Core Viewpoint - The approval of Gao Chenyang's appointment as the Vice President of the Zhoushan Branch of CITIC Bank has been granted by the Shaoxing Financial Regulatory Bureau, emphasizing the importance of compliance with financial regulations and the necessity for continuous learning in economic and financial laws [1] Group 1 - The Shaoxing Financial Regulatory Bureau has approved Gao Chenyang's qualification for the position of Vice President at CITIC Bank's Zhoushan Branch [1] - CITIC Bank's Zhoushan Branch is required to ensure that the approved personnel comply with relevant regulatory requirements and report their appointment status within three months [1] - The bank must encourage the approved personnel to continuously learn and understand economic and financial laws, maintain risk compliance awareness, and be familiar with their job responsibilities [1]

Core Viewpoint - Haier Pakistan is accelerating its high-end transformation with the launch of new washing machines, including the three-tub washing machine and L+ washing machine, aimed at enhancing the local market experience and meeting high-end washing needs [1][8]. Product Launch - The three-tub washing machine features a unique "one machine, three tubs" design, allowing for separate washing of different types of clothing, which helps prevent cross-contamination and saves approximately 50% of washing time [1][3]. - The L+ washing machine is designed for large capacity and efficient washing, equipped with a 607mm drum diameter and AI technology to automatically identify fabric types and humidity, addressing challenges during rainy seasons [3][8]. Market Strategy - The introduction of these high-end products is part of Haier Pakistan's "one line, two ends" strategy, which includes adjusting product structure and expanding the full-automatic product series while upgrading semi-automatic products [7][8]. - Haier aims to increase its market share, with a target of 44% growth by 2025, and has maintained the top position in the local white goods market for ten consecutive years [8]. Customer Engagement - The event featured interactive experiences, including a cricket-themed game that allowed attendees to experience the advantages of the three-tub washing machine, which garnered significant attention and recognition from participants [5][8].

Core Viewpoint - The euro to US dollar exchange rate is experiencing fluctuations influenced by various factors, including European Central Bank policies, the economic recovery in the Eurozone, and the monetary policy dynamics with the Federal Reserve, leading to divergent market predictions for 2026 [1][2]. Group 1: Euro to US Dollar Exchange Rate Trends - As of January 12, 2026, the euro to US dollar exchange rate is reported at 1.1659, showing slight fluctuations from the previous trading day [1]. - In 2025, the euro to US dollar exchange rate exhibited a "volatile upward trend followed by stabilization," with an annual fluctuation range primarily between 1.15 and 1.19, and a year-end closing at 1.1734, indicating a significant improvement compared to 2024 [1]. - Key supporting factors for the euro include a gradual decline in Eurozone inflation towards the European Central Bank's 2% target and the implementation of fiscal expansion policies in some member countries, boosting economic recovery confidence [1]. Group 2: Central Bank Policy Divergence - Recent policy divergence between the Federal Reserve and the European Central Bank has intensified market volatility, with the Federal Reserve lowering interest rates by 25 basis points in December 2025, amidst internal disagreements on future rate changes [2]. - The European Central Bank faces mixed market expectations, with some institutions anticipating potential rate hikes due to hawkish comments from officials, while Morgan Stanley predicts a 50 basis point cut by mid-2026 [2]. - Forecasts for the euro to US dollar exchange rate in 2026 show significant divergence, with optimistic projections suggesting a rise to 1.30 or 1.23, while cautious views predict a decline to 1.08 or an average of 1.15 in the third quarter [2]. Group 3: Risks to Euro Performance - The economic recovery in the Eurozone remains fragile, with persistent export weaknesses and debt risks in some member countries potentially hindering euro performance [3]. - Increased uncertainty regarding Federal Reserve policies could lead to a rebound in the dollar if rate cuts are delayed or adjusted due to political pressures, which may suppress the euro's value [3]. - Internal policy disagreements within the European Central Bank and international geopolitical changes could further exacerbate exchange rate volatility [3].

2026年1月9日，福建海峡银行发布公告称，根据中国人民银行《大额存单管理暂行办法》（中国人民银 行公告[2015]第13号），福建海峡银行于2026年1月12日-2026年1月31日发行2026年第七期大额存单，发 行对象为个人客户（福建地区），期限为1个月，利率为1.45%，认购起点金额为20万元。 详询福建海峡银行各营业网点或客服电话400-893-9999。 大额存单属一般性存款，纳入存款保险范围，保本保息。 ...

