本文字数：2699，阅读时长大约4分钟 作者 |第一财经 陈君君 年终奖到账后，来自上海的一位投资者一时犯了难。手握十余万元年终奖，她既担心错过股市与贵金属 的上涨行情，又对高波动心存顾虑。 2026年以来，黄金价格大幅攀升，A股、港股同步走强，部分海外市场表现同样亮眼，相比之下，传统 理财产品的收益率显得并不突出。"买股票怕追高，放存款又觉得赚得太少"，这位投资者的纠结，正是 当前不少个人投资者的真实写照。 在这样的市场背景下，年终奖该如何安放，成为岁末年初的热门话题。与投资者的犹豫不决形成呼应 的，是银行端的密集动作。近期，国有大行、股份制银行以及多家城商行相继推出年终奖专属理财与配 置活动，产品形态不再局限于单一理财，而是延伸至存款、基金、保险及客户激励等多个维度，试图以 整体配置的方式承接这笔集中到账的资金。 产品密集上线，配置思路前移 2026.01.28 股份制银行中，浦发银行推出"年终奖规划锦囊"，将存款产品与理财产品分层组合。在存款端，安享赢 定期存款系列覆盖1年期、2年期和3年期，年利率分别为1.3%、1.4%和1.75%，均为100元起购；理财端 则同步推出3个月期、7个月期和14个月期的 ...

Group 1 - The U.S. stock market opened with all three major indices rising, with the Dow Jones up 0.21%, the Nasdaq up 0.65%, and the S&P 500 surpassing the 7000-point mark for the first time, setting a new record high [1] - The semiconductor sector led the gains, with Intel rising over 9%, and storage companies also saw significant increases: Seagate Technology up over 16%, Western Digital up over 10%, SanDisk up over 8%, and Micron Technology up nearly 5% [1][2] - Other sectors such as telecommunications services, electrical equipment, and non-ferrous metals also experienced notable gains [2] Group 2 - Texas Instruments rose 5%, with Q1 earnings guidance exceeding market expectations [4] - Starbucks increased by 6.5%, reporting a 4% growth in same-store sales in the U.S. for the first quarter, which was above market expectations [4]

Core Viewpoint - The article discusses the recent surge in gold prices, which has led banks to tighten the entry requirements for gold accumulation business, reflecting a shift in the risk management approach in the banking sector [2][5]. Group 1: Changes in Risk Assessment - Major banks, including Agricultural Bank of China and Industrial and Commercial Bank of China, have raised the risk tolerance requirements for individual clients participating in gold accumulation business, now requiring a minimum of "C3 - Balanced" risk assessment results [3][4]. - This adjustment is a response to increased market volatility and aims to protect individual investors' rights [4][5]. - Other banks, such as Citic Bank, have also raised their risk assessment levels to "C3" or higher for gold accumulation business, indicating a broader trend across the banking industry [5][6]. Group 2: Changes in Minimum Investment Amounts - Banks have been dynamically adjusting the minimum investment amounts for gold accumulation business, with some banks implementing floating mechanisms based on real-time gold prices [10]. - For instance, China Construction Bank raised its minimum investment amount from 700 yuan to 800 yuan in March 2025, and further to 1000 yuan in May 2025 [10]. - As of January 28, 2026, Zhejiang Commercial Bank increased its monthly cumulative investment minimum from 1200 yuan to 1300 yuan, reflecting the ongoing trend of increasing entry barriers in response to rising gold prices [11]. Group 3: Regulatory Environment - The adjustments in risk assessment and minimum investment amounts are influenced by regulatory changes, including the implementation of the "Financial Institutions Product Appropriateness Management Measures" by the National Financial Supervision Administration [7]. - This regulation sets unified standards for appropriateness management across the financial industry, prompting banks to align their risk management practices accordingly [7][8]. - The shift in the positioning of gold accumulation business from a low-threshold investment product to one with medium to high risk is anticipated as banks continue to raise entry requirements [7][8].

