Core Viewpoint - The personal insurance product predetermined interest rates will be adjusted downwards for the first time since the establishment of the mechanism linking predetermined rates to market rates and dynamic adjustments [1][3][12]. Group 1: Predetermined Interest Rate Adjustments - The current research value for ordinary personal insurance products' predetermined interest rate is 1.99% [4][5]. - The maximum predetermined interest rates for various insurance products will be adjusted: ordinary insurance products to 2.0%, participating insurance products to 1.75%, and universal insurance products to a minimum guaranteed rate of 1.0% [2][12]. - Multiple insurance companies will stop accepting applications for insurance products with rates exceeding the new maximum predetermined rates starting from August 31 [3][12]. Group 2: Market Expectations and Historical Context - The adjustment of the ordinary personal insurance product predetermined interest rate was anticipated by the market, with several brokerages predicting a value below 2% [6]. - The China Insurance Industry Association previously disclosed that the research values for ordinary personal insurance products were 2.34% in January and 2.13% in April of this year [10]. Group 3: Regulatory Framework - In January, the National Financial Regulatory Administration issued a notice to establish a mechanism linking predetermined interest rates to market rates [7]. - The China Insurance Industry Association is responsible for regularly organizing meetings to assess the predetermined interest rates based on various market interest rates [8][9]. Group 4: Industry Challenges and Responses - Experts indicate that the continuous decline in mid-to-long-term interest rates and the impact of new accounting standards present new challenges for the industry [14]. - Insurance companies are encouraged to enhance market sensitivity, improve operational capabilities, and adapt to economic conditions and industry trends [14].

Core Viewpoint - The article highlights the serious issue of excessive phthalate plasticizers in children's shoes, particularly in low-cost products sold on e-commerce platforms, raising concerns about child safety and regulatory oversight [1][2][4]. Group 1: Investigation Findings - A survey conducted by the Shenzhen Zero Waste Environmental Public Welfare Development Center found that 50% of the 50 sampled PVC children's sandals exceeded phthalate limits, with an average excess of 365 times and a maximum of 509 times [5]. - A specific model, the "T16" children's shoe, was found to contain 38.016% phthalate, significantly exceeding the national standard limit of 0.1% by approximately 380 times [5][6]. - Many of the non-compliant products were sold by a trading company that continued to sell outdated stock, highlighting a gap in product recall and market regulation [6]. Group 2: Regulatory Actions - The implementation of the mandatory national standard "Children's Shoe Safety Technical Specification" (GB 30585—2024) on June 1, 2023, has tightened regulations on phthalate content, changing the limit from not exceeding 0.1% to less than 0.1% [7]. - Regulatory bodies are increasing inspection frequency and scope, conducting special rectification efforts, and enforcing strict compliance to enhance quality safety awareness among manufacturers [16]. Group 3: Market Dynamics - The average price of compliant samples was 37 yuan, while non-compliant samples averaged 16 yuan, indicating a significant price disparity that incentivizes manufacturers to cut costs by using cheaper, harmful materials [10]. - Many manufacturers opt for phthalate plasticizers due to their lower cost compared to environmentally friendly alternatives, which can increase production costs by approximately 0.3 yuan per pair [10][9]. Group 4: E-commerce Platform Responsibilities - E-commerce platforms are legally obligated to ensure the quality and safety of products sold, but many sellers exploit loopholes by submitting false compliance reports [11][12]. - A significant portion of non-compliant products (80%) lacked proper labeling, which complicates regulatory oversight and allows substandard products to enter the market [12]. Group 5: Consumer Awareness and Recommendations - Consumers are advised to be cautious of children's plastic shoes priced below 11 yuan for EVA material and 7 yuan for PVC material, as these prices may indicate compromised quality [18]. - It is recommended that consumers choose reputable sellers and request inspection reports to safeguard against purchasing non-compliant products [18].

Core Viewpoint - Yushu Technology has unveiled its new humanoid robot, Unitree R1, priced starting at 39,900 yuan, featuring 26 joints and a weight of approximately 25 kg, integrating multimodal AI capabilities for development and customization [3][8]. Product Launch - The Unitree R1 was officially announced on July 25, following a teaser in May that hinted at a humanoid robot with 26 degrees of freedom [6][3]. - The robot is designed for performance, showcasing skills such as somersaults, boxing, and martial arts, emphasizing the importance of movement diversity for practical applications [8]. Market Position - Yushu Technology has released two humanoid robots, H1 and G1, with G1 previously attracting attention due to its high starting price of 99,000 yuan. The introduction of R1 at a lower price point is expected to disrupt the humanoid robot market [8]. Order Demand - The company has reported strong order demand, benefiting from the growing interest in humanoid robots and supportive national policies. Many companies in the sector are experiencing high order volumes [9]. - Yushu Technology recently secured a significant contract with China Mobile for humanoid robot manufacturing, with a budget of 78 million yuan for full-size robots and 46.05 million yuan for smaller models [9]. IPO Progress - Yushu Technology is progressing towards an IPO, having completed the counseling registration with the Zhejiang Securities Regulatory Bureau. The company is expected to submit its IPO application as early as October 2023 [10][11]. - The company is classified under the manufacturing sectors of computer, communication, and other electronic devices, as well as general equipment manufacturing [11].

