中国人民银行授权全国银行间同业拆借中心公布， 2025年5月20日贷款市场报价利率 （LPR）为：1年期LPR为3.0%，5年期以上LPR为3.5%，均较上期下行10个基点。 人民银行行长潘功胜5月7日在国新办新闻发布会上宣布，下调政策利率0.1个百分点，预计将 带动贷款市场报价利率（LPR）同步下行约0.1个百分点。 5月8日，公开市场7天期逆回购操作利率从1.5%调降至1.4%，专家认为，此次LPR跟随下行 符合市场预期。 当前，社会融资成本处于历史低位。人民银行数据显示，4月份企业新发放贷款加权平均利率 约为3.2%，比上月低约4个基点，比上年同期低约50个基点；个人住房新发放贷款加权平均 利率约为3.1%，比上年同期低约55个基点。 专家认为，LPR下行将有效降低实体经济综合融资成本和居民购房成本。若按个人住房新发放 贷款加权平均利率约3.1%测算，以金额100万元、贷款期限30年、等额本息方式还款为例， 此次LPR下行将减少购房人总还款额约1.9万元。 4月份国民经济顶住压力稳定增长 芯片重磅！雷军官宣！ 今日，中国建设银行、招商银行等银行下调人民币存款利率，一年期定期存款利率为0.95%。 业内人 ...

中国建设银行 于5月20日下调了人民币存款利率，其中活期利率下调5个基点至0.05%；定期 整存整取三个月期、半年期、一年期、二年期均下调15个基点，分别为0.65%、0.85%、 0.95%、1.05%；三年期和五年期均下调25个基点，分别至1.25%和1.3%。定期零存整 取、整存零取、存本取息三种期限均下跌15个基点。7天期通知存款利率下调15个基点至 0.3% 中国工商银行 于5月20日下调人民币存款利率，其中活期利率下调5个基点至0.05%；定期整 存整取三个月期、半年期、一年期、二年期均下调15个基点，分别为0.65%、0.85%、 0.95%、1.05%；三年期和五年期均下调25个基点，分别至1.25%和1.3%。定期零存整 取、整存零取、存本取息三种期限均下跌15个基点。7天期通知存款利率下调15个基点至 0.3%。 | < | 存款利率 | 8 | | --- | --- | --- | | 存期 | | 年利率(%) | | 活期 | | | | 活期 | | 0.05 | | 整存整取 | | | | 三个月 | | 0.65 | | 非年 | | 0.85 | | 年 | | 0.95 ...

Core Viewpoint - The article emphasizes the importance of accelerating the high-quality development of the technology service industry in China, driven by innovation and market orientation, to support the integration of technological and industrial innovation [1][4][5]. Macro News - In April, China's national economy showed resilience against external shocks and internal challenges, with stable production demand and overall employment [3]. - The housing market in 70 major cities showed mixed results, with Shanghai and Dalian leading in price increases, while other major cities experienced slight declines [3]. - Tax incentives for technology innovation and manufacturing reached 424.1 billion yuan in the first quarter of 2025 [3]. Industry Developments - The Ministry of Industry and Information Technology and other departments issued an implementation opinion to promote comprehensive development in technology services, focusing on R&D, technology transfer, and other key areas [4][5]. - The railway sector reported a 3.6% year-on-year increase in cargo shipments, supporting domestic and international economic stability [5]. Market Highlights - H&H International Investment's total holdings decreased to approximately 12 billion USD by the end of Q1 2025 [7]. - Shanghai Rural Commercial Bank appointed a new deputy party secretary, indicating leadership changes within the banking sector [7]. - The market regulatory authority announced the first batch of institutions qualified for testing excessive packaging, highlighting a focus on sustainable practices [8]. Company News - The first personal computer using the Harmony operating system was launched, marking a significant breakthrough for domestic operating systems [12]. - Xiaomi announced a strategic product launch event, introducing new devices including a flagship smartphone and an SUV [12]. - CATL's stock saw a significant increase in the Hong Kong market ahead of its listing [8]. - ByteDance's AI earphone product received an upgrade, enhancing its functionality for English language learning [17][18].

