投资的原则是宁愿错过，不要做错。 近期商业航天、AI应用、机器人等热点股自高点以来最大跌幅超过40%。这意味着，如果投资者动用了 杠杆、追高买入，且买入自己不懂的东西等三重因素叠加，那么可能导致财务灾难。 部分财经大V是本轮热点概念爆炒的"吹鼓手"。1月19日，浙江证监局对财经大V"金泓"（真名金永荣） 罚没8325万元；1月20日，雪球安全中心对22个活跃大V账号永久封禁。他们的"抢帽子"游戏已经越过 了法律的边界，理应受到处罚，但投资者的财富缩水却可能无法挽回。 远离任何号称能让你快速致富的人，他们是行走的灾难。回到自身来说，如果你用了杠杆 、买了不懂的 东西，或是因为嫉妒而追高，那么投资就会产生灾难。 投资需要避开所有已知的负面清单，剩下的就有助于目标更好地实现。因此，投资需要列出负面清单， 然后彻底地避开它们。这就是段永平说的，投资最重要的不是"做什么"，而是"不做什么"。"做什么"是 能力圈决定的，"不做什么"才是投资不败的护身符。 不要渴望短期暴富 财经大V和各路游资的观点为何能够吸引读者，因为他们刻意讲述了一个快速发财的神话，有人包装自 己"一年三个月收益20倍、以30万元本金积累至50亿元"， ...

Core Viewpoint - The commercial space industry is experiencing significant developments, particularly with SpaceX's ambitious plan to launch up to 1 million satellites to create an "Orbital Data Center" [2][3][4]. Group 1: SpaceX's Satellite Deployment Plan - SpaceX has submitted an application to the FCC to deploy a satellite network consisting of up to 1 million satellites, which will operate at altitudes ranging from 500 km to 2000 km [3][4]. - The proposed "Orbital Data Center system" aims to provide unprecedented computational power to support advanced AI models and applications, addressing the growing demand for AI computing capabilities [4][5]. - The satellites will be arranged in narrow orbital shells with a width of no more than 50 km to minimize interference with other systems [4]. Group 2: Regulatory and Market Implications - The scale of the proposed satellite deployment raises concerns regarding SpaceX's future capital expenditures, execution capabilities, and regulatory challenges, particularly from the FCC [4][7]. - The FCC previously approved SpaceX's application for 7,500 satellites for its second-generation Starlink network but did not approve the full request for 22,488 satellites, indicating potential scrutiny for the new application [7]. - Analysts predict that the environmental impact and orbital congestion risks associated with deploying 1 million satellites will face rigorous examination, possibly leading to objections from other space-faring nations [7]. Group 3: Advancements in AI and Space Exploration - NASA's Perseverance rover successfully completed its first autonomous driving task on Mars, utilizing AI to plan its route based on terrain analysis, marking a significant advancement in space exploration technology [8][9]. - The rover has traveled over 42.2 kilometers on Mars, with more than 90% of its distance covered through autonomous driving, showcasing the importance of remote autonomous technology for future missions [9].

Core Viewpoint - The article discusses the release of the "Guidelines for the Collection of Personal Consumer Loans by Financial Institutions (Trial)" by the China Banking Association, aimed at regulating collection practices and protecting the rights of debtors while ensuring the legitimate rights of creditors [1][8]. Group 1: Collection Practices Regulation - The guidelines cover credit cards and personal consumer loans issued by member institutions of the China Banking Association, with other personal loan types encouraged to follow suit [3]. - A comprehensive definition of collection methods is provided, including phone calls, letters, home visits, judicial collections, and other methods via SMS and corporate WeChat [3]. - Strict "red lines" for collection practices are established, prohibiting collection activities from 10 PM to 8 AM without debtor consent and limiting the number of calls to a maximum of 6 attempts per day to avoid harassment [3]. Group 2: Protection of Debtor Rights - The guidelines emphasize the protection of personal information, requiring member institutions and external collection agencies to comply with privacy regulations and not disclose debtor information for non-collection purposes [3]. - Specific rules for different collection methods are outlined, such as mandatory recording of phone calls and requiring multiple collectors for home visits, who must present identification and obtain consent before entering private residences [4]. Group 3: External Agency Management - Member institutions are designated as the primary responsible party for managing external collection agencies, implementing a list management system with strict entry and exit criteria [5]. - Annual inspections of external collection agencies are mandated, with a comprehensive assessment framework that includes compliance with collection behavior, security of information, and consumer rights protection [5][6]. Group 4: Internal Control and Industry Cooperation - The guidelines promote a shift from reactive to proactive risk management, emphasizing preemptive measures, monitoring during the collection process, and optimizing complaint resolution mechanisms [7]. - An information-sharing mechanism for violations by external collection agencies will be established, encouraging technological innovation to enhance collection efficiency and compliance [7]. - The guidelines also address issues related to debt evasion and illegal collection practices, urging member institutions to collaborate in combating fraudulent complaints and to report criminal activities to law enforcement [7]. Group 5: Overall Impact - The introduction of these guidelines aims to create a clear boundary for collection practices, safeguarding the rights of both creditors and debtors, and is expected to reduce instances of illegal and violent collection practices [8]. - The implementation of these regulations is anticipated to foster a development model characterized by compliance, clear responsibilities, effective regulation, and collaborative industry governance, contributing to the stability of the financial market and social justice [8].

