据有"新美联储通讯社"之称的《华尔街日报》记者Nick Timiraos周二报道，虽然美联储主席职位的正式面试仍在推进，但迹象显示，特朗普总统似 乎已心有所属，倾向于选择其长期顾问、白宫国家经济委员会主任凯文·哈塞特出任这一要职。若最终成真，此举将成为特朗普第二任期最具影响力 的人事决定之一。 Timiraos在报道中透露，特朗普周日面对记者询问时表示"我知道我要选谁"，而被问及是否为哈塞特时，他仅以微笑回应。Timiraos指出，哈塞特之 所以突出，关键在于他同时满足了总统最为看重的两项标准：一是无可置疑的忠诚度，二是在金融市场中具备的公信力。 上周，当哈塞特可能获提名的风声传出后，美国长期利率应声下跌。市场这一反应被视作对其信誉的积极投票。哈塞特本人周日也在CBS节目中对此 解读称，这证明了他有能力在维护通胀可信度的前提下，推动特朗普所期望的降息。 01 忠诚度成为决定性因素 除哈塞特外，最终名单还包括前美联储理事沃什、现任美联储理事沃勒和鲍曼，以及贝莱德高管里德。一度与哈塞特并列为热门人选的沃什，近来已 被外界认为其自身不再保持同等乐观。 目前，遴选流程已近尾声。候选人在经过媒体亮相及多轮面试后，已与贝 ...

Core Viewpoint - The article discusses the recent trend in the A-share market where companies are offering perks to shareholders, reminiscent of the practices of the Japanese "stock god" Kiyotaka, who lived off benefits from numerous companies [1][2]. Group 1: Shareholder Benefits - Companies like Emei Mountain A and Qianwei Central Kitchen are providing incentives such as free skiing and hot spring access for shareholders holding a minimum number of shares [1]. - The article highlights a variety of perks available to shareholders, including food packages, travel discounts, and health products, suggesting that shareholders can benefit significantly from these offers [4][5]. Group 2: Investment Strategy - The article encourages shareholders to take advantage of these benefits without making large investments in low-quality stocks, emphasizing a cautious approach to "sheep shearing" [2][5]. - It suggests that while these perks can enhance personal enjoyment and savings, the primary goal should remain focused on profitable investments rather than merely collecting freebies [5].

冬天睡觉的痛，谁懂啊！ 刚钻进被窝时，冰冷的被褥像裹了层寒冰，缩成一团瑟瑟发抖；好不容易捂热了，后半夜又浑身燥 热…… 踢掉被子怕着凉，裹着又闷得大汗淋漓，来回折腾到天亮，第二天昏昏沉沉没精神。 传统的厚被子要么厚重压胸，要么暖得太慢，让 身体在 "御寒耗能" 和 "闷热不适" 间反复挣扎 。 睡眠质量，直接关乎我们的精神状态和生活品质。选一款 能 "读懂" 体温的被子 ，是冬日安睡的头等大 事。 如果你也受够了忽冷忽热的折磨，今天这款 「 加倍生 活深睡星球控温被Pro」就是你的"睡眠救星"！ 动态温感调节、不压身、够柔软，不用被套，脏了还可以机洗！ 才一百多，真的是捡 到宝了。 从深夜到清晨，让你始终保持着刚刚好的温暖，有了 它才发现，原来 一床好被子，不止是暖，更懂得 你的需求。 好的被子不仅能让人一夜好眠，还能精准照顾睡眠刚需，保持深睡状态，每个深夜都有"恰到 好处的暖"。 经常出差的小伙伴都知道，亚D的睡眠体验是有口皆碑的。 它们控温被，价格可不便宜，动辄大几百甚至上千元！ 今天，我们直接对接源头，带来重磅福利特价！ 春秋被： 150×200cm （4斤） 惊爆价：129元！ 200×230cm （ ...

