Group 1 - Federal Reserve Chairman Powell indicated that current conditions suggest a downside risk to employment growth, which may require policy adjustments [1] - Powell expressed an openness to interest rate cuts in the coming months, despite existing inflationary pressures [2] - The labor market and economic growth have shown significant slowdown, prompting a cautious reassessment of the Fed's policy stance [2] Group 2 - Powell highlighted that tariffs have raised prices on certain goods, with July's core PCE price index rising 2.9% year-on-year [2] - The Fed's interest rate levels are now closer to "neutral" compared to last year, and future evaluations will focus on preventing temporary price increases from leading to long-term inflation [2] - The Fed reaffirmed its commitment to maintaining a 2% inflation target to ensure long-term expectations remain stable [2]

眼下，暑假进入尾声。回顾整个夏日经济，从文旅度假市场火热，到清凉商品焕新畅销，从夜市街头的烟火升腾到影院剧院的精神享受，多样化需求正在 带动各类暑期消费"热力全开"。大江南北呈现出一幅"热"力四射、生机勃勃的繁荣图景。 2025年，从《关于进一步培育新增长点繁荣文化和旅游消费的若干措施》发布，到《提振消费专项行动方案》出台，再到《关于金融支持提振和扩大消费 的指导意见》推出，一系列提振消费政策为我国消费市场向好发展注入强大动能，以金融活水灌溉内需。 邮储银行始终紧跟国家政策导向，通过推出多样化的消费补贴和优惠活动、持续提升支付服务水平、护航消费安全等，助力全面扩大内需，促进消费提质 升级。 "贷"我清凉一夏天 今年夏季格外炎热，"清凉家电"走俏消费市场。 "一台原价近5000元的立式空调，参加国补和邮储银行活动后优惠了700元，还能享受24期0息分期，每个月支付不到160元我就换了新空调，国家政策好， 银行的服务也好！"北京市民胡女士带着母亲在商场挑选了一台新空调，"家里空调用好多年了，趁着以旧换新，给妈妈换一台无风感空调，旧空调终于可 以'退休'了。" 某电器商城数据显示，6月下旬以来，全国新一级能效空调销 ...

随着黄金关注度的不断升高，"痛金"（又称"二次元金饰"）迅速走红。 近日，"二次元金饰被炒至每克2800元"登上微博热搜，阅读量与讨论量持续攀升。截至8月22日，该词条阅读量已超过600万。 据媒体报道，在8月上海的某漫展上，一位二次元游戏爱好者携带着身价上万的"金钞痛包"成为众人关注的焦点，在社交平台上，相关帖子点赞量破万。 近几年，周大福、老凤祥等黄金珠宝龙头企业，都密切关注"Z世代"的消费习惯和审美偏好，并与全球知名IP合作推出联名产品，满足当前年轻消费者的 需求。 曾经被贴上"妈妈时代压箱底资产"标签的黄金，如今早已摆脱刻板印象，成为年轻人手中炙手可热的社交货币。 业内人士认为，当下，时尚快消品市场将会成为年轻人的舞台。一些时尚饰品因低客单价、能输送情绪价值的创意设计以及不断迭代的款式变化，深受年 轻人喜爱。 年轻人成为消费主力 从"痛金"火爆出圈不难发现，当前"Z世代"（一般指1995至2009年间出生的人）成为珠宝市场的消费主力。 世界黄金协会在《2025中国金饰消费者洞察》中提到，年轻消费者金饰拥有率较高，其中18—24岁消费者的金饰拥有率高达62%。2019年世界黄金协会曾 开展过类似调研，数 ...

Group 1 - The 2025 World Humanoid Robot Games showcased the integration of technology and art, highlighting the advancements in robotics and the potential for creative expression [1][2] - The event featured a grand opening ceremony at the Beijing National Speed Skating Stadium, with a focus on the design and artistic direction led by the Central Academy of Fine Arts [2][3] - The event's emblem and interior design were inspired by binary code, symbolizing the connection between the real and virtual worlds, and emphasizing the foundational role of these elements in AI and robotics [2] Group 2 - The opening ceremony included a fashion show featuring humanoid robots dressed in custom outfits designed by the Central Academy of Fine Arts, blending traditional aesthetics with contemporary technology [3][4] - Each robot's costume was tailored using advanced manufacturing techniques, such as 3D printing and dynamic mechanical structures, to reflect cultural motifs and enhance the robots' unique characteristics [4][5] - The incorporation of traditional Chinese cultural elements into the robots' designs added depth and personality, showcasing the fusion of modern technology with historical aesthetics [5] Group 3 - In the competition, the Beijing Dance Academy and Guanggu Dongzhi joint team won the first gold medal with their performance featuring humanoid robots, demonstrating significant advancements in motion control technology [7][8] - The performance involved complex choreography that required precise coordination between human dancers and robots, showcasing the capabilities of humanoid robots in artistic expressions [8][9] - The humanoid robots used in the performance were developed with high-performance algorithms and underwent extensive testing to ensure fluid and synchronized movements [8][9] Group 4 - The event concluded with the "Zhixin" installation symbolizing the coexistence of technology and humanity, marking the successful completion of the first World Humanoid Robot Games and the beginning of a new journey [9][10] - The games aimed to establish a premier event brand and set global standards for humanoid robot competitions, while promoting public interest and understanding of robotics [10]