当地时间1月31日， 总台记者 获悉，伊朗霍尔木兹甘省危机管理总局局长称，当天阿巴斯港一处居民区 建筑发生爆炸，事故已导致1人死亡，另有14人受伤。事件原因正在调查中，官方稍后将公布调查结果。 31日，伊朗霍尔木兹甘省阿巴斯港莫阿勒姆大道上一栋八层楼房发生爆炸。爆炸摧毁了该建筑的两层 楼，并损坏了附近几辆汽车和一家商店。 来源：央视新闻 违法和不良信息举报电话：0755-83514034 邮箱：bwb@stcn.com 券中社 × 券商中国 券 中 社 扫码下载券中社APP 扫码关注券商中国公众号 quanshangcn qzs.stcn.com 舞中 券中社APP 券 商 中 国 是 证 券 市 场 权 威 媒 体 《 证 券 时 报 》 旗 下 新 媒 体 , 券 商 中 国 对 该 平 台 所 刊 载 的 原 创 内 容 享 有 著 作 权 , 未 经 授 权 禁 止 转 载 ， 否 则 将 追 究 相 应 法 律 责 任 。 看券商中国 知天下财经 F 责编：刘珺宇 校对： 杨舒欣 百万用户都在看 盘中暴涨25%！芯片巨头，释放重磅信号! AI，突传重磅！四大巨头，同时出手！ 深夜"血洗"！白银，史诗 ...

Macro Dynamics - The Ministry of Finance and the State Administration of Taxation issued an announcement clarifying the calculation of sales revenue for value-added tax on financial products, allowing taxpayers to calculate sales revenue based on the balance after deducting the purchase price from the selling price [2] - In January 2026, China's manufacturing Purchasing Managers' Index (PMI) was reported at 49.3%, indicating a tightening in market demand while production remains expanding, with the equipment manufacturing PMI at 50.1% and high-tech manufacturing PMI at 52% [3] - A series of important national standards will be implemented starting February 1, covering areas such as software process capability maturity model, 5G mobile communication security, and consumer services, aimed at guiding and regulating emerging industries [4] Financial Institutions - China Life Property & Casualty Insurance became the first in the industry to be approved for participation in the long-term investment reform pilot, reporting a net profit growth of 103.88% year-on-year and total premium income of 112.432 billion yuan in 2025 [7] Market Data - U.S. stock indices closed lower, with the Nasdaq down 0.94%, while the Dow Jones and S&P 500 also saw declines [8] - The Nasdaq China Golden Dragon Index fell by 2.36%, with major Chinese concept stocks like Bilibili and Li Auto dropping over 3% [10] Company Dynamics - Shenzhen's Luohu District reported that Jie Wo Rui Jewelry Company has initiated repayment processes under supervision, with online and offline channels established for handling repayments [11] - SpaceX applied to the FCC to launch and operate up to one million satellites, aiming to create a space-based AI data center for large-scale AI processing [12] - China CRRC Group issued a statement regarding illegal financing scams using its name, clarifying that it has no association with the fraudulent activities [13]

1月31日，央企中国中车发布严正声明： 近期，中国中车集团有限公司（以下简称"中国中车集团"或"我公司"）发现市场上有不法分子冒用我公司名 义，通过名为"中国中车CRRC""中国中车"和"中车风电"等的应用程序（APP），采用传销式运作模式，虚构 投资标的，宣扬每日付息、到期返本、高额回报等所谓理财项目，进行非法融资诈骗活动。此举严重侵害我公 司声誉及合法权益，对社会公众财产安全构成重大威胁。 严正声明如下： 一、我公司与名为"中国中车CRRC""中国中车"和"中车风电"的APP无任何关联 我公司从未开发、运营、授权或参与该APP及其运营方的任何活动，其发布的一切所谓"投资项目""内购股 权"及宣称的"高额回报"均属诈骗，与我公司无任何关联。 责编： 王璐璐 校对： 刘星莹 百万用户都在看 盘中暴涨25%！芯片巨头，释放重磅信号! AI，突传重磅！四大巨头，同时出手！ 二、该APP具有显著非法特征，请公众务必提高警惕，切勿上当 该APP无法通过任何官方渠道（如苹果App Store、各大安卓应用市场）下载，只能借助微信群、朋友圈等社交 平台传播或私发链接、二维码下载获取，多租用域外服务器，以逃避国内监管体系。 ...

