024年，面对宏观经济增速放缓以及自 身结构转型等多重压力，中国银行业继 续探索着前进的路径。与此同时，国际 经济和地缘政治环境日益复杂，也让全 球银行业的发展充满了挑战和不确定性。 预计在2025年，这些挑战仍然是影响世 界各地银行业务增长的关键因素，具体 包括：

美国经济二季度或将继续惯性走弱，人民币升值窗口有望开启，外资及外币收入结汇 有望成为两大增量资金。结构上，市值风格小切大，消费地产反攻。

全球医美巨头艾尔建美学、高德美注射美学的医美业务部门几乎都是对外合 作与并购而来，该等产品在其平台上不断拓宽适应症、触达更多人群和延伸 到更多市场，目前均为全球化发展。艾尔建美学在 1991 年收购了 Botox， 2006 年收购乔雅登所在公司 Corneal Laboratoires，经过二三十年的发展， 2024 年艾尔建美学旗下 Botox 医美用途收入达到 27.20 亿美元（医学用途 收入为 32.83 亿美元），乔雅登系列产品收入为 11.77 亿美元，两大产品占 艾尔建美学业务的 75%。高德美注射美学旗下神经调节剂产品 Dysport 来 自于对外合作，后在此基础上开发液体神经调节剂产品，2024 年收入达到 12.85 亿美元，填充剂瑞蓝系列和再生材料 Sculptra 亦分别来自 Q-Med和 赛诺菲，2024 年收入合计 10.14 亿美元。

“两会”聚焦提振消费，从政策目标、任务举措着手，旨在提振消费，发挥消费对经济增长的拉动作用。 2024年我国经济运行“稳”的态势巩固延续，其中消费领域表现为物价总体平稳，居民消费价格上涨0.2%，民生保 障扎实稳固，居民人均可支配收入实际增长5.1%，消费市场稳健，社零总额增长3.50%。

Artificial Intelligence (AI) is revolutionizing the global CBS market by enhancing efficiency, improving customer service, and enabling advanced risk management. AI-driven solutions are transforming traditional banking operations, making them more agile and customer-centric.Enhanced Efficiency and ProductivityAI technologies, such as machine learning and natural language processing, are automating routine tasks, reducing manual intervention, and speeding up processes. For instance, JP Morgan Chase has implemented an AI system that automates key aspects of the loan approval process, reducing processing times from days to minutes.

Corporate LMS is defined as a software application for training, administrating, documenting, reporting, and delivering training programs to the employees in order to upskill their knowledge on a domain and increase productivity at work.

Algorithmic trading is a trading system that mainly utilizes advanced and complex mathematical models and formulas to evaluate the result and formulate effective high-speed decisions for trading companies. It involves using fast computer programs and complex algorithms to create and determine trading strategies for the best possible outcomes.

Adventure tourism involves a type of tourism allowing tourists to perform adventure activities including scuba diving and mountain climbing. An adventure tourism trip may include at least three elements, including physical activity, natural environment, and cultural immersion. Moreover, it should be done outside the usual environment of a person, in a domestic or international destination, for more than 24 hours but less than a year.

Adult entertainment refers to the selling, leasing, or presentation of media, including books, movies, sex toys, and live performances, with the main goal being the exposure or demonstration of particular sexual acts or body parts.

1-2 月份，社会消费品零售总额同比增长 4.0%，增速环比提升 0.3pct。其中，除汽车以外的消 费品零售额 76838 亿元，增长 4.8%。