2021 年4 月我国社会消费品零售总额同比+17.7%，较2019 年同期+8.8%，两年平均+4.3%。消费保持增长态势，4 月社零同比增速较3 月回落系基数较高所致。其中，商品零售增长强劲；餐饮恢复至疫情前水平；乡村增长超越城镇。①细分品类：金银珠宝、服装鞋帽针织品、化妆品等可选品类高增；日用品、粮油食品等必选品类维持稳定增速。②网上：全国网上零售额同比继续高速增长，实物商品网上零售额占比22.2%，较2019 年同期提升3.6 个pct。伴随双循环格局下的政策刺激、居民收入稳步上升等多因素提振内外需，今年国内消费已迎来全面复苏。建议关注黄金珠宝、化妆品等行业的投资机会。

Location analytics or geoanalytics is the method of generating insights by analyzing location data. It adds a geographical data to the data assets of a business in order to extract more valuable insights. In all the industries, business data, such as the data about people, transactions, assets, and events, often comprises a geographic component, which when added to an analysis of performance may unlock new related insights. Location analytics provides an organization with spatial analytics as well as other analytics abilities to understand the data through a location-specific perception and optimize business practices and enable predictions accordingly. It helps businesses to make more informed decisions that can improve both effectiveness and efficiency.

An enterprise asset lease is an agreement wherein, one party, the lessor grant rights to the other party, the lessee to use capital goods or other assets such as utility vehicle, commercial equipment, medical & IT software for professional purpose against certain periodic payments. The lessee also has the option to acquire the ownership of the asset after the lease is over. It has been witnessed that COVID-19 has also majorly disrupted the businesses and entities as much as it has affected personal lives, due to which the demand for software, capital equipment, and vehicle has slowed down. This lower demand results from liquidity crisis in economy. In that scenario, leasing has proven to be a strong financing alternative because it facilitates entities such as startmultinationals, and others to acquire the right to use property, plant and equipment without making large initial cash outlays.

Investment banking involves the rising of capital and provides financial consultancy services to individuals and organizations. With becoming one of the major segments of the financial services industry, investment banking & trading services assist companies, institutions, and governments with underwriting services and executing transactions such as mergers & acquisitions (M&A), market-making, securities trading for both equities and fixed income, and others. Primarily, investment banking deals with the creation of capital for other companies, governments, and other entities.