7月23日，微信视频创作安全中心官方账号发布关于开展微信视频号直播"团播低俗内容治理专项"的公 告。公告称： 4、严禁穿着过分暴露的服饰，且不得通过衣着刻意制造性暗示效果。包括但不限于：女仆装、衣领过 低导致胸部大面积裸露、撕裂或破洞丝袜。 5、严禁穿着存在走光风险的服饰，或做出具有走光风险的行为举止，包括但不限于：使用镜面反光地 板映照下身、故意张开双腿导致私密部位暴露、下装过短导致走光。 6、严禁在可能存在安全隐患，或影响公共秩序的空间进行直播，包括但不限于：拥挤杂乱的场地、光 线过于昏暗、存在安全隐患的公共区域（如消防通道、走廊、楼梯间）。 如果你在观看视频号直播的过程中，发现相关的违规行为，可通过【直播间右上角"分享"按钮→投诉】 路径进行投诉，平台将会第一时间核实处理。 来源： 微信视频创作安全中心微信公众号 近期平台巡查发现，部分多人直播（团播）存在不同程度的低俗违规行为，具体表现为：涉及引人联想 的低俗玩法、着装暴露、刻意做出不雅动作等。上述行为可能存在违背社会公序良俗的问题，破坏了平 台健康清朗的生态环境，违反《微信视频号运营规范》《微信视频号直播行为规范》的要求。根据规 则，平台对团播中存在 ...

7月24日，知名带货主播 李佳琦在直播中表示： "最近看到不少关于铂爵旅拍履约难的问 题，对在直播间购买了铂爵旅拍产品但还没有完成拍摄的用户表达歉意，这种状况确实始料 未及。" 铂爵旅拍 图/官网截图 7月19日， 铂爵旅拍发布关于近期市场传闻的郑重声明，其中提到：为了优化经营模式，减 负前行，我司决策缩减旅拍业务，关停部分亏损门店，并进行组织优化。我司旅拍、跟拍、 写真等业务板块平稳运营。 此外，李佳琦也在直播间宣布 三种赔付方案， 对于已核销未拍摄的用户，李佳琦直播间将先 行赔付退款；对于已核销已拍摄但未取得底片的用户，直播间将发放一定金额关怀金，并协 助用户拿到底片；对于未核销的用户，建议用户尽快联系平台退款，直播间客服也将提供售 后沟通协助支持。 近日，多位消费者在社交媒体上表示，在铂爵旅拍购买服务后遭遇商品未交付、定金难退还 等问题。有消费者称2024年5月在购物直播间下单的婚纱照套餐部分商品至今未收到，另有 消费者表示2025年支付定金后未使用任何服务，定金退款事宜仍无进展。 来源：九派新闻、潇湘晨报、中新经纬 关注" 新华网财经 "视频号 更多财经资讯等你来看 往期推荐 紧急通知公积金调整失败？ ...

据比亚迪新闻打假办公室微博消息：我们已关注到成都天府机场的事件，经核实： 该车的刹 车系统功能正常，事件与车辆本身无关。车辆由车主自行安全停靠，未造成任何碰撞事故和 人员伤亡。 来源：财联社 我们已对网络谣言全面取证，并敦促发布谣言的媒体及网络用户尽快删除不实信息。比亚迪 将采取诉讼等法律途径向造谣及传播网络谣言的相关媒体及网络用户追责。 网络不是法外之地，诚挚呼吁广大网友们，不造谣、不传谣，共同建设文明和谐健康向上的 网络环境。 关注" 新华网财经 "视频号 更多财经资讯等你来看 往期推荐 紧急通知公积金调整失败？官方回应 暴涨超50%！创历史同期新高，一路生花！ ...

