互联网模式红利见底， 三要素拐点有望驱动价值回归。 2016 年至今中信黑电板块指数下跌 19%，跑输行业整体，表现低迷。牛市风口之后，产业步入蛰伏期， 互联网模式冲击硬件盈利、 运营价值尚未兑现以及今年以来暴涨的面板价格， 是压制板块表现的核心因素。 然而随着互联网模式的红利逐步见底，决定硬件盈利水平的竞争格局、面板价格两大核心要素，以及决定产业中长期空间的运营价值都料将在 2017 年迎来重大拐点，产业价值回归值得期待。

在商务部发布的数据中，我们看到， 2015 年，虽然农村网民增加不到 10%，但是和农村电商相关联的两个指标，农村网购增长了 96%，将近翻了一番，农产品网销增长了 70%多。还有一个更值得我们关注的数据，就是农村电商点，到去年年底达到 25 万个。如果把中国农村电商市场想象成一个方圆 960 万平方公里的大棋盘，盘面上有 60 万个村级节点，那么，到去年底，其中的 25 万个已经被电商“点亮”，村民可以就地开展电子商务了。或许这些村点可做的具体业务不一，有多有少，但不管怎么样，这都是农村电商的一个非常重要的新进展。

Mobile wallets are electronic money accounts that can be maintained and used via cell phones and other mobile devices. These wallets help account holders pay bills or purchase goods online. Often, companies give offers and discounts to encourage customers to use these apps. Mobile wallets are based on technologies, such as nearfield communication (NFC), and have revolutionized the digital payments market. There has been a rise in the number of point of sale (POS) terminals worldwide since the advent of this technology.

BPM is an approach to improve organizational workflow in a changing environment and help businesses identify, validate, and improve business processes. BPM software is used to simulate, automate, and monitor business processes of an organization. The software helps organizations to determine their future course of action. It increases profitability by optimizing business processes. It has various components such as process designer, process engine, rules engine, and process analytics. The process designer assigns logic to the process after analyzing it, and the process engine allocates automated activities to applications and manual operations to employees.

These days, organizations seek seamless services that help them automate their work process without putting resources at risk. Cloud services are the most reliable way to streamline business processes and strengthen company's presence across geographies. However, some major concerns such as data security and lesser control over end-user data make organizations reluctant to invest in cloud-based services.

Software-defined storage (SDS) is a central part of the software-defined data center (SDDC), which is an emerging information technology (IT). It has been designed for organizations to store business data and to enable the speedy delivery of IT services. In an SDS framework, storage services are delivered as a software layer that can be abstracted from the underlying hardware. SDS solutions eliminate the need for manual configuration of the operational process in the SDDC; these solutions accomplish the objective by according control to the software through the separation of the underlying hardware.

A technology-driven education system like the smart education architecture includes information, resources, and professional development opportunities to support institutions in imparting education to students in a digitally rich environment. In this system, traditional teaching methodologies are transformed to improve the learning process and knowledge delivery. The smart education model uses an array of tools including digital text, graphics, audio-visual, and interactive presentations. These tools allow teachers to demonstrate and communicate easily, improve the teaching process, and engage students in multimedia technologies.

市场回顾：本周沪深300 指数上涨0.01%，中小板指数下跌0.18%，创业板指数上涨0.51%，计算机（申万）指数上涨0.07%。互联网金融指数上涨0.49%，跑赢沪深300 指数0.48 个百分点，跑赢计算机（申万）指数0.42 个百分点。互金板块本周整体小幅收涨，主要受到自周三起创业板市场整体连续下跌以及互联网大会召开等利好的双重影响。

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