍城区委常委、副区长,寒亭区委常委、副区长,寿光市委副书记,潍城区区长等职。2021年1月,孙修炜任德州市齐河县委书记,至此番被查。

多个抖音视频显示,他落马消息传出后的8月8日当晚,就有人在齐河县燃放烟花,并配文“大齐河晴天了”、“齐河县解放了,烟花安排上”等,还有人写了打油诗,“书记落马人称快,凝聚万民齐欢腾”。8月9日、10日,仍然有网民发出当地燃放烟花的视频。

中国自媒体“媒派”星期天(8月10日)发文称,孙修炜在主政期间民怨四起,包括要求把全城大街的灯杆刷成黑色、私生活不检点等,不过这篇文章显示“存在争议内容,被禁止分享”。

据“新黄河”2023年8月的报道,齐河县街头灯杆的确统一粉刷成黑色。报道称,2021年,全县部分路段路灯杆、信号灯杆以及标识标牌等存在不同程度的生锈损坏。全部更换需要5000万元(人民币,892万新元)以上的资金支出,但仅进行除锈、粉刷等作业,只需360余万元。

于是,齐河县通过借鉴杭州、上海等地做法,去除非必要和杂乱的标识标牌,进行合杆,同时沿用传统黑色灯杆的颜色进行复新。

下午察:又是精神病惹的祸?

13 August 2025 at 21:27

上个星期天(8月10日),两名中国女大学生在江西省南昌市八大山人梅湖景区游玩时,因拒绝一名男子搭讪而被对方用剪刀攻击,其中一名19岁女生身中十多刀死亡,另一人受伤入院。

这起恶性事件星期二(8月12日)在网络曝光后,引发舆论震动。更令网民愤怒的是,当地警方同天发布的通报中提到,23岁的席姓犯罪嫌疑人“有精神疾病诊疗史”。

根据通报,席姓嫌犯已被刑事拘留,案件正在进一步侦办。有网民评论:“一出事就说是精神病,看到这几个字,就知道会怎么处理了”“精神病真是一块免死金牌”。

中国两大国有造船厂今起停牌 本周内合并

13 August 2025 at 21:00

中国船舶、中国重工股票从星期三(8月13日)开市起连续停牌,意味着中国船舶吸收合并中国重工这一A股史上最大规模交易,再进一步。

综合观察者网、《华尔街日报》报道,中国造船业的龙头中国船舶将于本周将吸收合并中国船舶重工股份有限公司(简称中国重工),并成为唯一在上海证券交易所挂牌的存续公司。

公开资料显示,中国船舶、中国重工均为中国船舶集团旗下军民融合造船工业企业。但两家船厂核心技术存在互补。其中“南船”中国船舶主力船型包括集运、LNG/VLEC(液化天然气)和其他特种船型;“北船”中国重工聚焦油轮与干散货船、军船和海工装备等。

《华尔街日报》称,合并后的新公司旨在通过规模效应降低成本,应对美国总统特朗普重振美国造船业的行动而引发的行业动荡。

中国7月银行贷款20年来首现收缩

13 August 2025 at 20:38

中国7月新增人民币贷款20年来首次收缩,远低于分析师预期,但更广义信贷增速改善,显示央行短期内无迫切放松货币政策的压力。

中国人民银行星期三(8月13日)公布数据显示,今年前七个月人民币贷款增加12.87万亿元(人民币,下同,2.3万亿新元)。而前六月人民币贷款增加12.92万亿元。

按此计算,7月新增人民币贷款减少500亿元,这是自2005年7月以来首次出现收缩,也是自1999年12月以来最大单月降幅。

此外,7月居民贷款减少4893亿元,6月则增加5976亿元,显示房地产市场长期低迷未见好转。

路透社报道指出,尽管7月贷款通常在6月大幅增长后回落,但此次数据低于最悲观预期,反映出在北京努力与华盛顿进行贸易谈判之际,民间部门需求疲弱。

不过,广义信贷指标增速改善,7月末社会融资规模存量为431.26万亿元,同比增长9%。广义货币(M2)余额329.94万亿元,同比增长8.8%;狭义货币(M1)余额111.06万亿元,同比增长5.6%;流通中货币(M0)余额13.28万亿元,按年增长11.8%。

路透社引述澳新银行集团高级策略师邢兆鹏称,7月信贷数据较弱,但货币供应增速超预期,反映出去年低基数和债务化解的影响。目前货币政策进入观察期,短期内不太可能降息。从流动性需求来看,下调存款准备金率也可能推迟,结构性货币政策仍是主要宽松工具。”

中国央行主管的《金融时报》星期三报道称,单月贷款读数通常不足以准确反映经济活跃程度,分析经济金融形势时无需对单月数据过度关注,更不宜过度炒作单月信贷增量读数波动。

文章指出,总体来看,在当前决策层多次提到“破除内卷式竞争”的背景下,金融机构也必须看到,挖掘有效信贷需求是银行稳健可持续经营的保障。

文章也说,随着中国经济结构转型升级,传统信贷需求在减少,新动能领域信贷需求在增加,金融机构未来需要适应形势变化,加快转变经营思路,进一步下沉客户,在细分市场中挖掘有效信贷需求。

史学家许倬云辞世 国台办:先生始终以自己是中国人为荣

13 August 2025 at 20:00

针对著名史学家许倬云辞世,中国大陆国台办发言人朱凤莲表示,许倬云一生致力于弘扬中华文化,他的辞世,令人惋惜。

朱凤莲表示,许倬云先生是知名历史学家,对中国历史和中华文明深有研究,一生致力弘扬中华文化,功底深厚、著述丰富,在两岸乃至国际学术界有广泛影响。许先生辞世,令人惋惜。

朱凤莲还说:“许倬云先生具有民族情怀,始终以自己是中国人、是中华民族一份子为荣;强调两岸同属中华文化,‘两岸的文化血脉无法割裂”,反对‘文化台独’。他表达希望看到‘九州同’的统一期盼,受到两岸民众的赞许,值得后人学习”。

许倬云1930年出生于福建厦门,19岁时随家人移居台湾,在台大历史系取得学士和硕士,留学美国返台曾任职于台大和中研院。他在1970年移民美国,定居匹兹堡,长期任教于匹兹堡大学,为历史系荣休校聘讲座教授。他8月4日凌晨在美国匹兹堡离世,享年95岁。

JD Vance Meets Nigel Farage, Another Right Wing Populist, on Trip to UK

13 August 2025 at 21:48
JD Vance, the vice president, sat down with Nigel Farage, a longtime supporter of President Trump whose party, Reform U.K., is leading in British polls.