Core Insights - The article highlights the significant growth potential of the Latin American e-commerce market, particularly through the success of platforms like Mercado Libre, which reported a 70.8% year-on-year increase in sales during the Buen Fin promotion in Mexico, reaching $780 million [1][3]. - Despite a global slowdown in e-commerce growth, Latin America is projected to maintain a robust compound annual growth rate (CAGR) of 9.43% from 2025 to 2029, making it the second-highest growth region globally [2][3]. - The article emphasizes the importance of localization for brands entering the Latin American market, as consumer preferences and cultural nuances vary significantly across the region [15][17]. E-commerce Growth in Latin America - Latin America's e-commerce market has shown consistent growth, with a projected total transaction value of $633 billion by 2024, reflecting a sustained annual growth rate of over 20% since 2019 [1][2]. - The region's e-commerce sales currently account for only 12-15% of total retail sales, indicating substantial room for growth compared to more mature markets like China and North America [11][12]. Consumer Behavior and Market Dynamics - The demographic profile of Latin America, with a significant proportion of the population being young and in the labor force, contributes to a high acceptance of online shopping and strong consumer spending [12][13]. - Local consumers exhibit a preference for immediate consumption rather than long-term savings, which further drives e-commerce growth [12]. Localization Strategies - Successful brands in Latin America, such as Amazing Bloks and GameSir, have tailored their products to meet local consumer needs, demonstrating the effectiveness of deep localization strategies [5][23]. - Understanding local aesthetics and cultural preferences is crucial for product acceptance, as seen with Amazing Bloks' shift to darker-themed toys that resonate with Latin American consumers [21][22]. Competitive Landscape - The Latin American e-commerce market is becoming increasingly competitive, with platforms like Mercado Libre leading with a market share of 26% in 2024, significantly ahead of its nearest competitor [29]. - Brands are encouraged to choose platforms that understand the local market dynamics, as navigating the complexities of logistics, regulations, and cultural differences is essential for success [27][30]. Conclusion - The article concludes that the Latin American e-commerce market represents a significant opportunity for growth, but brands must invest in understanding local markets and consumer preferences to succeed [32].

Core Viewpoint - The article discusses the issues surrounding the Aion UT Super vehicle, including a content review error regarding the sunroof configuration, misleading rental terms, and invoice issuance limitations, leading to customer dissatisfaction [1][2][3]. Group 1: Content Review Error - Aion's Vice President Yang Long acknowledged that the sunroof configuration was a result of a content review error, which has been quickly rectified and a comprehensive self-inspection has been initiated [1][2]. - Customers reported seeing promotional images of the Aion UT Super with a sunroof, but upon delivery, the vehicle did not have this feature, and it could not be added [2][3]. Group 2: Refund Policy - To respect customer choices, the three parties involved (GAC Group, CATL, and JD.com) have committed to allowing customers who paid a deposit of 5,000 yuan between November 9 and 23 to request a refund before confirming their custom order [3]. - For customers who choose to customize their vehicle after November 24, they can request a refund within 48 hours of confirming their order [4]. Group 3: Battery Rental and Pricing - The Aion UT Super offers two purchasing options: battery rental and full vehicle purchase, with the battery rental price set at 49,900 yuan, and a promotional reduction in monthly rental fees from 499 yuan to 399 yuan if ordered by December 8 [6]. - There are limitations on the rental plan, including a maximum monthly mileage of 3,000 kilometers, with additional charges of 0.2 yuan per kilometer for exceeding this limit [7]. Group 4: Invoice Issuance - Initially, customers could only obtain invoices in Shanghai and Guangzhou, a measure intended to help users benefit from government subsidies without affecting vehicle registration nationwide [8]. - The three parties are working to expand the list of cities where invoices can be issued to accommodate customer requests [11].

