明确未经债务人同意，严禁在每日晚22:00至次日早8:00进行各类催收。 1月30日，中国银行业协会制定发布了《金融机构个人消费类贷款催收工作指引 (试行)》（下称《指引》），通过催收行为定义、催收行为规范、外部催 收机构管理、内控管理、促进行业健康发展等方面，加强行业自律、规范业务发展。 该《指引》自发布之日起施行，《中国银行业协会信用卡催收工作指引试行》将同步废止。 划定"催收红线"，全覆盖规范行为 《指引》明确了适用范围，涵盖中国银行业协会会员单位发放的信用卡、个人消费贷款产品，其他类型个人贷款产品可参照执行。在催收行为界定上，将 电话催收、信函催收、外访催收、司法催收及通过短信平台、企业微信号等开展的其他催收均纳入自律范围，实现催收方式全覆盖。 为保护债务人合法权益，《指引》划定了严格的"催收红线"。明确未经债务人同意，严禁在每日晚22:00至次日早8:00进行各类催收；电话催收时，对债务 人同一联系方式当日尝试拨打次数不宜超过6次，避免过度骚扰。 在个人信息保护方面，要求会员单位和外部催收机构严格遵守个人信息保护相关规定，不得泄露债务人信息或将其用于催收之外的其他用途，获取联系信 息也需通过合同约定 ...

Core Viewpoint - Iran is engaging in dialogue with the United States, prioritizing diplomatic solutions over military conflict, as stated by Iranian President Ebrahim Raisi and other officials [2][3]. Group 1: Diplomatic Developments - Iranian officials, including the Secretary of the Supreme National Security Council, Ali Shamkhani, indicated that a negotiation framework is gradually forming, contrasting with media narratives of conflict [3]. - U.S. President Donald Trump acknowledged that Iran is seeking an agreement and has communicated a deadline for reaching a deal [3]. Group 2: Regional Tensions - The U.S. has been increasing pressure on Iran by deploying multiple naval vessels, including aircraft carriers, in the Middle East, signaling potential military intervention [3]. - There have been numerous rumors regarding attacks on Iranian military leaders and facilities, which Iranian officials have denied as false [3].

Cryptocurrency Market Overview - Bitcoin experienced a significant drop, falling to $75,500 before recovering slightly to $78,739.4, marking a decline of 6.49% [1] - Ethereum followed a similar trend, dropping to $2,202.4 and currently trading at $2,439.46, down 9.87% [3] - Other cryptocurrencies such as SOL and Dogecoin fell over 10%, while SUI and BNB dropped more than 9%, and ADA decreased by over 8% [5] Liquidation and Market Impact - In the past 24 hours, the cryptocurrency market saw liquidations totaling $2.559 billion, affecting over 420,000 traders. Long positions accounted for $2.4 billion of the liquidations, while short positions were $150 million [5] - The largest single liquidation occurred on Hyperliquid-ETH, valued at $223 million [5] Precious Metals Market Reaction - Precious metals experienced a sharp decline, with silver dropping over 25%, platinum and palladium down more than 10%, and gold falling over 9% [7] - The market attributed these declines to the nomination of Kevin Warsh as the next Federal Reserve Chair by Trump, which raised concerns about the independence of the Fed and strengthened the dollar, negatively impacting gold and silver prices [7][8] Federal Reserve Policy Expectations - Following Warsh's nomination, market expectations shifted, with traders anticipating two interest rate cuts this year, compared to previous forecasts of only one cut in 2026 and another in 2027 [8] - The Federal Reserve maintained the federal funds rate in the range of 3.50% to 3.75% during its last meeting, with Chairman Jerome Powell indicating that current data does not suggest a significantly restrictive policy [9]