© Pool photo by Kin Cheung

Vice President JD Vance was hosted on Friday by David Lammy, the British foreign secretary, at a government-owned estate in southern England.

美制裁涉刚果(金)非法采矿的武装组织和两家香港公司

13 August 2025 at 21:45
13/08/2025 - 15:38

美国周二宣布制裁了一个武装团体和两家总部位于香港的公司,据称这些公司与刚果民主共和国(刚果(金))的暴力活动和非法采矿有关。

官员们称,此举旨在打击该地区的冲突矿产贸易。美国财政部外国资产控制办公室对刚果爱国抵抗联盟/打击力量(PARECO-FF)实施了制裁。该组织前身是一个长期在刚果(金)东部从事破坏稳定活动的武装团体。美国财政部称该团体“在其控制的矿区实施强迫劳动并处决平民”。

受到制裁的还有总部位于香港的东升集团有限公司(East Rise Corporation Ltd.)和星龙集团有限公司(Star Dragon Corporation Ltd.),美国财政部指这两家公司购买了非法采购的矿产。

刚果矿业公司——刚果手工矿工合作社(CDMC)也因涉嫌向这两家外国公司出售“从刚果爱国抵抗联盟/打击力量控制区采购并走私的”材料而受到制裁。

美国财政部表示,“冲突矿产贸易为武装团体提供了资金来源,并导致刚果(金)政府收入减少,加剧了刚果(金)的不安全和不稳定”,并指“根据经修订的13413号行政命令,东升集团和星龙集团因向CDMC提供物质援助、赞助或财务、物质、后勤或技术支持或货物或服务而被指定”。

美国国务院发言人布鲁斯(Tammy Bruce)周二亦发表声明称,“今天的制裁将对破坏刚果(金)东部稳定的行为者施加惩罚。制裁对象是众多从事非法采矿作业的武装团体之一,这些作业包括强迫劳动和对平民施暴”。

布鲁斯续指:“制裁还反制了在刚果(金)和中国的企业与武装团体合作,利用动荡局势牟取暴利,窃取刚果(金)的矿产资源。今天,美国发出明确信息:任何武装团体或商业实体,如果破坏刚果(金)的和平、稳定或安全,都不能免受制裁”。

CDMC则在一份声明中表示:“坚决否认将我们合作社与任何形式的武装团体活动或矿产走私联系起来的指控”。东升集团和星龙集团尚未回应彭博社的置评请求。

据悉,华盛顿这次制裁的重点是刚果(金)东部的鲁巴亚矿区,该矿区拥有世界上最大的钽矿产地之一,钽矿用于制造电子产品。

CDMC表示,该公司是包括鲁巴亚地区在内的特许权的“合法注册持有者”,但由于该地区的安全局势不稳,公司已于2023年暂停了所有采购。CDMC还称:“我们不是肇事者,而是主要受害者”。

此前,刚果(金)和卢旺达今年6月在华盛顿签署了一项和平协议,旨在结束多年来的致命冲突,并促进刚果(金)动荡东部地区的发展。美国协助促成了这项和平协议,旨在结束卢旺达支持的“M23”叛军组织对刚果(金)东部大片矿产资源丰富的地区的占领。

美国和刚果(金)正筹备另一项合作,这可能促使美方对这个中非国家世界级的金属储备进行投资,包括铜、钴和锂。

根据美国地质调查局的数据,去年刚果(金)及其邻国卢旺达的钽产量占全球总产量的近60%。尽管市场规模较小,年产量约为2500吨,但对钽的需求主要来自智能手机和电动汽车等电子产品中使用的电容器。

美方周三宣布的制裁中的指控涉及“M23”叛军于2024年4月占领鲁巴亚之前的一段时期。美国财政部称,当时,刚果爱国抵抗联盟/打击力量控制着该地区的矿区,通过“向矿工收取非法费用和税款,并从事矿产走私”来增加收入。

据联合国专家在今年1月和7月发布的报告,“M23”叛军目前正负责监督鲁巴亚矿产,包括钽和锡矿石向卢旺达的走私活动。此前的报告称,该组织每月通过对矿产贸易征税至少赚取80万美元,并造成了该地区迄今为止“最大规模的矿产供应链污染”。

美国于2013年在“M23”叛军首次叛乱期间对其进行了制裁,最近又将该组织内部的高级人物以及几名被指控支持该组织的卢旺达官员列入制裁名单。卢旺达否认支持该叛军组织。

CDMC在一份由公司总裁穆伦巴(Serge Mulumba)签署的声明中表示,某些刚果官员“在不透明的外交和金融渠道的支持下”,正“协同行动,以破坏”CDMC对鲁巴亚地区大型采矿许可证的所有权。

美国财政部负责恐怖主义和金融情报的副部长赫尔利(John K. Hurley)在周二的声明中指出:“冲突矿产贸易给刚果平民造成了致命的伤害,加剧了腐败,并阻止守法企业在刚果(金)投资。美国财政部将毫不犹豫地对那些阻止美国及其盟友获取国防所需关键矿产的团体采取行动”。