中国人民银行内江市分行（以下简称"内江市分行"）立足思想政治工作新形势新任务，着力深化"五项 工程"，在守正创新、破立并举中不断夯实工作基础，推动思想政治工作焕发新活力。 搭建关爱桥梁，深化"暖心工程"。认真落实职工互助保障投保、日常慰问等服务工作，新增购买女职工 10年大病互助险，协助一名重病职工争取保障赔付8万余元。通过举办心理减压拓展训练、开展"工作与 压力"心理健康讲座、开设"周五放映室"、新人"第一课"，临退休"话别情"等形式，让职工感受"家温 暖"。今年以来，成立书法、羽毛球、摄影兴趣小组3个，吸引全行职工参与。积极解决离退休干部便利 化交纳党费、职工未成年子女就餐、政务值班室升级改造等现实困难，让职工切切实实体会到"组织温 暖"。 注重成长成才，深化"青年工程"。通过"我为廉洁文化建设献一策""创建全国文明单位我们这样干"等活 动，让青年的心声诉求、意见建议直达党委。坚持思想领航和职业护航双轮驱动，设立党的创新理 论"学习之星"奖项评选，对标"金融法律青年培养基地""青年理论学习积分制"，开设模拟法庭、青年辩 论赛等活动，为培育一支高素质、专业化的青年队伍不断赋能。开展"金融服务惠民行""传播正 ...

Core Viewpoint - The article emphasizes the importance of the deposit insurance system as a crucial component of financial security in China, highlighting its role in maintaining financial stability and protecting depositors' interests, particularly in the context of its ten-year implementation since 2015 [1][4]. Summary by Sections Deposit Insurance Pricing Mechanism - The book systematically studies the deposit insurance pricing issue from three dimensions: regulatory penalties, interval pricing, and macroeconomic policy considerations. It introduces a tolerance coefficient into Merton's classic model, showing that increased regulatory penalties lead to lower risk preferences among banks and subsequently lower deposit insurance rates [1][2]. - The research also incorporates fuzzy mathematics into the deposit insurance pricing model, demonstrating the theoretical significance and practical necessity of interval pricing, ultimately deriving deposit insurance prices based on triangular intuition fuzzy numbers [1][2]. - The impact of tax reduction policies on the real economy and financial sector is analyzed, revealing that a decrease in income tax rates leads to lower deposit insurance premiums, with empirical evidence indicating that higher bank income tax rates increase risk-taking and thus raise deposit insurance rates [1][2]. Risk Effects of Deposit Insurance System - The study investigates the impact of the deposit insurance system on banks' risk-taking behavior through four dimensions: the influence mechanism, differentiated rates, early corrective actions, and prudent regulatory policies. It finds that the implementation of the deposit insurance system effectively reduces risk-taking levels among small and medium-sized banks [2][3]. - The research expands on classic theoretical models, proving that differentiated deposit insurance rates have a suppressive effect on banks' risk-taking, particularly in the context of rural commercial banks' reforms [2][3]. - The book constructs indicators to characterize the early corrective actions of the deposit insurance system, confirming its effectiveness in early risk correction through unique data on real deposit insurance rates for small and medium-sized banks [2][3]. Policy Recommendations for Improvement - The author proposes four policy recommendations to enhance China's deposit insurance system: accelerating the legislation of the Deposit Insurance Law to improve its role and independence; strengthening regulatory collaboration to enhance efficiency; establishing a financial firewall between small and large banks to reinforce oversight; and utilizing big data to improve risk management and public supervision mechanisms [3][4]. Overall Assessment - The book presents a comprehensive study of the deposit insurance pricing mechanism and the effects of the deposit insurance system, characterized by a framework that integrates empirical facts, pricing mechanisms, risk effects, and mechanism design. It effectively combines theoretical and empirical research, addressing both pricing mechanisms and risk effects in detail [4][5]. - The theoretical contributions include integrating prudent regulation and macroeconomic policies into deposit insurance pricing models, enriching the theoretical landscape of deposit insurance [4][5]. - The empirical focus on small and medium-sized banks provides valuable insights into the effects of the deposit insurance system, offering a scientific evaluation that can inform future improvements [4][5].

