金融监管总局网站6月20日消息，金融监管总局对《商业银行市场风险管理指引》进行了修 订，形成《商业银行市场风险管理办法》（下称《办法》）。 本次修订后，《办法》不再包含银行账簿利率风险，而是聚焦于利率、汇率、股票价格、商 品价格发生不利变动引发银行损益波动的风险。 细化市场风险管理要求。 要求银行对市场风险进行全流程管理，细化风险识别、计量、监 测、控制和报告要求。完善内部模型定义以及模型管理、压力测试要求，匹配当前市场风险 计量框架和管理实践。 《办法》要求，商业银行应当制定适用于整个银行机构的、正式的书面市场风险管理政策和 程序。市场风险管理政策和程序应当与银行的业务性质、规模、复杂程度和风险特征相适 应，与其总体业务发展战略、管理能力、资本实力和能够承担的总体风险水平相一致，并符 合国家金融监督管理总局关于市场风险管理的有关要求。 明确市场风险定义 《办法》明确， 市场风险是指因市场价格（利率、汇率、股票价格和商品价格）的不利变动 而使商业银行表内和表外业务发生损失的风险。 市场风险存在于银行的交易和非交易业务 中。 对于市场风险定义的调整，该负责人介绍，银行账簿利率风险产生原因、表现形式、管理与 计量 ...

6月20日，针对近期舆论关注的广汽埃安员工持股争议、供应商账期政策、自主品牌发展路径等热点问 题，广汽集团董事长、总经理冯兴亚出面逐一回应。 广汽与"爆雷"毫无关系 针对网络流传的"广汽埃安高管可提前全额退股"的说法，冯兴亚明确表示："不存在这种可能。" 冯兴亚详细解释，2022年广汽埃安启动混改并推行员工持股计划时，已对所有参与员工（包括管理层与 普通员工）明确约定5年锁定期，至2027年届满。锁定期内若员工离职，需按上一年埃安净资产值退还 本金，规则对全体员工一视同仁。 谈及埃安上市计划，冯兴亚坦言，受2024年新能源市场环境变化及资本市场IPO形势影响，当前并非最 佳上市时机。"我们的核心任务是做大埃安估值，未来资本运作形式可能包括上市、集团收购等；员工 退出渠道也将多元化，如分红、股权交易等。"他透露，广汽集团近期已与参与持股的员工深入沟通， 目前员工支付利息和本金无压力；确有困难者，公司将对其提供帮助。 针对"爆雷"等传闻，冯兴亚以数据回应："广汽集团2024年资产负债率仅47.6%，是中国汽车行业财务结 构最好的企业之一。可以肯定地说，无论是广汽集团，还是广汽埃安，都跟'爆雷'毫无关系。" 冯兴亚 ...

当地时间周五，受美联储理事沃勒鸽派发言影响，美股一度走高，随后有所回落，最终三大 指数中仅道指收涨。本周，道指涨0.02%，标普500指数跌0.15%，纳指涨0.21%。 对于降息问题，美联储官员之间尚存分歧。美联储理事沃勒表示，美联储或许最早在7月会议 上就可能降息。里士满联储主席托马斯·巴尔金则称，美联储当下没有急于降息的必要，因为 关税对通胀的风险仍未显现，且就业市场和消费者支出仍表现稳定。 当地时间周五，美联储发布向美国国会提交的半年度货币政策报告。报告表示，美国通胀率 略有上升，劳动力市场状况稳健，但暗示特朗普的关税影响可能才刚刚开始显现，并重申美 联储将等待更多明朗情况后再采取行动的观点。 中概股多数下跌，纳斯达克中国金龙指数跌0.92%。热门中概股方面，脑再生跌40%，联掌门户跌超 22%，涂鸦智能跌逾6%，小马智行跌超6%，富途控股跌逾6%。涨幅方面，大猩猩科技涨超34%，逸仙 电商涨逾3%，唯品会涨超1%。 美联储发布半年度货币政策报告 当地时间周五，美联储发布向美国国会提交的半年度货币政策报告。每年发布两次的货币政策报告通常 总结美联储观察者和市场参与者已经熟知的话题。报告表示，美国通胀率 ...