飞机在俄罗斯被扣留不还 中国飞机租赁公司蒙受巨额损失

13 August 2025 at 21:15
13/08/2025 - 14:38

据《南华早报》报导称,中国飞机租赁公司成为旷日持久的俄乌战争的最新受害者之一。近日,一家公司披露,其三架飞机在俄罗斯被扣留,至今未归还,并已获得2300万美元的保险赔付。这是近年来中国在俄持有资产被扣留浪潮的一部分。

据本周发布的一份证券交易所文件显示,Avmax Group Inc.(以下简称AVMAX)是广东山河智能装备股份有限公司(以下简称山河智能)的全资子公司,该公司根据三份合同将上述飞机租赁给俄罗斯客户。

公告称,这些飞机是由加拿大航空制造商庞巴迪的子公司德哈维兰加拿大公司开发的涡桨动力客机,并租赁给俄罗斯航空公司——雅库特航空和阿芙乐尔航空。其中两份合同已于去年到期。

山河智能的公告写道:“自2022年2月地缘政治冲突以来,航空业在制裁范围内。AVMAX根据相关政策,多次尝试召回租赁在俄罗斯的上述飞机。尽管已持续进行交涉与回收操作,仍无法成功收回涉事飞机”。

这份发布日期为8月12日的公告提到,“近日,AVMAX与飞机保险承保人(含主承保人Liberty Group及其他承保商)就赔付方案达成一致意见,确认AVMAX可从保险承保商获得的保险理赔款为2,900万美元,扣除律师费用等后的保险赔付款净额为2,296.51万美元。截至目前,AVMAX已全额收到2,296.51万美元保险赔付款,按照2025年8月8日外汇管理局公布的美元对人民币汇率中间价为7.1382,折算人民币16,392.95万元。保险赔付款项扣税后对公司净利润影响金额为12,622.57万元,会计核算计入营业外收入,占公司上一年度经审计归母净利润的172.92%”。

报导指,AVMAX所遇到的情况并非个例。一家浙江公司的全资子公司Airwork也在俄罗斯被扣留了六架波音757货机,该公司曾要求终止租赁合同,并于2022年归还其飞机。Airwork公司后来仅成功回收了一架飞机,损失了数亿美元。这迫使该公司注销剩余资产的价值,并发起了旷日持久的保险诉讼。

公开文件显示,自2022年以来,其他几家中国租赁公司——包括中银航空租赁有限公司和国银金融租赁股份有限公司——也报告了巨额损失,并获得了保险赔偿,原因是它们无法在俄罗斯回收部分飞机。与此同时,报导指,此类纠纷并非仅限于航空业。

去年10月,莫斯科禁止一系列货物经俄罗斯过境后,中国“一带一路”倡议的旗舰项目——中欧班列沿线爆发了一波查扣事件。这些禁令主要针对机械和电子产品等军民两用物品,这些物品被视为可能被驻乌克兰的西方部队用于其他用途。

这些新规影响了数千个通过这条庞大铁路线从中国运往欧洲的集装箱。每月约有8万个20英尺当量的货物通过这条途经俄罗斯的铁路线运往欧洲市场。许多中国货运公司直到几周后才得知这一规则变化的消息,而俄罗斯当局此前已经扣押了它们的大量货物。

据货运代理商称,当时至少有1000个集装箱被扣押,其中一些被扣押的货物后来未经合法程序就被俄罗斯当局没收。这导致中欧班列铁路货运总量大幅下降。根据中铁集装箱运输有限责任公司的数据,今年上半年,运往欧洲的集装箱货运量同比下降了20.3%。

近年来,西方对俄罗斯的制裁使其与中国的关系更加密切,中俄贸易关系尽管出现波动,但仍取得了显著增长。然而,中国人民大学国际关系学院教授王义桅表示,许多中企在与俄罗斯合作伙伴打交道时仍留下痛苦的回忆。

王义桅在采访中说:“中国企业传统上与俄罗斯保持有限的经济合作,更倾向于与拥有成熟法律体系的西方市场经济体合作”。他续指,“俄罗斯的经济思维与市场经济原则截然不同”。



中国军方称“驱离”进入黄岩岛海域的美军驱逐舰

13 August 2025 at 21:17
德正
2025-08-13T13:03:40.369Z
中国方面监视并“驱离”了一艘驶近南海有争议黄岩岛(Scarborough Shoal)的美国驱逐舰“希金斯号”(USS Higgins 资料图片)

(德国之声中文网)中国军方周三(8月13日)表示,监视并“驱离”了一艘驶近南海有争议黄岩岛(Scarborough Shoal)的美国驱逐舰“希金斯号”(USS Higgins)。这是至少六年来首次有美军舰艇进入该岛礁附近水域。

中国人民解放军南部战区在声明中称,“希金斯号”于周三“未经中国政府批准,非法闯入中国黄岩岛领海”,称其行为“严重侵犯中国主权和安全,严重破坏南海和平稳定”,并表示将“时刻保持高度戒备”。

美国印太司令部拒绝就此置评,将问题转交给美海军第七舰队,但后者尚未立即回应。不过,美国海军通过电邮告知路透社,“美国将捍卫在国际法允许范围内飞行、航行和行动的权利”,这正是“希金斯”号所做的,“中国的任何说法都不会令我们却步”。美方表示,美军舰艇会定期进入南海执行官方称作“航行自由”行动的任务。

中国海警船撞上解放军军舰

事件发生前一日,菲律宾指责中国船只在黄岩岛附近一次补给任务中实施“危险动作和非法干扰”。当时,菲律宾海警正在护送向当地渔民运送物资的船只。中国海警船3104号高速追逐菲方海警船BRP苏鲁安号,却在追逐中中国人民解放军海军军舰发生碰撞。菲律宾海警发布了相关视频。