Market Performance - On July 24, U.S. stock indices showed mixed results, with the S&P 500 rising by 0.07% and the Nasdaq increasing by 0.18%, both reaching historical highs [1][4] - The Dow Jones Industrial Average fell by 0.7% on the same day [4] Tesla's Financial Results - Tesla's stock dropped over 8%, resulting in a market value loss exceeding $87 billion, approximately 62.24 billion RMB [1][6] - For Q2, Tesla reported revenue of $22.496 billion, a year-on-year decline of 12%, which was below Wall Street's expectation of $22.6 billion [7] - The net profit for the second quarter was $1.172 billion, down 20.7% year-on-year [7] Gold and Precious Metals - International precious metal futures generally declined, with London spot gold and COMEX gold futures falling by 0.55% and 0.77%, respectively, closing at $3,368.08 per ounce and $3,371.30 per ounce [2][12] - As of July 25, gold prices continued to decrease slightly, with London spot gold and COMEX gold futures down by 0.05% and 0.11% [12] Chinese Stocks and Market Outlook - The Nasdaq Golden Dragon China Index fell by 1.54%, with notable declines in stocks such as Qifu Technology (over 9%) and TAL Education (over 5%) [10] - Guangfa Securities indicated that the main constraints for U.S. stocks in the second half of the year include slowing domestic growth, while potential supports include a weaker dollar benefiting multinational companies and the impact of interest rate cuts on earnings and valuations [10] Oil Prices - International oil prices saw a slight increase, with U.S. crude futures and Brent crude futures rising by 0.14% and 1.03%, respectively, reaching $66.12 per barrel and $68.53 per barrel [14]

Core Viewpoint - The article highlights significant developments in various industries, including finance, gaming, and healthcare, showcasing growth opportunities and market dynamics. Macro News - The National Development and Reform Commission and the State Administration for Market Regulation are drafting a price law amendment to improve government pricing and clarify standards for price violations [4] - The Ministry of Commerce announced plans to enhance international consumer center cities, aiming to create a prosperous commercial environment [4] - The People's Bank of China and the Ministry of Agriculture and Rural Affairs issued guidelines to improve financial services in rural areas, focusing on enhancing financial literacy and credit systems [4] Market Highlights - In the first half of the year, China's gold production was 179.083 tons, a decrease of 0.31%, while consumption was 505.205 tons, down 3.54% [8] - The Swift report indicated that by June 2025, the RMB will rank as the sixth most active global payment currency, with a share of 2.88%, reflecting a 2.57% increase in payment amounts compared to May 2025 [9] - The first batch of Sci-Tech bond ETFs exceeded 100 billion yuan in scale within five trading days, reaching 1007.30 billion yuan, marking a growth of over 200% since launch [9] Company Dynamics - Minshida, a leading domestic aramid paper company, reported a revenue of 237 million yuan for the first half of 2025, a year-on-year increase of 27.91%, with a net profit of 63.03 million yuan, up 42.28% [6][11] - The domestic 3A game "Mingmo: Yuanshu Zhi Yu" launched on platforms like Steam, achieving estimated sales of 297,500 copies and revenue of approximately 14.8 million USD [7][11] - Tesla's Q2 revenue was 22.496 billion USD, a 12% year-on-year decline, with a net profit of 1.172 billion USD, down 16% [13] - NIO's registered capital increased from approximately 8.257 billion yuan to about 11.115 billion yuan, reflecting growth in the electric vehicle sector [14] - ByteDance's Seed team launched a new real-time translation model, enhancing capabilities in AI-driven language processing [14]

我国已连续多年成为全球最大的工业机器人应用市场。今年工业机器人生产企业有什么变化？订单情况 如何？ 广东深圳某工业机器人企业负责人 黄海荣：我们的订单已经排到今年11月份。 以往交付这条生产线需 要60天，现在30天就能达到交货周期，主要原因有整个工业机器人核心部件、算力和软件都是国产化。 广东佛山某工业机器人企业负责人 杨林： 我们的工业协作机器人，从1月份到现在， 销量同比增长 200%以上。 在广东佛山的一家工业机器人生产企业，一台台协作工业机器人挥动着机械臂，工人们正在调试这些即 将出厂的机器人。据了解， 新能源、船舶等新兴行业的快速发展，使得智能制造生产设备需求日益旺 盛。 最新数据显示，2025年1至6月中国工业机器人累计产量36.93万台，同比增长35.6%。 在广东深圳一家工业机器人生产企业，企业负责人黄海荣告诉记者，受益于国补政策对3C产品销量的 推动， 今年手机、电脑的迭代速度更快，所以3C行业对工业机器人生产设备的需求增长明显 ，跟以往 相比，生产线不仅交付周期更快，也需要更智能。 广东深圳市机器人协会专职秘书长 谭维佳： 中国是工业机器人最大的应用市场，以需求为引导，我们 也创新了很多 ...

央行7月24日公告称，将于25日以固定数量、利率招标、多重价位中标方式开展4000亿元中 期借贷便利（MLF）操作，期限为1年期。鉴于本月MLF到期量为3000亿元，此次操作实现 净投放1000亿元，已是连续第五个月加量续作。 | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | | Monetary Policy Department | 货币政策司 | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 法律法规 货币政策 | | | 宏观审慎 | 信贷政策 | 金融市场 | 全融稳定 | 调查统计 | 银行会计 | 支付体系 | | 金融科技 | 人民币 | | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 | | | 政务公开 服务互动 | 政策解读 | | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | 网上展厅 | 报告下载 | 报刊年鉴 | | 网送文告 | | 办事大 ...