Core Viewpoint - The lithium battery industry is expected to reach a performance turning point in 2025, with many companies reporting improved earnings due to rising prices of key lithium materials and sustained demand from the electric vehicle and energy storage sectors [2][3]. Group 1: Industry Performance - Among 28 lithium battery companies that disclosed earnings forecasts, 11 are expected to see profit increases, and 6 are projected to turn losses into profits, indicating a recovery in the lithium battery materials sector [2]. - Key players in lithium materials, such as lithium carbonate and hexafluorophosphate, have reported significant quarter-on-quarter earnings growth, driven by price increases and ongoing demand from the electric vehicle and energy storage markets [2][3]. Group 2: Price Trends - The price of battery-grade lithium carbonate has shown a "V-shaped" recovery, rising from 73,000 yuan/ton to approximately 120,000 yuan/ton, with peaks reaching around 134,000 yuan/ton by the end of 2025 [4]. - The increase in lithium carbonate prices has significantly improved the profitability of lithium salt companies, with major firms like Ganfeng Lithium and Yahua Group reporting substantial profit increases [4][5]. Group 3: Company-Specific Insights - Ganfeng Lithium is expected to turn a profit in 2025, with projected net profits ranging from 1.1 billion to 1.65 billion yuan, compared to a loss of 2.074 billion yuan in the previous year [4]. - Yahua Group anticipates a net profit of 600 million to 680 million yuan in 2025, representing a year-on-year growth of 133.36% to 164.47% [4]. - Tianqi Lithium and other suppliers are also expected to report significant profit increases due to rising prices of hexafluorophosphate and lithium carbonate [5]. Group 4: Market Demand and Future Outlook - The demand for energy storage and electric vehicles remains strong, with global energy storage battery shipments expected to reach 640 GWh in 2025, a year-on-year increase of 82.9% [6]. - The continuation of domestic vehicle replacement policies and the resumption of electric vehicle purchase subsidies in Germany are expected to further boost demand [6]. - Analysts suggest that as long as the demand for new energy remains strong, the prices of key upstream products like lithium carbonate are likely to continue rising, leading to a new cycle of prosperity in the industry [7].

6天3板西部黄金：经公司自查，目前未发现其他可能或已经对公司股票交易价格产生重大影响的媒体报 道或市场传闻。目前公司关注到黄金市场热度较高，黄金采选和冶炼是本公司主营业务之一，敬请广大 投资者理性投资、审慎决策，注意投资风险。 赤峰黄金：公司主营业务为黄金采选，目前内部生产经营秩序正常，内外部经营环境未发生重大变化。 近期，公司黄金产品的市场价格累计涨幅较大，预计将对公司经营业绩产生一定影响。 1月28日，A股黄金概念股再掀涨停潮。截至收盘，飞南资源、晓程科技、迪阿股份20%涨停，中国黄 金、白银有色、招金黄金、铜陵有色、湖南黄金、赤峰黄金等30多只个股涨停。 4连板豫光金铅：公司属有色金属冶炼行业，原料自给率较低，有色金属价格波动将会对公司盈利能力 产生影响。近期公司产品白银价格出现较大涨幅，未来白银价格能否继续上涨或维持高位存在不确定 性；若未来白银价格出现下跌，将会对公司业绩造成不利影响。 4连板中国黄金：公司主营业务未发生变化，主要从事黄金珠宝首饰研发、加工、零售、批发及回购 等，未拥有探矿权、采矿权，敬请广大消费者理性决策，审慎投资。 晚间，多只概念股发布公告提示风险。 7连板白银有色：公司主要业务 ...

作者 |第一财经 陆涵之 亚马逊在当地时间1月28日开启了新一轮裁员。 亚马逊表示，当天宣布的裁员将影响16000个职位。亚马逊将为大多数美国员工提供 90 天的内部职位寻 找机会。对于无法在亚马逊找到新职位或选择不寻找新职位的员工，亚马逊将提供过渡支持，包括遣散 费、职业介绍服务、医疗保险福利等。 2026.01.28 本文字数：1200，阅读时长大约2分钟 美国科技行业开年后迎来裁员潮。本月，Meta将裁减旗下Reality Labs部门VR相关的员工，本次裁员涉 及约1000个工作岗位，同时关闭了多家开发VR游戏的工作室。 此外，1月27日，社交媒体Pinterest表示，计划裁员近15%，并缩减办公空间，以拥抱人工智能，预计裁 员将在第三季度末完成。 微信编辑| 雨林 第一财经持续追踪财经热点。若您掌握公司动态、行业趋势、金融事件等有价值的线索，欢迎提供。专 用邮箱：bianjibu@yicai.com （注：我们会对线索进行核实。您的隐私将严格保密。） 对于本次裁员原因，亚马逊表示一直在努力通过精简层级、增强责任担当和消除官僚主义来强化组织架 构。虽然许多团队在去年10月完成了组织架构调整，但其他一 ...