中国海警发言人证实中菲在黄岩岛附近海域确有对峙发生,但未提及撞船一事。中国海警表示已采取“必要措施”将菲律宾船只驱逐出该水域。

南海主权争端

黄岩岛位于菲律宾的专属经济区内,渔业资源丰富。虽然专属经济区并不属于领土,但沿海国对其资源享有特别利用权。中国和菲律宾均声称对黄岩岛拥有主权。2012年,2012年中国从菲律宾手中夺取了实际控制权,并派海警常驻

2016年,国际仲裁庭裁定北京方面基于九段线的的“历史性权利”主张没有国际法依据,但中方不承认该裁决的有效性

黄岩岛一直是南海紧张局势的热点,该岛每年承载逾3万亿美元海上贸易。中国声称对几乎整个南海拥有领土主权,但文莱、印度尼西亚、马来西亚、菲律宾、台湾和越南等也在部分海域提出主权主张。

美国经常派遣军舰进入南海执行所谓“航行自由行动”,以挑战其认为由中国及其他声索国施加的航行限制。

(路透社 法新社)

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“指尖上的银行”渐入佳境,谁更在意你的数据钱包安全?

四大行信息科技投入金额均维持200亿元以上,在60家银行中遥遥领先。在已披露完整数据的31家银行中,14家信息科技投入金额同比下滑,最高者甚至下降40%。

36家披露了信息技术投入占营收之比。20家银行超过3.65%的行业均值,国有银行、股份行、城商行和农商行分布比例为2:8:7:3。各类银行在数字金融领域的积极作为,据此可见一斑。

由数字化向数智化跃迁,映射出人工智能对金融行业的赋能已不可逆地进入银行业决策辅助层级。未来,人机协同作业的局面将愈发常见,人工智能将成为未来行业分化的关键。

6家银行因监管处罚被扣除10分,占比10%,其中不乏绩优者。案由涉及数据治理、数据安全和数据质量等问题。

南方周末研究员 陈琰 实习生 何家伊 吴玮琳 苏美善

责任编辑:丰雨

每天处理各类银行业务的你,已多久未光顾银行网点?你是否深切体会到,无论信用卡额度的升降,还是“秒达”的风险警示,抑或各类理财产品的推荐,“指尖上的银行”越来越懂你的金融需求?

“指尖上的银行”渐入佳境的背后,是各银行动辄几十亿甚至过百亿的技术投入和技术大军的持续竞赛,数字化乃至进阶为数智化已成为各银行决胜的关键。

行业协会的权威报告亦印证了这一点。2025年8月7日,中国银行业协会在其发布的《中国银行业客服中心与远程银行发展报告(2024)》中称,国内主要银行机构中,三成以上客服中心和远程银行开始探索应用大模型技术,智能技术综合使用率升至93%。数智技术已成为推动金融行业高质量发展的核心动力,大模型深度应用将为数字金融发展注入持续动能。

在这场日新月异的技术变革中,哪些银行通过技术赋能提升了盈利能力和资产质量?哪些银行推出的数字化产品爆发式增长?银行业的数字化合规度如何?谁的安全盾更能呵护你的金融数据安全?

因应市场和政策迭变,南方周末新金融研究中心在“2024年金标杆——数字金融榜”评价指标体系基础上,对原有指标体系进行调整和优化,并获得不同类型商业银行主要业务条线资深人士和权威专家高度认可。与此同时,南方周末新金融研究中心首次将测评范围扩展至在香港上市的所有中资银行。被测评对象由之前的43家扩容至60家:包含在A股和H股上市的59家银行和系统重要性银行之一的广发银行股份有限公司。

历时半年,南方周末新金融研究中心研制的“2025年金标杆—数字金融榜”初榜(下称“数字金融榜初榜”),是2025年“金标杆—新金融竞争力榜”18个子榜之一,亦是六大银行系榜单之一。客观、科学、公正和透明是“金标杆”系列榜单严格遵循的四大原则。

值得一提的是,数字金融榜初榜全部定量数据来源于各银行2023年和2024年年报及ESG报告,并首度依托南方周末“金标杆·新金融竞争力榜数据库”(下称“金标杆”数据库),(详见《“金标杆”数据库上线:测评金融机构势能的“温度计”》)采集获取。“金标杆”数据库是国内金融科技龙头恒生电子旗下上海恒生聚源数据服务有限公司依据南方周末新金融研究中心设计的榜单指标体系定制的数据库,亦是国内首家媒体金融智库与国内金融科技机构联合研制的榜单数据库。

数字金融榜初榜显示,各类型银行早已对科技利于提升经营效率和资产质量形成高度共识,并积极付诸行动。更令客户期待的是,金融科技整体呈现由数字化向数智化跃迁的趋势。

披露完整相关数据的31家银行中,过半银行在2024年加大了信息科技投入。其中4家国有大行年投入额均高达200亿元以上;披露完整相关数据的33家银行中,超七成银行科技员工数量同比增长,以兴业银行、上海银行为代表的股份制银行和城商行科技员工占比更超过10%;中小银行在发展金融科技方面未甘落后,沪农商行和苏农商行等长三角地区农商行以“抱团取暖”的方式实现突围。

9月开始,南方周末新金融研究中心将根据各商业银行2025年半年报对相关指标得分进行更新,并同步对被评测银行展开深度问卷调查、实地走访和线上调研。与此同时,将遴选相关领域资深专家组成独立专家评审团进行“背对背”评分。在上述三类分值各占一定权重的基础上,制作并公布“2025年金标杆——数字金融榜”。