鸿蒙正式亮相电脑端！中国国产操作系统实现关键性拓展 图为5月19日发布的装有鸿蒙操作系统的HUAWEI MateBook Pro。新华社记者 胥冰洁 摄 中国科技企业华为19日在成都正式发布两款鸿蒙电脑，这是鸿蒙操作系统首次在电脑端正式发布。 鸿 蒙操作系统是首个实现移动端与桌面端生态统一的中国国产操作系统。 图为5月19日发布的HUAWEI MateBook Fold非凡大师实体键盘与虚拟键盘。新华社记者 胥冰洁 摄 华为常务董事、终端BG董事长余承东在当天的发布会上说，鸿蒙电脑用户可体验多屏协同、触控交 互、分屏操控等全新交互模式，软件开发者可通过鸿蒙系统性能力开放与标准化生态机制，从"兼容适 配"转向"能力共创共建"，不断演进产品体验。 经过几十年发展，微软Windows和苹果macOS成为全球两大电脑操作系统。此前，中国企业曾推出国产 电脑操作系统，也都基于Linux开源内核二次开发，尚未形成自主可控技术体系。 鸿蒙操作系统以"一次开发、多端部署"技术打通多终端开发体系，自2019年问世以来，已在手机、平 板、智能穿戴设备、智能家居设备等领域广泛应用。据悉，鸿蒙电脑研发上市历经5年。 目前，鸿蒙电脑已 ...

Core Viewpoint - The 29th CBE China Beauty Expo showcases over 3,200 cosmetic companies from more than 40 countries, featuring over 10,000 beauty brands and 80,000 new products, highlighting innovation and trends in the beauty industry [1]. Group 1: New Product Launches and Innovations - Majili presents a skincare gift set suitable for all skin types, including a hydrating essence and a whitening serum with patented ingredients aimed at enhancing skin brightness and combating melanin production [3][5]. - Natural Hall Group emphasizes the importance of domestic raw material innovation, showcasing over 20 self-developed cosmetic ingredients inspired by Himalayan resources, aiming to enhance product quality and sustainability [6][8]. - YOSEIDO introduces a proprietary ingredient, FerSivi®, derived from high-level fungi, which is used in their new winter essence, replacing water in formulations with fermented birch juice to enhance efficacy [10][12]. Group 2: Technological Advancements in Skincare - Zhenyan Biotech showcases its patented recombinant mussel adhesive protein, which forms a protective film on the skin, aiding in recovery from damage [16][18]. - Quadha, a brand under Huaxi Biotech, presents its CT50 anti-aging technology, which operates at the cellular level to enhance skin rejuvenation, supported by significant clinical data [20][22]. Group 3: Sunscreen and Skin Protection Innovations - MISTINE highlights its new sunscreen products, including a research-based whitening essence and a cushion foundation, focusing on advanced protective technologies [26][29]. - The brand also introduces a unique light biology-based protective system, validated by multiple scientific publications and patents, enhancing its competitive edge in the market [28][29].

Core Viewpoint - The article highlights the digital transformation journey of small and medium-sized enterprises (SMEs) in Hunan, emphasizing the role of technology, particularly AI and 5G, in enhancing operational efficiency and competitiveness [3][12]. Group 1: Digital Transformation Challenges - Many SMEs face significant challenges in digital transformation, including high technical barriers, substantial costs, and unclear pathways, leading to reluctance or inability to adopt new technologies [3][12]. - The article illustrates the common sentiment among SMEs of being at a crossroads regarding transformation, with many feeling "unable, unwilling, or afraid" to proceed [3]. Group 2: Successful Case Studies - The article details the successful implementation of digital solutions in three companies: Jinbei Electric, Guohua Pharmaceutical, and Xinhongxin Machinery, showcasing how tailored solutions have led to significant operational improvements [6][9][11]. - Jinbei Electric's warehouse transformation involved the integration of a 5G-enabled smart storage system, which replaced manual processes with automated systems, resulting in improved efficiency and reduced error rates [6][7]. - Guohua Pharmaceutical benefited from a unified information platform that connected various management systems, enhancing data visibility and operational transparency, which is crucial for compliance in the pharmaceutical industry [9][11]. - Xinhongxin Machinery adopted a Manufacturing Execution System (MES) that utilized AI to optimize welding parameters, leading to reduced defect rates and increased production capacity [11]. Group 3: Role of Hunan Unicom - Hunan Unicom plays a pivotal role in facilitating the digital transformation of SMEs by providing customized solutions that leverage 5G technology and AI, thus helping companies overcome their operational bottlenecks [3][12]. - As a core service provider in the "Intelligent Empowerment of Ten Thousand Enterprises" initiative, Hunan Unicom has assisted over 130,000 enterprises in adopting cloud and platform technologies, contributing to nearly half of the province's 5G industrial internet benchmark factory constructions [12]. - The company is focused on creating a collaborative ecosystem through partnerships with local governments and industry players, aiming to lower the barriers for SMEs in their digital transformation efforts [12].

