Core Viewpoint - UBS warns that President Trump's proposal to cap credit card interest rates at 10% may have counterproductive effects on consumers and the economy [1][2] Group 1: Impact on Financial Institutions - Trump's call for a 10% cap on credit card interest rates has led to a sell-off of major financial stocks, including Capital One, Synchrony Financial, JPMorgan Chase, and Citigroup [1] - Investors are reacting to the potential threat to the profitability of lending institutions due to the proposed interest rate cap [1] Group 2: Consumer Spending and Economic Implications - UBS analysts suggest that the proposed cap could suppress consumer spending and reduce lending to certain borrower groups, particularly low- and middle-income Americans [2] - The Federal Reserve Bank of Boston data indicates that credit card spending across different income groups could face severe impacts, with at least 26% of credit card consumption potentially affected [2] - Consumer spending accounts for approximately 70% of U.S. GDP, and credit card spending constitutes nearly half of Visa's total payment volume and over half of Mastercard's [2]

Market Overview - The ChiNext Index experienced a high and then a decline, dropping over 1% at one point during the early session on January 13. The total trading volume for the Shanghai and Shenzhen markets reached 2.44 trillion yuan, an increase of 128.3 billion yuan compared to the previous trading day [1] - The overall market saw over 2800 stocks decline, with the Shanghai Composite Index down 0.03%, the Shenzhen Component Index down 0.31%, and the ChiNext Index down 0.83% [1] Sector Performance - The AI application sector continued to show strong performance, with over ten constituent stocks hitting the daily limit. Notable stocks include Ingrity Media, Liou Co., and Shengguang Group, all of which reached the limit [1] - The AI medical sector remained active, with Meiyan Health and Dean Diagnostics achieving three consecutive limit-ups, while Hongbo Pharmaceutical hit a 20% limit-up [1] - The commercial aerospace sector showed localized strength, with Shaanxi Huada and Electronic Science and Technology Chip both reaching the limit [1] - Conversely, the controlled nuclear fusion sector saw a collective decline, with Zhongzhou Special Materials and Wangzi New Materials experiencing significant drops [1] Limit-Up Performance - The limit-up rate was recorded at 69.00%, with 72 stocks hitting the limit and 32 stocks touching the limit on the previous day [3] - The opening rate for limit-up stocks was 85%, with a profit rate of 2.96% [3]

Core Viewpoint - The former executive of BYD, Zhao Changjiang, has officially joined Hongmeng Zhixing's Zhijie Automobile, aiming to create a user-centered global benchmark smart brand and build an "AI era user-friendly system" [1][2]. Group 1: Company Transition - Zhao Changjiang's transition from BYD to Zhijie Automobile has garnered industry attention due to his previous role as a core sales executive at BYD [1]. - The move signifies a strategic shift towards enhancing user value and technological innovation in the automotive sector [2]. Group 2: Industry Collaboration - Hongmeng Zhixing is an intelligent automotive solution ecosystem brand developed through deep collaboration between Huawei and automotive companies [1]. - Zhijie Automobile is one of the product series resulting from the partnership between Huawei and Chery, indicating a focus on smart vehicle solutions [1]. Group 3: Future Aspirations - Zhao expressed a commitment to collaborate with industry partners to deepen product synergy and advance the smart mobility journey [2]. - The emphasis is on creating a unique user experience that integrates products, services, and overall user engagement in the AI era [2].