六大维度,20项子指标

数字金融榜初榜指标测评体系由“战略布局及组织架构”“数字化风控”“数字化产品”“数字化效能”“行业权威评价”和“监管处罚”等六大维度20个子指标构成。

“战略布局及组织架构”包含8个细项子指标,在整个指标体系中占比最高,达55%。其中“数字化转型/数智化转型词频是否大于行业中位数”一项,以各行于年报及ESG报告中披露的相关词汇频次为基数。为何以行业中位数作为定性参照?通常情况下,大行更易在数字金融领域积极作为。银行金融科技投入程度与其资金实力存在较大关联。此种方法可剔除指标测评过程中极值影响。

“是否设立金融科技子公司”子指标,旨在评价银行是否将数字化转型一事提升至高于业务流程的组织架构层面。在实际经营活动中,金融科技子公司不仅通过技术研发优化母行业务流程(如智能风控、线上获客、自动化运维),降低运营成本,还通过对外技术输出(如为中小银行提供核心系统解决方案、为供应链企业提供数字化管理工具),形成新的营收增长点。

“战略布局及组织架构”维度的其他6个细分子指标,主要围绕信息科技投入和科技人才两方面设定。同时,虑及科技员工数量和科技投入两个成本支出项与银行资金实力密切相关,因此将6个细项指标中的3项设置为对评分结果影响更大的定性指标,更在测评内容上分别以“同比”和“占比”形式凸显“跟自身对比”,借此提升总分排名的公正性。

以上为指标测评体系中的“新变量”。数字金融榜初榜保留了2024年数字金融榜指标评价体系中对各被测评对象不良贷款率和风险加权资产收益率等指标的测算。这是因为数字金融对银行资产质量及运行效率有强大的赋能效应。

数据质量、数据治理和数据安全等问题皆为银行数字化革新的前提。因此,将“监管处罚”一项以反向定性指标呈现。对2024年期间收到监管部门(中国人民银行和国家金融监督管理总局及其派驻机构)相关罚单的机构,不论其罚金多寡,均在总分中扣减10分。

更值得一提的是,数字金融榜初榜引入中国银行业协会的一项相关评价结果,作为“行业权威评价”子指标的测算依据。在该协会最新公布的2024年商业银行稳健发展能力“陀螺”(GYROSCOPE)评价中,“体系智能化能力”细项指标重点考察商业银行网上银行交易额增长率、离柜业务率、信息科技系统建设水平和信息科技系统安全水平等4个分项。数字金融榜初榜将此项评分纳入指标体系,并赋予其10%权重,可填补年报信息披露度之相对有限的现实缺憾,提升测评结果权威度。

这是“金标杆”榜单首度引入行业协会的权威评价作为测分因子。

需要说明的是,数字金融榜初榜各定量指标评分,以已披露相关数据中最优者为参照。因此,各银行总分数值相对较低。评分仅代表榜单对各机构在相关业务领域参与度和发展程度的客观评估,不涉及是否合格之评价。

工行摘花魁,6家因被处罚而扣分

依据上述指标测评体系,南方周末新金融研究中心对60家银行数千个指标进行验算并排名。榜单结果显示,工行夺得桂冠。包括中行、农行、建行和邮储银行在内的5家国有大行均跻身前十,名次分别为第二、第三、第四和第七名。

工行何以位居榜首?工行在“科技员工数量”“信息科技投入”和“个人手机银行数量”3项中均获满分。与此同时,在数字化风控词频一项,工行是被测60家银行中频次最高者。2024年年报及ESG报告中,工行24次提到了数字化等近似词。这说明其对通过数字金融提高资产质量一项非常关注。数据显示,2024年末,工行不良贷款率为1.34%,同比下降1.47%。工行不良贷款率绝对值虽非国有银行阵营中最优者,但较2023年有所改善。

在国有银行阵营中,工行科技员工占比和信息技术投入额同比增幅皆位列第二。2024年,工行科技员工占比仅次于交行(9.44%),信息科技投入金额同比增幅仅次于中行。

在国有银行榜中排名第三的农行有何高分项?六大国有行中,农行科技员工数量增速最高,科技员工数量同比翻番,增长至27561名,在37家披露相关数据银行中排名第二;农行企业手机银行签约客户数量高达874万户,在所有披露相关数据银行中排名第一。邮储银行则是2024年企业手机银行用户增速最快者。

总体来看,2024年,在信息科技投入金额一项,工行、建行、农行和中行四大行均维持200亿元以上,在一众银行中遥遥领先。这充分证明金融科技与资金实力的正相关性。但从同比增速一项来看,六大行中,建行和交行的投入金额同比减少。事实上,在已披露完整数据的31家银行中,14家信息科技投入金额同比下滑,最高者甚至下降40%。若从规模经济的角度而言,这并不直接说明相关机构对数字金融领域的重视度有所下降。技术发展在不同生命周期需要的成本投入程度,亦会对此产生影响。

交行是惟一与榜单前十失之交臂的国有银行,排名第十一,略逊于排名第十的上海银行。这与其收到的一张监管罚单相关。2024年,因“数据安全管理不足”等原因,国家金融监督管理总局对交行处以160万元罚款。其在总分中被减分处理。

不独交行,6家银行因监管处罚而被扣除10分,占比10%,其中不乏绩优者。监管机构处罚的案由涉及数据治理、数据安全和数据质量等问题,包含对以独立法人形式存在的金融科技公司。

招行跻身前五,向数智化进阶

股份制银行中,谁对数字金融更为看重并付诸行动?

