继工商银行、农业银行后，又一家国有大行对积存金业务进行调整。1月30日，建设银行宣布，个人黄金积存业务定期积存起点金额将上调至1500 元。 01 上调起购金额至1500元 建设银行 表示，根据中国人民银行《黄金积存业务管理暂行办法》（银办发〔2018〕222号）相关规定，为顺应市场变化，加强业务风险管理，将 对个人黄金积存业务调整如下： 自北京时间2026年2月2日9 : 10起，建设银行个人黄金积存业务定期积存起点金额（包括日均积存及自选日积存）上调至1500元。调整前已设置成 功的定期积存计划将继续执行，不受影响。设置展期的定期积存计划到期后，若原计划积存金额满足我行最新要求，则展期成功，否则展期失败。修 改定期积存计划需满足建设银行最新积存金额要求。 建设银行表示，后续将持续关注黄金市场变动情况，适时对上述起点金额进行调整。 近一年来，建设银行多次上调积存金起购金额，其中，在去年3月由700元上调至800元，5月上调至1000元，11月又上调至1200元。 今年以来，建设银行还多次发布贵金属业务市场风险提示。在最新公告中，建设银行指出，近期国内外贵金属价格波动加剧，市场风险提升。请客户 增强 贵金属业 ...

尝了一下这款 广式盐焗鸡 ，深深被它折服：鲜甜，入口皮爽肉滑，少油多汁，口感层次丰富。 一口气吃了半只，真有点欲罢不能的感觉。今天给大家的福利， 99元到手3只，每只都在700g 左右 ，非常划算！ 「世间料理，香不过一道盐焗鸡！」 这话可不是我说的，是在两广老饕圈子里口口相传的。 都知道广东人爱吃鸡，鸡的吃法有百种，煲汤、红烧、爆炒……但能做到让我疯狂上头、百吃 不厌的，那必须是 广式盐焗鸡！ 盐焗鸡最大的特点在于： 保留了鸡肉本身的鲜甜，入口皮爽肉滑，唇齿留香 ； 只有品尝过这份鲜美，才真正懂得广东人口中"鸡有鸡味"的精髓！ 咱这款宝荣沣广式盐焗鸡，由 世界御厨香港米其林三星大师，杨贯一入室弟子阿邓师傅 亲自操 刀研发。 主打一个皮滑肉嫩、少油多汁，色泽微黄，口感层次丰富。 办公室里来自五湖四海的同事，都对它赞不绝口，是 连广东人也盖章认证的好吃！ 我端着这只鸡在办公室里转了一圈，分分钟只剩下盘子底流油的鸡汁： 「空口吃不算咸，味香肉嫩、紧实爽滑，简直太好吃了！」 而且吃起来非常方便快捷， 微波炉叮6-8分钟即可 ，不嫌麻烦 更推荐蒸 ，肉更嫩～ 轻轻一撕，鲜甜丰盈的汁水一汪汪聚在鸡腿窝。吃起来皮弹肉嫩， ...

来源丨国际财闻汇 美国总统特朗普宣布，他将在周五晚间揭晓会选谁来接替鲍威尔担任美联储主席。他的选择会对美联储是否依旧能成为投资者心目中严肃的通胀目标 型央行产生重大而深远的影响。 据彭博社报道，特朗普据悉正准备提名前美联储理事凯文·沃什。近期猜测主要集中在沃什和贝莱德高管Rick Rieder身上。现任美联储理事克里斯托 弗·沃勒也仍有可能。对于此前被视为大热门的凯文·哈塞特，在特朗普表示希望其留任白宫后，获得提名的几率似乎已大幅下降。 特朗普的选择还可能影响到鲍威尔卸任主席后是否会继续担任理事。如果在他看来新主席无法捍卫美联储独立性，鲍威尔就更有可能会选择留任。如 果鲍威尔选择不留任，那就会为特朗普腾出另一个理事任命席位。或许这样一个决定还会——可能是无意间——让其他民主党任命的现任理事觉得自 己也可以心安理得地离开，这意味着特朗普会在理事会控制多数席位，从而从内部彻底掌控美联储。 特朗普对鲍威尔继任者的选择，其影响会持续至其总统任期结束后。如果新任主席被视为做的很成功，那就有可能会获得下一任总统的连任提名；如 果被认为做的很失败，那就有可能导致资产价格下跌、风险溢价上升，美联储威望会受损，而这种损害可能需 ...