Core Viewpoint - The article discusses recent tensions in Iran, including an explosion in Abbas Port and military developments involving the U.S. and Israel, highlighting the geopolitical risks in the region [1][3][7]. Group 1: Explosion Incident - An explosion occurred in a residential building in Abbas Port, Iran, on January 31, damaging two floors and nearby vehicles and a shop [1][3]. - The Iranian military leadership has stated that the armed forces are in a state of full defense and readiness, monitoring enemy movements closely [3][4]. Group 2: U.S. Military Presence - President Trump warned that the fleet heading towards Iran is larger than the one deployed near Venezuela, indicating heightened military readiness [5][6]. - Trump expressed a willingness to negotiate with Iran to prevent them from acquiring nuclear weapons, while emphasizing the strength of the U.S. military presence in the region [6]. Group 3: U.S. Arms Sales to Israel - The U.S. government approved a $6.67 billion arms sale to Israel, including 30 Apache helicopters and 3,250 light tactical vehicles, amidst rising tensions in the Middle East [7][8]. - The arms sale is intended to enhance Israel's defense capabilities and is not expected to disrupt the military balance in the region [7][8].

Core Viewpoint - The article highlights the significant growth in the performance forecasts of several companies in the optical module industry, driven primarily by increasing demand for AI and computing infrastructure [1][2]. Group 1: Company Performance Forecasts - Zhongji Xuchuang expects a net profit attributable to shareholders of 9.8 billion to 11.8 billion yuan for 2025, representing a year-on-year growth of 89.50% to 128.17% [1]. - Xinyi Sheng anticipates a net profit of 9.4 billion to 9.9 billion yuan for 2025, with a year-on-year increase of 231.24% to 248.86% [1]. - Tianfu Communication forecasts a net profit of 1.881 billion to 2.15 billion yuan for 2025, reflecting a growth of 40.00% to 60.00% [1]. Group 2: Reasons for Performance Growth - Zhongji Xuchuang attributes its growth to strong investments in computing infrastructure by end customers, leading to increased product shipments and improved operational efficiency [2]. - Xinyi Sheng cites sustained growth in computing investments and a rapid increase in demand for high-speed products as key factors for its performance [2]. - Tianfu Communication's growth is linked to the accelerated development of the AI industry and the ongoing construction of global data centers, which has driven stable demand for high-speed optical devices [2]. Group 3: Market Trends and Future Outlook - Huaxi Securities notes that the AI inference sector is experiencing unexpected demand growth, which may lead to a systematic upward revision of profits due to a reassessment of market scale and capacity configuration [3]. - The overseas computing industry is forming a positive feedback loop characterized by technological iteration, application promotion, and explosive demand for AI inference, which is expected to sustain high capital expenditures in AI [3]. - The Chinese government is actively promoting AI applications, which is likely to continue driving domestic demand for AI computing power [4][5].

Core Viewpoint - The Shenzhen Luohu District Working Group is actively addressing the operational anomalies of Shenzhen Jie Wo Rui Jewelry Co., Ltd. and has initiated measures for asset disposal and fund raising to facilitate repayment to investors [1][3]. Group 1: Company Actions - Jie Wo Rui has started asset disposal and fund raising under the supervision of the working group, and has initiated repayment processes [1]. - The company has established an online signing channel for repayments and set up a physical consultation point at Luohu Sports Center, located at No. 48, Longsha Highway, Luohu District [1]. - A third-party professional institution has been commissioned to audit the company's operations, with preliminary results indicating that the reported amounts online are significantly exaggerated [1]. Group 2: Communication and Support - The working group has set up a public consultation hotline available daily from 9:00 AM to 6:00 PM, including weekends, to assist the public [1]. - The management team of Jie Wo Rui, including key personnel, remains in place and is actively engaging with investors regarding communication, asset management, and repayment efforts [4]. Group 3: Regulatory Oversight - Relevant authorities are investigating various leads and will handle matters in accordance with laws and regulations [2].

距离春节假期越来越近啦 明天（2月1日）可以购买 春节假期首日（2月15日）的火车票 定好闹钟，准时锁定↓ 今年春运将于2月2日启动 交通运输部初步预测 春运跨区域人员流动量单日峰值 今年春节假期及连休日是 2月15日至2月23日 共计9天 将出现在正月初六，即2月22日 预计全社会跨区域人员流动量将达3.4亿人次 今年，铁路12306推出 旅客误购票限时免费退等新服务 进一步提升旅客购票体验 《人居钱说》将小有限公司移动传播(增量。" 1月20日起 铁路部门推出 老年旅客电话订票服务 购买乘车日期为 2月2日及以后的预售期内距开车前3天及以上的 老年旅客火车票 可拨打铁路12306客服电话订票 井可选择线上或线下方式支付票款 年满60周岁及以上目为铁路12306注册用户的旅客 使用注册手机拨打12306客服电话,按"7"键后 直接转入人工服务,其他订票人按语音提示转入 人工服务。 提报拟订火车票的日期、车次、席别、人数、 支付方式等具体需求以及订票人的联系方式 和身份信息 目前仅受理持第二代居民身份证的 年满60周岁及以上的老年旅客订票业务 受理时间为每日8时至18时 《人民铁道》报业有限公司移动传播中心出 ...