榜单结果显示,招行是惟一挤入榜单前五的股份制银行,亦是股份行阵营中惟一科技员工数量过万者。

招行何以领先?在59家披露相关数据的银行中,招行风险加权资产收益率最优,为2.22%。这意味着,其以较少的风险加权资产实现了相对高的利润,亦证明招行在数字金融的赋能下实现了较优的风控水平。2024年末,招行不良贷款率为0.95%,维持在1%以下的行业较佳水平。

翻阅招行2024年年报可发现,招行首度提出全面打造“数智招行”战略。该行判断,银行业正处于以大语言模型为代表的新一代人工智能引领的科技浪潮和产业变革中,人工智能将成为未来行业分化的关键。未来,招行将积极探索“AI+金融”新模式,并使其成为核心竞争力。

数字化和数智化有何不同?数字化强调将传统业务流程由“物理形态”转化为“数字形态”,数智化则属于数字金融领域的“进阶层”,通过算法对数据进行建模,实现市场需求预测、供应链调度和智能客服应答等多个功能。招行由数字化向数智化跃迁,映射出人工智能对金融行业的赋能已不可逆地进入决策辅助层级。未来,人机协同作业的局面将愈发常见。

中信银行在总榜中位居第六,在股份制阵营中排名第二,亦是该阵营中两家信息科技投入金额超百亿元的银行之一。其信息科技投入在营收中占比一项超过5%,在股份行序列中排名第二,仅次于渤海银行。

总分排名榜单第九的兴业银行亦有不俗表现。在2024年年报和ESG报告中,数字化转型相关的词汇被提及45次;科技员工占比高达13.51%,在可测相关数据的36家银行中排名第一。绝对值来看,兴业银行科技员工数量在股份行序列中排名第二,仅次于招行;信息科技投入额超80亿元,次于招行和中信银行,位列第三。此外,兴业银行旗下金融科技子公司兴业数金是国内首家银行系金融科技公司。除协助母行进行数字赋能外,兴业数金还对同业输出科技服务。

较之信息技术投入绝对值,投入金额在营收中的占比,更能体现主体机构对数字金融领域的重视。近年来,伴随对数字金融领域的重视,越来越多的银行开始在年报中披露此项数据。被测评的60家银行中,36家披露了这一指标值。测算发现,3.65%为此项指标的行业均值。20家银行超过此均值水平,其中国有银行、股份行、城商行和农商行分布比例为2:8:7:3。各类银行在数字金融领域的积极作为,据此可见一斑。

沪农商行、上海银行“意外”突围

体量较小的城农商行序列中,谁的数字化水平较优?

总部位于上海的沪农商行和上海银行分别为农商行和城商行阵营中的得分最高者,双双入围总分排名前十,分列第八名和第十名。这打破了中小银行在数字金融领域相对落后的刻板印象。

与数字金融榜初榜的评价结果趋同,中国银行业协会在2024年度商业银行稳健发展能力“陀螺”(GYROSCOPE)评价中,仅“体系智能化能力”一项,包括沪农银行在内的3家长三角地区农商行获得9.8分(满分为10分)。

两家小银行为何有“意外之喜”?

在2024年年报及ESG报告中,沪农商行30次提及数字化转型相关的词汇。该行金融科技应用覆盖运营服务和风险管控等六大业务主线,并实现多项创新。沪农商行虽未设立金融科技子公司,但与外部机构成立多个实验室,强化与同业交流,并取得多项研究成果;在“科技员工数量”和“科技员工占比”两项指标评分中,沪农商行亦分别获得农商行序列内最优分值。

沪农商行还是国内首个通过数据管理能力成熟度 DCMM 4 级认证(我国数据管理领域国家标准 DCMM 中的一个较高等级认证)的农商行;“风险加权资产收益率”在可比同业中仅次于此项排名最高的江阴银行(1.6%)。

总部同样位于长三角区域的苏农银行在金融科技方面亦多有亮点。该行信息科技投入在总营收中占比为5.39%,在已披露数据银行中排名第一。该行在发展金融科技方面主张实用主义,率先探索区域法人银行“集约式”发展,整合内外部资源,强化协同联动。此举与沪农商行与外部机构联合设立实验室的方式存在共通之处。

南方周末新金融研究中心研究员认为,上述两家农商行为代表的中小银行“抱团取暖”的做法,可有效弥补主体机构规模和资源相对不足的缺憾,既避免了“躺平不转型”的被动,也规避了“盲目投入导致资源浪费”的风险,可为其他中小银行所借鉴。

在城商行阵营中,上海银行在“科技员工占比”一项居可比同业首位,“信息科技投入占营收比重”则仅次于此项排名第一的盛京银行(4.8%)。其在2024年年报中亦称,该行采用大小模型协同方式对客户服务和风险控制等业务流程进行升级再造,实现了运营效率和质量的明显提升。作为城商行中资产规模“老大”,北京银行以不到1分之差紧随其后,名列十二。但多数城农商行的得分不甚理想,其中12家城农商行尽揽榜单后十二名。

(九台农商银行因未披露2024年年报,因而不参与总分测评)

校对:星歌

欢迎分享、点赞与留言。本作品的版权为南方周末或相关著作权人所有,任何第三方未经授权,不得转载,否则即为侵权。

“迷你恶势力”案重审,一成员被另案处理却未立案

原一审庭审中,辩护人曾申请被害人作为证人出庭,被一审法院拒绝。但二审法院曾通知6名被害人出庭。二审庭审笔录显示,6名被害人表示自己未被强迫。

与刑法中明确规定的“组织、领导、参加黑社会性质组织罪”不同,恶势力没有具体的罪名,也没有单独的刑罚适用。那么,一旦被认定为恶势力,会对被告人产生何种影响?