Core Viewpoint - Soul, the anonymous virtual social platform founded by Zhang Lu in 2016, has submitted its prospectus for an IPO in Hong Kong after previous attempts in the U.S. and Hong Kong failed. The company claims to have turned a profit in 2023 after incurring approximately 1.5 billion yuan in adjusted net losses from 2020 to 2022, with a projected maximum adjusted net profit of 360 million yuan in 2025 [1][2][12]. Group 1: Financial Performance - Soul's revenue projections for 2022 to 2025 are 1.67 billion, 1.85 billion, 2.21 billion, and 1.68 billion yuan, with over 90% of revenue coming from "emotional value services" and only 10% from advertising [8]. - Despite a high gross margin of 81.5% for "emotional value services," Soul's net profit margin has been declining due to high sales and marketing expenses, which accounted for 40% to 50% of total revenue from 2022 to 2025 [9][11]. - The company has accumulated significant financial liabilities, with redeemable shares and obligations reaching 11 billion, 11.66 billion, 12.27 billion, and 12.4 billion yuan from 2022 to 2025, impacting net profit due to high financial costs [14]. Group 2: User Engagement and Challenges - Soul's monthly active users peaked in 2022, with a projected decline to 28 million by August 2025, down from 29.4 million in 2022 and 31.6 million in 2021 [10][9]. - The average revenue per paying user increased from 75.3 yuan in 2022 to 104.4 yuan by August 2025, but user complaints regarding automatic renewals and refund difficulties have surged, with over 5,600 complaints reported [15][16]. - The platform has faced scrutiny for its governance, with issues related to scams and inappropriate content leading to regulatory challenges, including a previous suspension in 2019 due to violations [21][22].

在该讨论中，有领导提到，这是恩格斯在《论权威》一书中套用但丁《神曲》里的题词，大工厂是以"进门者放弃一切自治"为特征的。 这种集体意志往往反映为各种规章制度，通过劳动者遵守劳动纪律，使劳动者的个人意志纳入到集体意志的轨道。其称，这里所说的"放 弃一切自治"，"不是限制我们的自由，而是要求我们要遵守国家、企业的制度要求，统一行为规范。" 来源丨凤凰网财经《公司研究院》 近日，一家工厂悬挂的标语"进入厂区，请自觉放弃一切自由"在网络引发热议。 有网友发帖，感慨"别人都只敢在心里想，土老板敢做成大字报贴在门脸上"，还有网友直接吐槽，"厂区还是园区啊？不看IP我以为缅北 呢"，"但凡写个'生产安全大于一切'都没这么搞笑"。 来源/小红书截图 该帖子爆料涉事企业疑为广西恒逸新材料有限公司（下称广西恒逸）。天眼查上显示，法定代表人为沈飞，系A股上市公司恒逸石化的子 公司，据2024年工商年报，参保人数为690人。 不过也有网友解释，标语中的"此自由，非彼认为的自由"，化工厂有类似标语，意思是要遵守安全规定。 的确在科普行业"安全准入"的文章里，有厂区的标语显示为"进入厂区请放弃一切自治"。在"燕山石化炼油厂"的公众号中， ...

Market Overview - The three major U.S. stock indices closed down on December 1, ending a five-day winning streak, with the Dow Jones Industrial Average down 0.9%, the S&P 500 down 0.53%, and the Nasdaq Composite down 0.38% [1] Technology Stocks Performance - Popular tech stocks showed mixed results, with Broadcom down over 4%, Google, Microsoft, Intel, and TSMC down over 1%, while Nvidia, Apple, AMD, and Micron Technology rose over 1%, and Synopsys surged nearly 5% [2] Chinese Stocks - The Nasdaq Golden Dragon China Index rose by 0.87%, with notable gains from NetEase (up 5%), Alibaba (up over 4%), and New Oriental (up over 3%), while Xpeng Motors, Li Auto, iQIYI, and NIO saw declines of over 2% [2] Cryptocurrency Market - The cryptocurrency market faced a significant sell-off, with Bitcoin dropping over 5% and falling below $84,000, while Ethereum, XRP, and HYPE plummeted over 7%. Over 260,000 traders were liquidated, totaling nearly $1 billion in losses [2][5] Silver Market Dynamics - Silver prices reached a historical high of $58.8 per ounce, with a year-to-date increase exceeding 100%, significantly outpacing gold's 60% rise. The surge in silver prices is attributed to supply tightness, speculative short squeezes, and increased demand for value storage amid macroeconomic uncertainties [6][9] Factors Behind Cryptocurrency Decline - The recent cryptocurrency decline is driven by a combination of macroeconomic tightening, structural market weaknesses, and negative sentiment. The Federal Reserve's delayed rate cuts and a $200 billion liquidity withdrawal due to government shutdowns have exacerbated funding costs [3][4] Future Outlook for Bitcoin Market - Hotcoin Research suggests that by 2026, the Bitcoin market will be more mature and rational, with institutional funds playing a larger role, leading to price movements driven more by fundamentals and data rather than short-term sentiment [4]