——鲍威尔在一段长达两分钟的特别视频声明中，指控政府当局以刑事起诉威胁迫使美联储降息。他将 司法部的调查定性为对美联储独立运作能力的直接挑战。 Timiraos得到的信息显示，美国司法部的传票于上周五深夜送达了美联储。此后，拥有律师背景的鲍威 尔整个周末都在与顾问们闭门商议应对之策。通过发布视频声明，鲍威尔已明确表明不会让此事在"暗 处"发酵。 Timiraos指出，对现任美联储主席展开刑事调查，在美国历史上实属史无前例的。而鲍威尔的声明同样 是"破天荒"的——其措辞直白犀利，与他多年来刻意避免的含蓄风格截然不同。鲍威尔素来措辞谨慎， 而周日这番异常严厉的表态，完全摒弃了他以往谈及白宫时惯用的外交辞令和刻意保持的中立立场。 通过公开表态，鲍威尔确保了美国政府私下施加的压力无法继续隐匿。而他披露调查的决定，似乎也源 于这样的信念：公众有权知晓正在发生的事态——对现任美联储主席提起诉讼的威胁，对试图理解利率 决策背后力量的投资者或其他任何人而言，都属于重大信息。 鲍威尔这回真要"硬刚"了？ 部分特朗普盟友此前曾乐观预测，施压行动将迫使鲍威尔放弃坚持——在5月美联储主席任期届满前主 动辞职。另一种可能则是确保他届时 ...

凤凰网科技讯 北京时间1月13日，《商业内幕》获得的内部备忘录截图显示，Meta正在全面改革员工绩 效评级体系，将向表现最优秀的员工发放最高可达基础奖金300%的奖励。 备忘录显示，Meta将推出一项名为"Checkpoint"的全新绩效评估体系，将员工评级重新划分为四个等 级。新体系将于"2026年年中"启动，旨在简化绩效评估流程，减少官僚主义，更加聚焦于实际工作成 果。 Meta表示，新绩效体系将通过更高的奖金激励表现最优秀的员工。新绩效等级及个人奖金系数的安排 如下： ·优秀(Excellent，约占70%)：个人奖金系数115%，被定义为"高绩效文化的基准线"。 ·需改进(Needs Improvement，约占7%)：个人奖金系数50%，存在绩效差距，被期望改进。 ·不达标(Not Meeting Expectations，约占3%)：个人奖金系数0%，未达到Meta的标准。 此外，Meta宣布将设立全新的"Meta卓越贡献奖"(Meta Award)，针对极少数创造"非凡卓越影响力"的顶 级员工，授予300%的个人奖金系数。(作者/箫雨) ·杰出(Outstanding，约占20%)：个人奖金系数 ...

Core Viewpoint - The recent attacks on the Federal Reserve by the Trump administration have reignited concerns about the central bank's independence, leading to a renewed "Sell America" trend in the market [1][3]. Group 1: Market Reactions - The Bloomberg Dollar Index fell by 0.2%, marking its largest single-day decline since December 24 [2]. - The S&P 500 index experienced an intraday drop of 0.5% before recovering [2]. - The 10-year U.S. Treasury yield rose by 1.19 basis points to 4.17%, while the 30-year yield increased by 1.62 basis points to 4.828% [2]. Group 2: Investment Sentiment - Allspring Global Investments noted that any developments questioning the Fed's independence would increase uncertainty in U.S. monetary policy, potentially leading to a stronger trend of reducing dollar holdings and increasing interest in traditional safe-haven assets like gold [1]. - Morgan Asset Management highlighted that expectations for more aggressive rate cuts could steepen the U.S. Treasury yield curve, putting more pressure on the dollar and U.S. Treasuries [3]. - Invesco's David Chao remarked that the subpoena incident is another example of declining attractiveness of U.S. assets, indicating a more predatory stance from the U.S. [5]. Group 3: Long-term Implications - Analysts express extreme uncertainty regarding the future of the Federal Reserve's operations, suggesting it is moving away from the familiar framework of the past decades [6]. - Concerns about the Fed's independence could have long-lasting effects on the U.S. economy, as noted by Jens Suedekum, who stated that Trump's attacks are undermining confidence in the Fed [6].

消息面上，1月9日，马斯克在社交媒体指出，将会在7天内开源新的算法，包括所有用于决定向用户推 荐哪些自然内容和广告帖子的代码。 1月13日，早盘GEO概念继续大幅高开，易点天下、利欧股份、浙文互联、引力传媒、博瑞传播3连 板，天龙集团、值得买高开超10%。 ...