Core Viewpoint - Huawei's Pangu model has made significant advancements in various industries, demonstrating its capabilities in over 30 industries and 500 scenarios, with the latest Pangu model 5.5 set to enhance natural language processing and multimodal applications [1][4]. Group 1: Pangu Model Developments - The Pangu model has been successfully implemented in sectors such as government, finance, manufacturing, healthcare, coal mining, steel, railways, autonomous driving, and meteorology, showcasing its transformative impact [1]. - Huawei introduced the Pangu Ultra MoE model with a parameter scale of 718 billion, marking a significant leap in the training of ultra-large-scale models on the Ascend AI computing platform [1][2]. Group 2: Technical Innovations - The Pangu team has innovated in model architecture and training methods, achieving stable training of the ultra-large MoE model on the Ascend platform, utilizing over 18TB of data [2]. - Key innovations include the Depth-Scaled Sandwich-Norm (DSSN) architecture and TinyInit initialization method, which enhance stability and load balancing among experts [2][3]. Group 3: Performance Enhancements - The recent upgrades to the training system have improved the efficiency of the pre-training process, increasing the performance of the model from 30% to 41% in the multi-card cluster pre-training [3]. - The Pangu Pro MoE model, with 72 billion parameters and 16 billion active parameters, has demonstrated performance comparable to models with over 100 billion parameters, ranking first among domestic models under 100 billion parameters [3]. Group 4: HarmonyOS Developments - Huawei unveiled HarmonyOS 6, which aims to enhance user experience with lower latency and improved AI capabilities, marking a significant step in the evolution of the Harmony ecosystem [4]. - The Harmony ecosystem is entering a new phase of acceleration, with over 30,000 applications and services in development across nearly 20 industries, highlighting a significant demand for talent in this area [5].

Core Viewpoint - The article discusses the controversy surrounding Ctrip's "Price Adjustment Assistant" feature, which allows the platform to unilaterally change hotel room prices without merchant consent, leading to significant concerns among hotel operators about their pricing autonomy and market position [1][3][11]. Group 1: Price Adjustment Assistant Functionality - Ctrip's "Price Adjustment Assistant" is an automated pricing tool that monitors competitors' hotel prices and adjusts Ctrip's prices accordingly, often without merchant approval [1][3]. - Merchants report that Ctrip can change promotional activities and pricing without their consent, leading to a situation where they feel powerless to resist these changes [3][4]. - The tool is perceived as a form of "forced pricing," as it automatically lowers hotel prices to maintain a competitive edge, which can severely impact the profit margins of hotel operators [3][4][11]. Group 2: Market Position and Merchant Dilemma - Ctrip holds a dominant market share in the OTA sector, exceeding 50% in 2021 and projected to maintain over 56% in 2024, which contributes to the power imbalance between the platform and hotel operators [6][11]. - Many merchants feel trapped in a "cannot exit" situation due to their reliance on Ctrip for customer traffic, despite the adverse effects of the pricing adjustments [6][7]. - The withdrawal process from Ctrip's platform is described as cumbersome, with merchants facing repeated reactivations of the Price Adjustment Assistant even after attempting to opt-out [8][11]. Group 3: Industry Competition and Regulatory Concerns - The article highlights the increasing "involution" within the hotel industry, where major platforms like Ctrip, Meituan, and JD.com are aggressively competing, often at the expense of smaller merchants [10][11]. - Experts suggest that Ctrip's practices may constitute an abuse of market dominance, potentially violating antitrust laws, although the online travel sector has not yet been a primary focus of regulatory scrutiny [11][12]. - The need for merchants to gather evidence and advocate for their rights is emphasized as a way to prompt regulatory attention and action against unfair practices [11].

今日，A股三大指数调整。截至收盘，上证指数跌0.07%，深证成指跌0.47%，创业板指跌0.84%。全市 场成交额10916亿元。 本周，上证指数累计下跌0.51%，深证成指跌1.16%，创业板指跌1.66%。 今日13:15，蚂蚁数科在其微信公众号上发表声明称，注意到市场上有关于蚂蚁数科与海南华铁就RWA 及稳定币探讨合作的消息，引发市场关注。 公司特此澄清，双方仅就RWA进行了非常初步的、探索性 的交流，未达成任何形式的正式合作协议、商业安排或实质性项目落地。 从盘面上看，保险、银行等大金融板块今日盘中走强，浦发银行（600000）、杭州银行、农业银行、交 通银行、南京银行、邮储银行、中信银行、光大银行、江苏银行等多只银行股股价创历史新高。 港口航运板块今日表现活跃。 截至收盘，宁波海运、兴通股份涨停。 可燃冰、脑机接口、油气开采板块今日调整 ，新锦动力、爱朋医疗、科力股份等人气股跌幅居前。 楚天龙尾盘上演"地天板" 数字货币概念股楚天龙，早盘一度触及跌停，尾盘上演"地天板"。 楚天龙今日成交额超30亿元，换手 率超31%，涨停板封单金额超7385万元。楚天龙因此冲上东方财富股吧A股市场人气排名第1名。 ...