Core Viewpoint - Huang Renxun believes that China will win the AI competition, predicting the outcome without revealing the process [1] Group 1: Industry Trends - In the past 18 months, internet companies have rushed to rebrand themselves with new AI labels, leading to a sense of fatigue as all major players showcase similar capabilities [2][3] - The danger lies in the consensus that all companies are on the same AI path, while the real competition will be about finding unique applications that align with each company's strengths [2][3] - Product homogenization is evident, with users struggling to perceive significant value differences among various AI models [4] Group 2: Company Strategies - Major companies are beginning to anchor their AI efforts in areas that are irreplaceable within their business models, with ByteDance seen as a leader in understanding new market dynamics [5] - ByteDance's Doubao has achieved over 100 million daily active users, establishing a strong presence in AI-driven applications focused on content generation and social interaction [5] - Tencent's Yuanbao is integrated into WeChat, aiming to enhance social interactions and cover key scenarios like office and consumer needs [6][8] Group 3: Strategic Differentiation - Companies are focusing on solving real-world problems to create value, with leaders like Ma Huateng and Jack Ma emphasizing the importance of practical AI applications [9][10] - Tencent is prioritizing consumer-facing applications, while Alibaba and ByteDance are investing heavily in foundational technologies and self-developed models [11][13] - Alibaba's strategy involves significant capital expenditure on data centers and AI infrastructure, while ByteDance focuses on maximizing usage in real applications [13][14] Group 4: Baidu's Unique Position - Baidu faces challenges as AI impacts its core search business, with the shift from keyword searches to direct AI interactions undermining traditional models [19][20] - Despite this, Baidu's Robotaxi initiative is emerging as a new growth area, showcasing its ability to transition from technology demonstration to real-world application [20][21] - The global Robotaxi market is projected to reach $66.6 billion by 2030, with China expected to hold a significant share [22] Group 5: Future Focus for Baidu - Baidu must concentrate its resources on the Robotaxi project to ensure it can maintain a competitive edge in the AI era [29][30] - The company has previously spread its investments across various sectors, which has led to mixed results, highlighting the need for strategic focus [30][31] - As competitors ramp up their efforts in autonomous driving, Baidu's ability to prioritize and execute on its Robotaxi strategy will be crucial for its success [31][32]

以下文章来源于每日经济新闻 ，作者每经记者 每日经济新闻 . 中国主流财经全媒体，互联网新闻信息服务许可证编号：51120190017；商务合作：028-86512112；新闻职业道德监督热线：4008890008 "我看到你的陪诊笔记，决定飞来上海！" 2025年底，当陪诊师赵洋（化名）收到这条来自美国的私信咨询时，她未曾想到，一单看似普通的陪诊业务，会成为中国医疗服务吸引力辐射国外的 生动注脚。因在美国预约一项肠道检测需等待两个月，这位名叫Malka的美国患者，最终选择跨越太平洋，来到中国求医。 赵洋和美国患者Malka 图片来源：受访者供图 无独有偶，远在东南亚创业的海外华侨 马伟 民，在遭遇当地医院误诊和高昂医疗费用后，也毅然买下机票，连夜回国接受手术治疗。他直言，与海 外繁琐的分级诊疗和漫长等待相比，国内医疗效率、水平均相当高，也更值得信任。 从陪诊服务吸引海外散客，到海外华侨"用脚投票"回国就医，再到国内医院系统化布局国际医疗中心，一幅中国医疗服务"反向出海"的图景正在展 开。高效的诊疗流程、高超的医术、相对亲民的价格以及日益国际化的服务标准，正让中国成为越来越多全球患者的新选择。 01 受肠胀气 ...

Core Viewpoint - The article discusses the downfall of Baolide, a prominent private luxury car dealer in East China, highlighting its bankruptcy due to overwhelming debt and mismanagement of funds [1][6][18]. Group 1: Company Background and Operations - Baolide was established in 2001 with a registered capital of 160 million, targeting high-net-worth individuals and operating nearly 60 stores in the Yangtze River Delta region, serving around 600,000 customers [23][24]. - The company was recognized as one of China's top 500 private enterprises and ranked among the top 20 automotive dealers in the country, showcasing its previous industry dominance [23][24]. Group 2: Financial Troubles and Bankruptcy - Baolide's financial issues became apparent with significant debt, including being listed as an executed party in multiple legal cases, with debts totaling 43.66 million [7]. - The company faced severe operational challenges, including the inability to register vehicles sold to customers due to the collateralization of vehicle certificates for bank loans, leading to customer dissatisfaction and legal disputes [10][12][14]. - In August 2025, Baolide filed for bankruptcy due to its inability to repay debts, with the court officially accepting the bankruptcy application in September 2025 [18][19]. Group 3: Leadership and Controversies - The founder, Yu Haijun, faced personal and professional turmoil, including multiple instances of frozen shares and high consumer restrictions, which contributed to the company's decline [7][20]. - Allegations regarding Yu's personal life, including an affair with a prominent economist, further complicated the company's public image during its downfall [21][20]. Group 4: Market Context and Lessons - The luxury car market in China has become increasingly competitive, with Baolide's failure serving as a cautionary tale for other automotive dealers about the importance of risk management and cash flow control [34][35]. - Despite attempts to go public and secure investments from notable figures, including nearly 1.327 billion raised from various investors, Baolide could not reverse its declining fortunes [30][31][33].