本轮是2025年国内成品油第十次调价，也将迎来第五次下调，年内成品油调价将呈现"三涨 五跌两搁浅"的格局。折算成升价，92#汽油每升下调0.18元，0#柴油每升下调0.19元。 以 油箱容量50L的普通私家车计算，加满一箱油将少花9元左右。 国家发展改革委价格监测中心监测显示，本轮成品油调价周期内（4月30日—5月18日），国 际油价先抑后扬，均价低于上轮调价周期。 来源：经济日报新闻客户端 国家发展改革委发布消息，根据近期国际市场油价变化情况，按照现行成品油价格形成机 制，自2025年5月19日24时起，国内汽、柴油价格每吨分别降低230元和220元。 记者：熊丽 关注" 新华网财经 "视频号 更多财经资讯等你来看 往期推荐 雷军，正在闭关 2025吉祥文化金银纪念币，预约倒计时 ...

今天，A股大小盘风格分化， 微盘股指数涨超2%，再创历史新高 。 摩根士丹利近日将泡泡玛特目标价上调9.8%至224港元/股，预测泡泡玛特2025年至2027年 每股盈利涨幅为7.5%至8.6%。 对于上调原因，摩根士丹利认为， 一是Labubu（拉布布）3.0全球需求强劲 ，特别是美国市 场，将促进泡泡玛特在美国和其他地区开设新店，成为今明两年的主要增长动力，强劲的销 售增长可以带动经营溢利杠杆进一步提高。 高位股表现活跃，批量涨停， 成飞集成9连板，利君股份9天8板，迎丰股份7天6板，南京 港、连云港、宁波海运均5连板 。 浙商证券研报称，市场近日由风险偏好驱动转为流动性驱动，北证50及微盘股受益。风险偏 好或接近历史高位，5月下旬，行情有望转向小盘价值。 A股午后，资金流入大消费方向。大消费股展开反弹，食品、美容、宠物等板块走强。此外， 港股泡泡玛特午后拉升，截至收盘涨5.77%，盘中 股价最高涨至207.8港元/股，再创历史新 高。 板块方面，港口、ST板块、并购重组、食品等板块涨幅居前，人形机器人、小金属、白酒、 保险等板块跌幅居前。截至收盘，沪指收 平，深证成指跌0.08%，创业板指跌0.33%。 ...

Core Viewpoint - In April 2025, the sales prices of commercial residential properties in 70 large and medium-sized cities in China remained stable or slightly decreased month-on-month, while the year-on-year decline continued to narrow. Group 1: Month-on-Month Price Changes - In April, the sales prices of new commercial residential properties in first-tier cities remained flat, changing from a 0.1% increase in the previous month. Beijing and Shanghai saw increases of 0.1% and 0.5%, respectively, while Guangzhou and Shenzhen experienced decreases of 0.2% and 0.1% [2]. - The sales prices of second-hand residential properties in first-tier cities decreased by 0.2% month-on-month, with Shanghai increasing by 0.1%, while Beijing and Shenzhen decreased by 0.6% and 0.3%, respectively. Second and third-tier cities saw a 0.4% decrease, with the decline widening by 0.2 and 0.1 percentage points compared to the previous month [2]. Group 2: Year-on-Year Price Changes - In April, the year-on-year decline in new commercial residential property prices in first-tier cities was 2.1%, narrowing by 0.7 percentage points from the previous month. Shanghai saw an increase of 5.9%, while Beijing, Guangzhou, and Shenzhen experienced declines of 5.0%, 6.3%, and 3.0%, respectively [3]. - The year-on-year decline in second-hand residential property prices in first-tier cities was 3.2%, narrowing by 0.9 percentage points from the previous month. Beijing, Shanghai, Guangzhou, and Shenzhen saw declines of 1.0%, 0.6%, 7.4%, and 3.7%, respectively. Second and third-tier cities experienced declines of 6.5% and 7.4%, with the declines narrowing by 0.5 and 0.4 percentage points, respectively [3].

Core Viewpoint - The article discusses the recent deregistration of Foshan Meicheng Food Co., Ltd., which was involved in controversies related to the "Hong Kong Meicheng Mooncake" product, highlighting issues of brand ownership and regulatory actions against misleading advertising practices [1][2]. Group 1: Company Status and Changes - Foshan Meicheng Food Co., Ltd. has changed its registration status from active to deregistered as of May 19, 2023 [1]. - The company was established in February 2023 with a registered capital of 1 million RMB, focusing on food production and sales [1]. Group 2: Brand and Product Controversies - The "Hong Kong Meicheng Mooncake" faced backlash last year due to its production not being based in Hong Kong, leading to public disputes [1]. - Guangzhou Meicheng Food Co., Ltd., the brand operator, is still active and was established in 2019, under the Hong Kong Meicheng Food Group [1]. Group 3: Regulatory Actions - In September 2022, the Hefei Market Supervision Administration reported that the "Hong Kong Meicheng Mooncake" and "Australian Grain-fed Beef Rolls" were involved in false advertising, resulting in a suspension of operations for the company "San Zhi Yang" [2]. - The company was fined 68.95 million RMB and compensated 27.78 million RMB for the involved products [2].