Group 1 - Dehua is recognized as the "World Capital of Ceramics" and is the largest production and export base for ceramic crafts in China, with over 4,500 ceramic enterprises and products exported to more than 190 countries and regions [1] - In the first five months of 2025, Dehua's self-operated ceramic product export value reached 1.44 billion yuan, a year-on-year increase of 15.09% [1] - Dehua porcelain has a rich history, being a significant trade item along the Maritime Silk Road since the Song and Yuan dynasties, and has been praised for its craftsmanship, particularly the "Blanc de Chine" during the Ming dynasty [1] Group 2 - The China Ceramic E-commerce Logistics Park, developed by Quanzhou Jiaofa Group and the Dehua County government, features a 4,000 square meter global ceramic selection center and a 6,000 square meter shared cloud warehouse, providing comprehensive services for resident enterprises [2] - Fujian Zhongci Network Technology Co., Ltd., one of the first companies to enter the logistics park, emphasizes the digital integration of supply chain resources to address procurement and service challenges [2] - Shunmei Group, a core enterprise in Dehua's ceramic industry, has been the top exporter for ten consecutive years, with products sold in over 100 countries, including major clients like Disney and Walmart [2] Group 3 - Financial support plays a crucial role in Dehua ceramics' international expansion, with Shunmei Group receiving a credit line of 7.8 million yuan to stabilize production amid raw material price fluctuations during the 2022 Winter Olympics [3] - Shunmei Group has a total credit line of 308.3 million yuan from various banks, with a loan balance of 136.6 million yuan, and has also engaged in foreign exchange settlement and derivative transactions [3] - The enduring legacy of "China White" reflects the essence of Chinese aesthetics and craftsmanship, showcasing the collaborative strength and cultural confidence of the nation [3]

外部环境不确定因素越多，期货市场独特作用越发凸显。今年以来，在全球经济复苏乏力、地缘冲突加 剧的复杂形势下，大宗商品价格剧烈波动。面对挑战，我国期货市场主动作为，充分发挥价格发现和风 险管理功能。 "为助力实体经济稳健运行、更好应对外部风险挑战，期货市场各项工作有序推进、成效显著，市场发 展质量再上新台阶。"中国证监会期货监管司副司长王颖近日在2025中国(郑州)国际期货论坛上表示， 在当前不确定因素显著增多的市场环境下，期货市场为制造业相关市场主体稳定经营、提升产业链供应 链安全性提供了坚实保障。 期货市场服务能力不断增强 目前，国内期货市场已构建起覆盖能化、金属、农产品、金融等关键领域的多层次期货品种体系，成为 实体经济和产业链相关企业抵御价格波动风险、优化资源配置的重要工具。 在王颖看来，近年来我国期货市场服务能力不断增强。一方面，品种工具体系日益丰富。截至目前，我 国已上市商品期货和期权品种131个，可服务和辐射的国民经济领域更加广阔。另一方面，产业客户参 与度持续提升。2024年全市场产业客户日均成交量同比增长12.2%，参与套期保值的上市公司数量连续 11年保持增长。 多维度推动期货市场高质量发展 ...

做好普惠金融大文章是中央金融工作会议提出的明确要求。作为金融五篇大文章之一，普惠金融既事关 小微企业等经营主体的发展，也关乎民生福祉。 近年来，我国普惠金融发展取得长足进步，金融服务的普惠性不断提升，在支持国家战略、满足人民群 众日益增长的金融服务需求方面发挥了积极作用。中国人民银行公布的最新数据显示，截至2025年二季 度末，人民币普惠小微贷款余额35.57万亿元，同比增长12.3%，增速比各项贷款高5.2个百分点。 普惠金融的发展离不开银行业金融机构的助推。农业银行北京分行聚焦优化普惠领域产品服务供给，认 真落实农业银行总行党委决策部署，坚持"两个毫不动摇"，支持民营经济发展和普惠金融服务能力持续 增强，充分发挥了服务实体经济的主力军作用。 《金融时报》记者从农业银行北京分行了解到，截至今年6月末，该行普惠贷款余额突破500亿元，普惠 贷款年增量突破100亿元，创同期历史最高增幅。 推动小微企业融资协调机制落地落实 通过怀柔区协调机制专班，农业银行北京分行获取了这家企业存在短期资金周转问题这一关键信息。 在专班与农业银行北京分行详细了解企业经营状况、财务情况、市场前景等信息并充分沟通后，农业银 行北京分行 ...

Core Viewpoint - The Ministry of Finance has issued guidelines to standardize the construction and operation of existing Public-Private Partnership (PPP) projects, aiming to enhance project quality and efficiency [1] Group 1: Project Implementation and Prioritization - Local governments are required to prioritize projects with certain returns based on economic and financial conditions, ensuring timely completion of these projects [2][5] - Projects that have not commenced by the end of 2024 will generally not adopt the PPP model for implementation [5] - Emphasis is placed on optimizing project construction by reducing unnecessary costs and adhering to approved budget limits [5] Group 2: Financing Support - Financial institutions are encouraged to objectively assess and actively support financing for ongoing projects, ensuring timely loan disbursement [6] - The guidelines promote equal negotiation between financial institutions and private capital to optimize financing structures, including adjusting repayment plans and lowering interest rates [6] Group 3: Contractual Compliance and Payment - Approximately 70% of existing PPP projects are in operation, and their performance is crucial for the quality and efficiency of public services [7] - The guidelines stress the importance of adhering to contracts, with local governments required to make timely payments based on performance results [7] - Delays in project completion or performance evaluations should not be used as excuses for payment delays [7]