Core Viewpoint - Zhejiang Zheshang Bank (601916) announced a scheduled maintenance of its computer system from January 20, 2026, 00:00 to 03:30, which will affect various electronic banking services [1] Group 1: Service Impact - During the maintenance period, online banking, mobile banking, WeChat banking, and other electronic channels will experience service interruptions [1] - Services affected include ATM cash withdrawals, POS transactions, personal debit and credit card operations, interbank transfers, and various self-service functions [1] - Notifications sent via SMS or mobile banking app may experience delays during this time [1] Group 2: Customer Support - The bank will strive to minimize the downtime and encourages customers to contact its 24-hour customer service hotline at 95527 for any inquiries during the maintenance [1] - The bank apologizes for any inconvenience caused by the service interruptions [1]

感谢一直以来对中国工商银行的信赖与支持！ 上述安排给您带来不便，敬请谅解。如有疑问，请致电或发送短信至95588进行咨询。 2026年1月9日，中国工商银行（601398）发布公告称，2026年中国人民银行共安排支付清算系统维护6 次，分别于3月22日、4月19日、6月14日、7月19日、9月13日、11月15日00:00开始，6:00前结束。系统 维护期间，中国人民银行小额支付系统、网上支付跨行清算系统停止服务。届时中国工商银行将暂停受 理跨行小额支付业务和网上跨行支付业务。 ...

与此同时，欧洲地缘安全议题同样引发市场关注。英国和德国正讨论在格陵兰地区加强军事存在，以显 示其对北极安全问题的重视。 摘要周一（1月12日）亚市早盘，贵金属价格飙升，黄金与白银携手刷新历史纪录，现货黄金首次站上 4600美元大关，新年首月累涨280美元，现货白银超越前两周高点创下历史新高，日内涨幅一度接近 5%，距离84美元关口仅一步之遥。 周一（1月12日）亚市早盘，贵金属价格飙升，黄金与白银携手刷新历史纪录，非农疲软、伊朗局势升 温、美联储主席遭司法威胁、美元走软等多重因素共振，推动避险资产疯狂上涨。 现货黄金高开高走，现货黄金首次站上4600美元大关，新年首月累涨280美元，现货白银超越前两周高 点创下历史新高，日内涨幅一度接近5%，距离84美元关口仅一步之遥。现货铂金涨超3.00%，触及2382 美元高位，现货钯金日内涨超4.00%，现报1891.70美元/盎司。 近期美伊紧张关系骤然升级，对全球市场构成冲击。一方面，伊朗国内因经济危机爆发大规模抗议，局 势动荡；另一方面，美国总统特朗普公开威胁可能采取军事等方式进行干预，以支持抗议者。 1月11日据知情官员透露，美国哥伦比亚特区联邦检察官办公室已对 ...

二、恒丰银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自恒丰银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、恒丰银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 2026年1月7日，重庆金融监管局发布批复称，《恒丰银行股份有限公司关于核准梅学行长助理任职资格 的请示》（恒银报〔2025〕424号）收悉。经审核，现批复如下： 一、核准梅学恒丰银行股份有限公司重庆分行行长助理的任职资格。 ...

更值得关注的是，黄金已不再单纯依赖美联储降息逻辑，而是进入"信仰驱动"的更高阶段：只要全球秩 序的不确定性未消，黄金的配置价值便不会下降。2026年的黄金行情，本质上已超越传统宏观交易范 畴，成为一场对"旧世界秩序信任度"的集体投票。 只要伊朗骚乱、格陵兰争议、关税大棒、美元武器化等任一维度持续发酵，黄金便难现系统性顶部。 5000美元或许不再是天花板，而只是下一个心理关口。 本周市场还需重点关注：周二将公布美国12月CPI报告，周三将发布10月及11月PPI数据，以及被称 为"恐怖数据"的11月零售销售数据;同时，地缘局势相关消息也需持续跟踪。 【最新伦敦金行情解析】 从黄金日线走势来看，当前呈现强势多头反转形态，近5个交易日录得6阳1阴，三连阳走势不仅完全覆 盖12月29日大阴线的跌幅，更确认了涨势重启信号，后市多头动能将持续释放，新高突破是核心主线。 摘要今日周一(1月12日)亚盘时段，伦敦金目前交投于1031元/克附近，截至发稿，伦敦金最新报1025.74 元/克，涨幅1.39%，最高上探至1031.87元/克，最低触及1011.21元/克。目前来看，伦敦金短线偏向看涨 走势。 今日周一(1月12日) ...

Group 1 - The recent U.S. employment data showed a decrease in the unemployment rate from 4.5% in November to 4.4% in December, despite non-farm payrolls increasing by only 50,000, which was below the expected 60,000 [1] - The employment growth in 2025 was reported at 584,000, averaging 49,000 per month, which is significantly lower than the 2 million increase in 2024, marking the weakest growth since 2020 [1] - The probability of a rate cut by the Federal Reserve in January dropped from 11.6% to 4.8%, indicating that most traders expect the Fed to maintain current rates, with a potential rate cut not likely until April or June [1] Group 2 - The market anticipates that the Federal Reserve's future interest rate decisions will depend on the performance of the labor market in the coming months, with concerns about inflation remaining above target levels potentially limiting further monetary easing [2] - The silver TD price experienced a significant increase, ending a two-day decline, with strong bullish momentum indicated by the MACD and DMI signals, while caution is advised for potential pullbacks [3] - Key support levels for silver TD are noted between 18,000 and 18,500, while resistance levels are identified between 20,000 and 25,000 [3]