Core Viewpoint - Recent adjustments in service fees by multiple banks have sparked widespread market attention, with changes affecting various services such as credit verification, annual fees for bank cards, ATM cross-bank withdrawals, and cross-border wealth management [1][9]. Summary by Relevant Sections Service Fee Adjustments - Uuhai Bank has announced service fees for credit verification and syndicate loan services starting June 13, with personal deposit verification costing 20 yuan per piece and unit credit verification costing 200 yuan per piece [1]. - Suzhou Bank will introduce a new service fee for its "Respect Card," with the white card costing 588 yuan per card per year, effective from September 10, 2025 [3][5]. - Lujiang Rural Commercial Bank will start charging a fee of 3.3 yuan per transaction for ATM cross-bank withdrawals from September 1, reversing its previous policy of waiving such fees [6]. - Bank of China will adjust several service fees related to credit card settlements starting June 10, 2025, including changes to cash withdrawal fees based on a percentage of the withdrawal amount [7]. Reasons for Fee Adjustments - Many banks cite the need to enhance service quality, strengthen risk management, and cover operational costs as reasons for the fee adjustments. The traditional interest income has narrowed, prompting banks to seek additional revenue through intermediary services [9]. - The first quarter performance report indicates that only Postal Savings Bank and Bank of China saw a year-on-year increase in net commission income, while other major banks experienced declines [9]. Consumer Impact and Market Reactions - The changes in service fees directly affect consumer interests, with many consumers considering fees as a significant factor when choosing banking services [11]. - Experts suggest that consumers can express their dissatisfaction with fees that lack substantial added value by switching banks [12]. - The adjustments also require banks to improve customer experience management and communication regarding the rationale behind the fees [13]. Future Considerations - There is speculation about potential future changes in service fees, such as SMS notification fees and account management fees, which consumers should monitor closely [14].

最近，国际现货黄金价格"跌跌不休"。 中国外汇投资研究院研究总监李钢认为， 目前国际黄金价格处于3500美元遇阻承压回落调整阶段，长 期上涨趋势并未改变 ，预计年内突破3500美元概率较高。值得一提的是，中国、越南、印度等新兴市 场国家官方增持黄金也是金价维稳的关键。 欧洲中央银行近日发布的报告指出， 黄金供给的变化是未来金价走势的重要变量 。以往经验表明，黄 金供给曾对需求上升做出弹性反应，未来官方部门的黄金储备需求若进一步上升，可能会带动全球黄金 供给进一步增加。 国内各品牌金饰价格也随之波动， 金饰克价4天跌15元~19元不等 。其中，周生生足金饰品价格呈现出 5天4跌态势。6月15日-20日周生生足金饰品克单价分别为1038元、1037元、1024元、1023元、1023元、 1020元，6月20日较15日每克下跌18元。 此外，老庙黄金为1012元/克，较16日下跌19元/克；周大福为1020元/克，较16日下跌15元/克；老凤祥 为1018元/克，较16日下跌17元/克。 | EASIX | | | | | --- | --- | --- | --- | | 避险抗通胀,长期配黄金 | | | | ...

该乐园主要包括八大区域 ，分别是奇趣积木城、乐高城市、乐高好朋友、乐高悟空小侠、乐高幻影忍 者、乐高城堡、乐高乐园创想世界，以及酒店区。园内有超75个互动骑乘设施、表演和玩乐景点，以及 由超8500万块积木拼搭出的数千个乐高模型。 这当中，乐高悟空小侠主题区为全球首发，灵感主要源自《西游记》，主题区内有花果山神秘船游、悟 空小侠云霄历险、龙小骄之玉龙神力等项目。乐高城市主题区为经典主题区，内有驾驶学校、海岸警卫 学院、救援学院、城市火车站、乐高城市机场等6个骑乘项目。 6月20日，上海乐高乐园正式开启公众试运营。 上海乐高乐园度假区表示，公众试运营阶段，主要是迎接之前购买了开园限量年卡或酒店套餐的游客及 相关专业人士"挑刺"。 试运营测试时期，上海乐高乐园将根据各界人士的反馈，定期不定期地进行闭 园整改优化 。 官方小程序显示，上海乐高乐园开园限量纪念年卡（含试运营门票）价格1399元起，开园限量酒店套餐 （含试运营门票）为3588元起。 上海乐高乐园官方APP显示，6月20日至22日开园时间为上午10点到晚上7点，23到24日两日闭园后，25 日到30日会再次开园，但运营时间会有所不同。7月1日至4日则为闭 ...

6月19日，微信安全中心发布《针对"清退回款"类诈骗行为的打击公告》称，近期收到用户投诉， 有不 法分子冒充官方机构发布退款通知，声称可退还前期缴纳的费用，诱导用户联系虚假客服，以购买理财 产品返款或资金账户被冻结等借口实施诈骗 。 为保护用户的合法权益，依据国家相关法律法规及《腾讯微信软件许可及服务协议》《微信个人账号使 用规范》等平台各项规范， 上述行为一经发现核实，平台将进行相应的处罚，对于多次违规者，将加 重处罚 。 | 部分违规账号公示 | | | --- | --- | | 用户名 | 昵称 | | Lum*******810 | 李*图 | | Mia********811 | 半*冰 | | liu*******102 | Ne***情 | | LYD*******418 | 杨* | | lhh*******965 | 雨* | | Gio*******ivi | ■*^ | | Zha*******384 | 张* | | l13*******787 | l*n | | ZXd*******450 | X***赵 | | lil******192 | 知***E | | Tw0****** ...