品牌斩获德国IF、红点奖& 入驻山姆超市，打造了一款桌面暖风 机！ 炮筒送暖 3秒速热 告别手冷脚冷 幸福感飙升 办公党、租房党 、学生党...一定不能错过的"寒冬救星"！ 这次真的挖到宝了！！！ EDON 爱登 E520小热浪暖风机 巴掌大小，能放桌子上、放地上，还能免打孔壁挂！ 平时做活动都要卖到176元 ，这次 凭 借老 合作 伙伴的关系，我们 打款包下了最后1000多台 直接干到 139元 ！ 还 送2个挂钩！ 寒潮来袭，你是否也正在经历这些？ 宿舍里，即使裹紧被子， 脚底依旧冰凉 …… 藏在掌心里的"温暖炮筒" ，很难不 心动！ ✅ 山姆风扇类目指定供货商之一 ✅免打孔壁挂，不伤墙，台挂两用 ✅上下喷热+2档调温，3秒速热，循环供暖 ✅3小时1度电省电不虚标 ✅涡轮炮风循环，均衡室温 ✅轻音运行不打扰，整夜无忧 ✅PTC速热/过热保护/阻燃材质 三重安全防护 点击下图立即购买 ▼ 冬天办公， 手指冻得僵硬 ，打字效率减半； 回到出租屋，湿冷的空气扑面而来，连 洗澡都需要心理建设 ； 它的"内核"来自一个真正的实力派。 ✅山姆风扇类目指定供货商之一 也 是很多 一线大品牌背后的代工厂，产品 做工非常精 ...

Core Viewpoint - 甘之草科技股份有限公司 is positioning itself as a leading player in the online traditional Chinese medicine market, aiming for an IPO on the Hong Kong Stock Exchange, with significant growth in market share and valuation over a short period [1][5]. Financial Performance - In 2023, the company's revenue increased from 603 million RMB to 690 million RMB, achieving profits of 1.88 million RMB and 10.16 million RMB in consecutive years, alongside healthy cash inflows from operating activities [5]. - However, in 2025, despite a revenue of 554 million RMB and a gross profit of 150 million RMB in the first three quarters, the company reported a loss of 1.235 million RMB, indicating a reversal in profitability [5]. - The cash flow from operating activities turned negative, with a net outflow of 640,000 RMB, suggesting challenges in the company's core business operations [5]. Valuation Growth - The company's valuation skyrocketed from 6.775 million RMB to 1.639 billion RMB, a more than 240-fold increase within three years, driven by aggressive institutional investments prior to the IPO [5][10]. - The first significant institutional investment occurred in early 2024, with a valuation increase of over 118 times following the entry of professional investors [7]. - By January 2026, the latest financing round pushed the valuation to a historic high of 1.639 billion RMB, with multiple investment firms participating [10][11]. Capital Structure Changes - The ownership structure began diversifying in 2023, with external capital entering the company, marking a shift from founder-led to a more varied shareholder base [6]. - The capital influx in 2025 further accelerated the valuation increase, with significant investments leading to a valuation rise of 54% within six months [9]. Investment Strategy - The pattern of "pre-IPO rush investments" is evident, where institutional investors aim to capitalize on the company's valuation before its public offering, creating a clear chain of value enhancement [12]. - The focus on capital accumulation and resource enhancement through these investments is crucial for the company's future IPO prospects [12].

今日（1月29日），白酒等消费股迎来大反弹。截至收盘，贵州茅台大涨8.6%，成交额超260亿元。金种子酒、皇台酒业、迎驾贡酒、金徽酒等近20 股涨停。白酒板块全天成交金额超600亿。 消息面上，本周以来，多款飞天茅台价格涨幅明显，与1月26日相比，2026年飞天茅台原箱（53度/500ml）上涨了55元，2026年飞天茅台散瓶上 涨了20元；2025年飞天茅台原箱（53度/500ml）上涨了55元，2025年飞天茅台散瓶上涨了20元。 华安证券在近日的研报中也指出，以食品饮料为代表的消费行业已经历持续5年之久的罕见下跌，背后是市场共识的彻底扭转，叙事逻辑由持续上涨 期的"核心资产"转为调整期的"传统资产，导致当前多数消费细分板块及头部企业已处在历史估值5%/10%以下分位水平。当前在风格的极致分化之 下，预计2026年后续消费头部企业的下跌空间将会有限、向上弹性将会更大。 从底层逻辑上看，随着更多关注内需和消费的政策出台，机构认为，2026年初，扩内需政策进入密集落地期，国家发展改革委、财政部联合印发《关 于2026年实施大规模设备更新和消费品以旧换新政策的通知》，商务部部署提振消费专项行动，从实物消费到服务 ...

以下文章来源于时代周报 ，作者曹杨 任琰 时代周报 . 记录大时代，深读全商业。互联网新闻信息服务许可证编号：44120230006 1月29日，特斯拉（TSLA.US）发布了2025年第四季度及全年财务报告。 财报显示，特斯拉第四季度营收达 249.01亿美元，同比下降约3%；其中汽车业务收入为176.93亿美元，同比下降约11%。归属于特斯拉普通股股 东的净利润为8.4亿美元，同比下降约61%；非GAAP净利润为17.61亿美元，同比下降约16%。 | (nugunurea) | | | | | | | | --- | --- | --- | --- | --- | --- | --- | | ($ in millions, except percentages and per share data) | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 | Q4-2025 | YoY | | Total automotive revenues | 19,798 | 13,967 | 16,661 | 21,205 | 17,693 | -11% | | Energy gener ...