南方周末记者 杜茂林 南方周末实习生 农岚淳

责任编辑:钱昊平

2025年7月,一起被称为“迷你恶势力”的案件在辽宁省北票市法院重审一审开庭。(视觉中国|供图)

2025年7月,一起被称为“迷你恶势力”的案件在辽宁省北票市法院重审一审开庭。(视觉中国|供图)

2025年7月,一起被称为“迷你恶势力”的案件在辽宁省北票市法院重审一审开庭,被指控的恶势力团伙由刘振国、张齐、刘雪三人组成,刚好达到认定恶势力的通常最低人数门槛。

案卷显示,1999年至2013年间,三人在辽宁省昌图县借“恶名”之势,阻碍他人收购猪肥膘和猪小肠,并强行以低价从当地屠宰场场主、杀猪户及猪下货贩子处收购猪小肠800000根,强迫交易金额共计1202200元。检方据此以涉嫌强迫交易罪提起公诉。

检方认定三人构成恶势力的主要依据,是他们共同实施了强迫交易行为。但辩方律师对南方周末记者称,张齐与刘雪从未聚在一起过,也没有同时参与任何收购活动。

在这起涉恶势力案中,刘雪被另案处理。2024年8月,二审法院裁定以“原判认定事实不清”为由,将案件发回重审。

两人成行

昌图县位于辽宁省北部,生猪养殖和屠宰加工产业发展较为成熟。因毗邻沈阳,昌图县逐渐成为沈阳重要的猪肉供应地之一。

1999年,猪小肠在当地还不值钱。刘振国发现小肠可提取肝素钠、制作肠衣的商机后,便在昌图县老城镇和亮中桥镇8家屠宰场开启了他的“猪下水”收购生意。

经营模式简单而清晰:刘

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Three children charged with murder of man in Kent

13 August 2025 at 20:05
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Three children have been charged with the murder of a man who was found dead on the Isle of Sheppey in Kent.

A 16-year-old girl and two boys, aged 14 and 15, were arrested following an altercation in Leysdown-on-Sea on Sunday night.

Alexander Cashford, 49, was pronounced dead at the scene, police said.

This breaking news story is being updated and more details will be published shortly. Please refresh the page for the fullest version.

You can receive Breaking News on a smartphone or tablet via the BBC News App. You can also follow @BBCBreaking on X to get the latest alerts.

Average mortgage rates below 5% for first time since Truss budget

13 August 2025 at 18:48
Getty Images Homebuyers look at an estate agents window display - stock shotGetty Images

The average two-year mortgage rate has dipped below 5% for the first time since former Prime Minister Liz Truss's mini-budget in September 2022, figures show.

The rate has dropped to 4.99%, according to Moneyfacts, which described it as a "symbolic turning point" for homebuyers and shows lenders are "competing more aggressively".

Interest rates have been cut five times since last August but at the Bank of England's last meeting, a split vote between policymakers raised questions about whether there would be another reduction this year.

A Moneyfacts spokesperson said that although mortgages are following the "mood music" set by the Bank's rate cuts, they are unlikely to fall at the same pace.

Gaza talks to focus on releasing hostages all in one go, Netanyahu hints

13 August 2025 at 19:35
ABIR SULTAN/POOL/AFP via Getty Images Headshot of Israeli Prime Minister Benjamin Netanyahu staring ahead wearing a dark suit.ABIR SULTAN/POOL/AFP via Getty Images
Netanyahu has dismissed international criticism of his plans to expand the war

Israel's Prime Minister Benjamin Netanyahu has indicated that Gaza ceasefire efforts are now focused on a comprehensive deal to release all the remaining hostages at once.

The plan previously being pushed was for an initial 60-day truce and partial release of living hostages.

Hamas says a delegation of its leaders is in Cairo for "preliminary talks" with Egyptian officials.

Reports say that mediators see a window of opportunity in the coming weeks to try to push a deal through.

After indirect talks between Israel and Hamas broke down last month, Israel announced a controversial plan to widen its military offensive and conquer all the Gaza Strip - including the areas where most of its two million Palestinian residents have sought refuge.

However, Israeli media do not expect the new operation to begin until October - allowing time for military preparations, including a mass call-up of reservists.

In the meantime, witnesses say that Israel has stepped up its attacks on Gaza City with intense air strikes in the past day, destroying homes.

Early on Wednesday, al-Shifa Hospital said seven members of one family, five of them children, were killed when tents were targeted in Tel al-Hawa. Al-Ahli Hospital said 10 people were killed in a strike on a house in the Zaytoun area.

The Israeli military chief Lt Gen Eyal Zamir also "approved the main framework for the IDF's operational plan in the Gaza Strip", a statement released by the army said.

In an interview with the i24 Israeli TV Channel shown on Tuesday, Netanyahu was asked if a partial ceasefire was still possible.

"I think it's behind us," he replied. "We tried, we made all kinds of attempts, we went through a lot, but it turned out that they were just misleading us."

"I want all of them," he said of the hostages. "The release of all the hostages, both alive and dead - that's the stage we're at."

Palestinian armed groups still hold 50 hostages taken in the Hamas-led attack on 7 October 2023 that triggered the war. Israel believes that around 20 of them are still alive.

Netanyahu is under mounting domestic pressure to secure their release as well as over his plans to expand the war.

Last week, unnamed Arab officials were quoted as saying that regional mediators, Egypt and Qatar, were preparing a new framework for a deal that would involve releasing all remaining hostages at the same time in return for an end to the war and the withdrawal of Israeli troops.

However, this will be difficult to do in a short time frame as Israel is demanding that Hamas give up control of Gaza as well as its weapons.

This is likely to be why, at a news conference on Tuesday, Egyptian Foreign Minister Badr Abdelatty told journalists that Cairo was still "making great efforts" with Qatar and the US - the other mediators - to revive the earlier phased plan.

"The main goal is to return to the original proposal - a 60-day ceasefire - along with the release of some hostages and some Palestinian prisoners, and the flow of humanitarian and medical aid into Gaza without obstacles or conditions," Abdelatty said.

The Israeli prime minister says Israel's goals have not changed. He says that the war will end only when all hostages are returned and Hamas surrenders.

Netanyahu has said that, ultimately, Israel must keep open-ended security control over Gaza.

Hamas has long called for a comprehensive deal to exchange the hostages it is holding for Palestinian prisoners in Israel jails. It also wants a full pull-out of Israeli forces and an end to the war.