谷歌Gemini OpenAI成配角 此前，谷歌一直在与OpenAI争夺苹果的AI合作。苹果在2024年末已将ChatGPT整合至设备中，使得Siri 语音助手能够调用该聊天机器人的专业知识来应对复杂问题。苹果当时表示，该整合方案没有重大调 整。OpenAI未回应路透社的置评请求。 不过，苹果与谷歌周一宣布的合作，可能会引发外界对OpenAI与苹果合作关系的质疑。面对谷歌 Gemini3的挑战，OpenAI CEO萨姆.奥特曼(Sam Altman)去年年底曾拉响"红色警报"，敦促团队加快开发 进度。 凤凰网科技讯北京时间1月13日，苹果和谷歌周一联合宣布，双方已达成多年协议，苹果将使用谷歌 Gemini驱动其下一代基础模型，包括即将推出的改款Siri。路透社对此发文称，这是谷歌取得的一场重 大胜利。 路透社称，周一宣布的协议是对谷歌投下的一张重大信任票。谷歌的技术已经为三星Galaxy AI功能提 供了核心支持，但此次与苹果Siri达成的协议，将为其打开一个拥有超20亿台活跃设备的庞大市场。 "经过仔细评估，苹果认定谷歌的AI技术能够为苹果基础模型提供最强底层技术。"谷歌称，该公司模型 还将驱动未来其他Ap ...

1月13日，日经225指数盘初拉高，涨幅扩大至3%，现报53577.77点。 ...

Market Overview - On January 13, U.S. stock indices collectively rose slightly, with the S&P 500 and Dow Jones reaching all-time highs, driven by strong performances in technology stocks and retail giant Walmart [1] - The market initially dipped due to concerns over a potential criminal investigation by the U.S. Department of Justice into Federal Reserve Chairman Jerome Powell, but investors largely downplayed these fears [1] - The technology sector was one of the biggest gainers of the day, with Walmart's stock rising by 3%, supporting the S&P 500 and Nasdaq indices [1] Walmart's Index Inclusion - Walmart is set to be officially included in the Nasdaq-100 index on January 20, which is expected to attract billions of dollars in passive index fund inflows [2] - Investors are shifting focus to the upcoming Q4 earnings season, with major banks like JPMorgan set to report their earnings [2] Economic Indicators - Investors are awaiting the U.S. Consumer Price Index (CPI) report, which could influence market expectations regarding future Federal Reserve interest rate cuts [2] - Currently, the market anticipates at least two more rate cuts of 25 basis points each by the end of the year [2] Sector Performance - As of the market close, the Dow Jones rose by 86.13 points (0.17%) to 49,590.20, the Nasdaq increased by 62.56 points (0.26%) to 23,733.90, and the S&P 500 gained 10.99 points (0.16%) to 6,977.27 [3] - Among the 11 sectors of the S&P 500, the information technology sector rose by 0.35%, while the financial sector fell by 0.8%, making it one of the weakest performers [3] Stock Highlights - Major tech stocks mostly rose, with Google A increasing by 1% and surpassing a market capitalization of $4 trillion; however, Amazon and Microsoft saw slight declines [4] - Planet Labs, a space concept stock, surged over 12% after announcing a long-term agreement with the Swedish Armed Forces [4] Precious Metals and Chinese Stocks - Precious metals stocks saw significant gains, with Hecla Mining rising by 8.9% and Coeur Mining by 5.8% [5] - Chinese stocks listed in the U.S. mostly rose, with the Nasdaq Golden Dragon China Index increasing by 4.26%, and Alibaba gaining over 10% [6] Company News - Apple announced a major upgrade for Siri in collaboration with Google, utilizing Google's Gemini model and cloud technology [7] - Meta Platforms CEO Mark Zuckerberg revealed plans for a new project called "Meta Compute," aiming to build substantial AI infrastructure by 2030 [7] - Nvidia and Eli Lilly announced a joint investment of $1 billion to establish an AI drug research lab in the San Francisco Bay Area [8] - Paramount has filed a lawsuit against Warner Bros. Discovery, seeking disclosure of key details regarding its negotiations with Netflix [9]