Core Viewpoint - The article discusses the implications of Hong Kong's vertical urban development, highlighting the risks associated with high-density living, particularly in light of a recent tragic fire incident that exposed the vulnerabilities of such structures [3][16]. Group 1: Urban Density and High-Rise Buildings - Hong Kong has the highest number of skyscrapers globally, with 569 buildings over 150 meters tall, reflecting its extreme vertical development [7]. - The city's high-rise buildings create a "concrete jungle," leading to a suffocating living environment where distances between buildings can be as narrow as 1 meter [12][11]. - The vertical living arrangement, once seen as a solution to space constraints, has turned into a potential death trap during emergencies like fires [14][15]. Group 2: Historical Context of Vertical Development - The population of Hong Kong surged from 600,000 in 1945 to over 2.2 million by 1950, creating immense pressure for housing [17][19]. - The geographical limitations of Hong Kong, with over 70% of its land being mountainous, necessitated the shift towards vertical construction to accommodate the growing population [21][22]. - Legislative changes in the 1950s and 1960s, such as the revision of building regulations, facilitated the rise of high-density residential buildings [25][36]. Group 3: Economic Implications of Real Estate - The real estate sector has been a significant pillar of Hong Kong's economy, contributing over 20% to government revenue and employing a large portion of the workforce [56][57]. - The 1997 Asian financial crisis severely impacted the housing market, leading to a dramatic drop in property prices and a rise in negative equity among homeowners [48][51]. - The "85,000 units" housing plan aimed to address housing shortages but was ultimately derailed by the financial crisis, highlighting the fragility of the housing market [45][58]. Group 4: Current Housing Challenges - The affordability crisis in Hong Kong is severe, with a housing price-to-income ratio of 20.9, making it the least affordable housing market globally [62]. - Recent government initiatives, such as the "Lai Zheng Plan," aimed to increase housing supply but faced significant public resistance, leading to stalled projects [66]. - The current administration is focusing on increasing public housing units, with a target of 189,000 units over five years, to alleviate housing stress for lower-income families [67].

以下文章来源于风财眼 ，作者凤凰网财经 风财眼 . 风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 【 热门视频推荐 】 点击在 看 持续关注↓↓↓ 12月1日，中国人保收盘大跌4.97%，盘中一度跌超6%。据多家媒体报道，人保集团党委委员、副总裁，人保财险总裁于泽疑似失联。凤凰网财经分别联系 人保集团、人保财险，均未获回应。 公开信息显示，于泽1971年10月出生，于 1994 年 7 月至 2006 年 10 月任职于中保财产保险有限公司、中国人民保险公司、中国人民财产保险股份有限公 司，曾任天津市分公司车辆保险事业部常务副总经理。 2006 年 10 月至 2019 年 12 月任职于太平保险有限公司、太平财产保险有限公司，2007 年 2 月任太平保险有限公司天津分公司总经理；2009 年 5 月任太平 保险有限公司市场总监；2010 年 4 月任太平财产保险有限公司助理总经理、2012 年 10 月任副总经理、2015 年 10 月任副总经理（主持工作）、2016 年 9 月任总经理。 2019 年 12 月，于泽回归人保集团，获委任人保集团副总裁，同时他还兼任人保财 ...