It refuses to disarm unless an independent Palestinian state is created.

Speaking to i24, Netanyahu also reiterated an idea that Palestinians should simply leave the territory through "voluntary" emigration, saying: "They're not being pushed out, they'll be allowed to exit."

He went on: "All those who are concerned for the Palestinians and say they want to help the Palestinians should open their gates and stop lecturing us."

Palestinians, human rights groups and many in the international community have warned that any forced displacement of people from Gaza violates international law.

Many Palestinians fear a repeat of what they call the "Nakba" (Catastrophe) when hundreds of thousands fled or were forced from their homes in the fighting that came before and after the state of Israel was created in 1948.

Most Gazans are descendants of those original refugees and themselves hold official refugee status.

UN-backed experts have warned of widespread famine unfolding in Gaza, where Israel has greatly limited the amount of humanitarian aid it allows in.

The UN's World Food Programme has warned that starvation and malnutrition are at the highest levels in Gaza since the conflict began.

Hamas's 2023 attack killed about 1,200 people in Israel, with 251 taken into Gaza as hostages.

Israel's offensive has since killed at least 61,722 Palestinians, according to the Hamas-run health ministry. It says that 235 people including 106 children have also died due to starvation and malnutrition.

Amber heat health alert remains in place with 33C forecast

13 August 2025 at 19:33
PA Media People shelter from the sun outside Buckingham Palace, London.PA Media

An amber heat health alert remains place for parts of the UK until 1800 on Wednesday, as areas in England and Wales officially entered their fourth heatwave this summer.

Temperatures will rise into the high 20Cs and low 30Cs, with parts of the East Midlands, Lincolnshire and Yorkshire experiencing the hottest weather with a maximum temperature of 33C forecast on Wednesday afternoon.

Wednesday brings "a more complex picture", the Met Office has said, as high temperatures coincide with a chance of thunderstorms across northern areas.

A yellow weather warning for thunderstorms will be in place for some parts of Scotland between 14:00 and midnight.

The weather warning, issued by the Met Office, covers northern, central and south-east Scotland, where showers are forecast. Conditions could be particularly heavy and thundery.

The downpours could lead to some localised disruption, with road spray and flash flooding leading to difficult conditions.

There are further heavy and thundery showers expected across Scotland and Northern Ireland on Thursday, with an additional yellow weather warning in place from midnight on Wednesday until 22:00 on Thursday.

While Scotland and Northern Ireland will not technically be in a heatwave, due to the three consecutive day rule, temperatures there are still well above the average for the time of year with a forecast of 25C to 29C on Wednesday.

The threshold is 25C for most of the UK, but rises to 28C in London and its surrounding areas, where temperatures are typically higher.

Areas in south-west England, south-west Midlands, north-west England and East Anglia already met the heatwave criteria, by having three consecutive days above a certain temperature.

An amber heat health alert, issued by the UK Health Security Agency (UKHSA) and the Met Office, means the weather's impacts are likely to be felt across the health service. It is under these circumstances that we can see an increase in risk to health for individuals aged over 65, or those with pre-existing health conditions.

Amber alerts are in place for London, the South East, East of England, West Midlands and East Midlands. A yellow heat health alert is in place for the South West, North East, North West and Yorkshire and the Humber.

Climate change is making heatwaves like those parts of the UK and Europe have experienced this summer more frequent and intense.

Extreme weather events in Europe should be treated as "a health emergency, not just a climate one", a World Health Organization (WHO) advisory group that looks into the health impacts of climate change said on Wednesday.

Citing a 2023 report, the Pan-European Commission on Climate and Health said that heat-related mortality in Europe has increased by 30% in the past two decades, with more than 100,000 deaths recorded.

There is no current law in the UK for maximum workplace temperatures, although employers have an obligation to keep them at a comfortable level.

Trade union Unite has called for the introduction of a maximum working temperature to be set at 30C and for work to be stopped where temperatures cannot be controlled indoors or when no protection - such as shaded areas - can be provided outdoors.

Overheating can lead to heat exhaustion or heatstroke. Heatstroke is considered to be a medical emergency that requires immediate treatment.

Older adults, young children and people with long-term health conditions are especially at risk.

Highest temperatures of 2025:

  • England - 35.8C Faversham, 1July
  • Wales - 33.1C Cardiff Bute Park, 12 July
  • Scotland - 32.2C Aviemore, 12 July
  • Northern Ireland - 30C Magilligan, 12 July

The heat will ease for most on Thursday with some thunderstorms and some cooler, less humid air into Friday - but temperatures could rise again into the weekend.

Thursday will still be a very warm day for eastern and south-east England, with temperatures reaching 29C. Elsewhere the forecast temperatures will be slightly lower at 24C to 27C.

Friday could be hotter again with temperatures rising back above 30C in south-east England and to mid to high 20s elsewhere across England and Wales.

It then stays very warm into the weekend. While cloudy at times, especially in the mornings over the coming days, there will still be lots of sunshine for most of us.

The lack of any significant rain into next week is another concern, especially for farmers and growers, as well as for those in areas experiencing a drought and hosepipe bans.

England is suffering widespread environmental effects from the shortage of water, which is hitting farms, damaging wildlife and increasing wildfires, the national drought group - which includes the Met Office, regulators, the government and water companies - said.

The group met on Tuesday as Yorkshire, Cumbria and Lancashire, Greater Manchester Merseyside and Cheshire, East Midlands, and the West Midlands experienced drought.

North-east England, Lincolnshire and Northamptonshire, East Anglia, Thames, Wessex, Solent and South Downs are currently classed as areas "in prolonged dry weather", the phase before drought.

Droughts began to occur earlier than expected this summer following a long period of low rainfall and the sixth driest spring since records began in 1836.

Millions of people in England are now under hosepipe bans aimed at limiting water consumption.

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