此外，半导体板块走强， 英特尔、阿斯麦盘前涨逾4%，台积电涨逾2%，英伟达涨近2%。 编辑｜钉钉 1月28日，美股存储板块盘前大涨，希捷科技盘前涨近10%，西部数据涨超7%，闪迪涨近7%，美光科技 涨超4%。 | G | 希捷科技(SEAGATE) | | | | --- | --- | --- | --- | | STX.O | | | | | 371.760 = 735.4万 | 股本 2.18亿 市盈 46.3 | | 万得 | | 13.470 3.76% 换 3.44% 市值 794亿 市净 -1260 | | | 器口 | | 盘前 408.000 +36.240 +9.75% | 美东 07:13 √ | | | | 日K II ▼ 五日 | 中文 周K 月K | | | | 暨加 | 均价:410.861 | | | | 11 909 | 11.60% 卖一 408.580 | 7 | | | | 买一 406.500 | 28 | | | | 15:59 372.140 | 531 | | | | 15:59 372.251 | 100 | | | 371.760 | 0.00% 15:59 ...

Core Viewpoint - The article discusses the challenges faced by individual investors in allocating their year-end bonuses amidst rising stock and gold prices, while banks are actively launching specialized financial products to attract these funds [1] Group 1: Market Trends - Since 2026, gold prices have significantly increased, with the Shanghai Composite Index rising by 4.82% and the Hang Seng Index by 8.17% within the year [6] - The total scale of the national wealth management market reached 33.29 trillion yuan by the end of 2025, growing by over 3 trillion yuan from the beginning of the year [6] Group 2: Bank Initiatives - Major state-owned banks and various commercial banks have launched year-end bonus exclusive financial products, focusing on low-risk, flexible-term options to cater to investors' needs [2][3] - The products include short-term and medium-term options, with some banks offering annualized returns exceeding 4% for short-term investments [2][3] Group 3: Product Features - Banks are emphasizing low initial investment amounts and a variety of strategies, with many products starting at 1 yuan and offering annualized returns around 3% to 4% [3][5] - The marketing strategies have shifted from product-centric to configuration-oriented, integrating various financial tools to better meet customer needs [5] Group 4: Customer Engagement - Some banks are implementing incentive mechanisms to enhance the retention of year-end bonus funds, such as cash rewards for increasing average monthly assets [4] - The focus is on providing a one-stop management solution for year-end bonuses, combining wealth management, insurance, and investment products [5]

Core Viewpoint - The establishment of AIA Asset Management and Aegon Asset Management in Shanghai marks a significant step in the city's financial opening and development as an international financial center [1][2]. Group 1: Company Establishment - AIA Asset Management and Aegon Asset Management are the first foreign-owned insurance asset management companies to open in Shanghai [1]. - The opening ceremony was attended by Shanghai's Deputy Mayor Wu Wei, highlighting the importance of this event in the context of Shanghai's financial development [1]. Group 2: Foreign Investment and Market Confidence - AIA Group's establishment of the asset management company reflects its long-term commitment to the Chinese market, while Aegon Group expresses confidence in China's growth opportunities [2]. - The rapid establishment of these companies within six months demonstrates China's determination for financial openness and has bolstered foreign investors' confidence in sustainable investments in China [2][3]. Group 3: Regulatory Support and Market Growth - The approval process for both companies was completed in just six months, showcasing the efficiency of Chinese regulatory bodies [2][3]. - The asset management market in China has seen an average annual growth rate of approximately 8% over the past five years, making it the second-largest asset and wealth management market globally [3]. Group 4: Future Business Focus - AIA Asset Management plans to transition existing investment capabilities from AIA Life Insurance and aims to innovate in financial products and strategies [5][6]. - Aegon Asset Management intends to deepen its presence in the Chinese market and may establish a holding company to consolidate various financial licenses in the Greater China region [6].

本文字数：1556，阅读时长大约3分钟 作者 |第一财经 秦新安 2026.01.28 报道提到，许多投资者最初是通过小红书、抖音等社交平台接触到杰我睿的。平台上"免工费""积分奖 励"等信息，对很多原本风险偏好不强的用户形成强烈吸引。用户往往从首饰购买、旧金回收等相对简 单的实物交易开始，在平台上的高收益例子和社群氛围持续引导下，逐步陷入高杠杆的预定价交易场 景。 此类情形似曾相识。回顾近年来的多起涉众型金融风险事件，社交平台的身影频频出现。例如，此前一 些P2P、网络炒汇、虚拟货币交易平台等，也主要借由微博、微信、小红书、抖音、快手等社交平台进 行获客做大。在这些案例中，风险往往经由社交平台的流量放大和信任背书得以快速传播和渗透，最终 酿成问题。 这揭示出一个新的趋势——社交平台上的用户信息传播，乃至相关交易平台的主动营销推广，已成为当 下金融风险产生、积聚和爆发的重要链条。无论是交易平台投放的广告、推广内容，还是用户自发分享 的"投资心得"，在缺乏有效过滤和风险提示的情况下，都可能成为诱导非专业投资者进入高风险领域的 诱饵。此时的社交平台，在有意无意当中，充当了金融风险的"推手"或"放大器"。 这一新情 ...