深圳罗湖再发通报 根据通报，罗湖区工作专班持续介入处置深圳市杰我睿珠宝有限公司（以下简称"杰我睿公司"）经营异常事件。在工作专班督促下，杰我睿公司 处置资产、筹集资金，已启动兑付。通报显示，杰我睿公司已开通线上签约兑付渠道，并设立线下接洽办理点（地址：罗湖体育馆，罗湖区罗沙 公路经二路48号）。 此外， 此前 ，网传杰我睿公司涉及的金额超过百亿元。 通报 显示， 在工作专班监督下，杰我睿公司已委托第三方专业机构对公司经营情况进行审计。 初步结果显示，网传金额明显夸大。 据悉，相关部门正对各类线索进行核查，将依法依规处理。同时，工作专班已设立群众咨询热线电话：0755-25690100，0755-25690162（每天 9：00—18：00，含周末）。 近日，深圳水贝黄金珠宝市场发生黄金预定价平台"跑路"事件，引发市场关注。 近日，深圳市杰我睿珠宝有限公司及多个关联线上平台出现兑付困难，波及全国多地投资者，事件引起高度关注。罗湖区工作专班在28日发布情 况通报之后，于31日再度发布情况通报。 投资者变得谨慎 除了"杰我睿"事件，国际金银价格剧烈震荡也引起市场关注。北京时间1月31日凌晨，黄金白银等贵金属"高台跳 ...

霍尔木兹甘省危机管理总局局长要求民众不要轻信谣言，以官方渠道发布的消息为准。 阿巴斯港消防局局长称，阿巴斯港受损建筑物内的所有居民和伤者均已被疏散，事故原因正在调 查中。 综合自：央视新闻、新华社、CCTV国际时讯 责编：万健祎 伊朗南部一居民楼爆炸。 当地时间1月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。 随后，据伊朗塔斯尼姆通讯社报道，有关伊朗伊斯兰革命卫队海军司令阿里礼萨·坦格西里遇刺的 传闻不实。 转载与合作可联系证券时报小助理，微信ID：SecuritiesTimes END 点击关键字可查看 潜望系列深度报道丨 股事会专栏 丨 投资小红书 丨 e公司调查 丨 时报会客厅 丨 十大明星私募访谈 丨 周末打虎！王祥喜，任上被查 丨 马斯克，被曝大动作！打造"科技巨无霸" 丨 制造业运行有所波 动！统计局最新发布，重要经济数据出炉 丨 黄金、白银，暴跌！贵金属全线跳水 丨 史诗级暴跌！ 白银一度重挫18% 丨 吴清：全力巩固资本市场稳中向好势头 丨 证监会发布！引导行业长期投资 丨 16宗IPO审理暂停！刚刚，香港证监 ...

SpaceX 在相关文件中解释称，该系统将面向未来数十亿用户，为大规模AI推理及数据中心级别 的应用提供必需的计算能力。这些卫星计划分布在高度500公里至2000公里之间的轨道上，采用 约30度的太阳同步轨道倾角，并集中在宽度不超过50公里的狭窄轨道壳层内运行，以便为其他潜 在类似系统预留空间，避免轨道冲突。 按照设计，上述星座将依靠太阳能供电，通过激光与现有星链网络相连，从而将轨道数据中心的 计算结果路由传送到全球地面用户手中。这一布局如果成功，将成为太空算力与通信融合的重要 里程碑，进一步扩展SpaceX在近地轨道服务的覆盖范围与技术能力。 目前，中美两国是当前太空算力与太空数据中心的主要引领者，已形成两种截然不同的发展路 径。深企投产业研究报告显示，美国由于地面数据中心面临严峻的能源与散热资源约束，其科技 巨头对太空算力商业化的需求更为迫切，凭借在商业航天运力方面的显著优势，加速推进在轨计 算验证与星座部署，有望在短期内实现技术原型和早期商业化应用的突破。 SpaceX申请部署百万颗卫星。 根据美国联邦通信委员会（FCC）最新披露的文件，SpaceX 正计划构建一个规模空前的太空算力 卫星星座。其卫星数 ...

习近平在中共中央政治局第二十四次集体学习时强调 发挥比较优势 坚持稳中求进 推动我国未来产业发展不断取得新突破 中共中央政治局1月30日下午就前瞻布局和发展未来产业进行第二十四次集体学习。中共中央总书记习 近平在主持学习时强调，新一轮科技革命和产业变革加速演进，前沿技术不断涌现，引领和支撑未来产 业快速崛起。要站在推进强国建设、民族复兴伟业的战略高度，立足客观条件，发挥比较优势，坚持稳 中求进、梯度培育，推动我国未来产业发展不断取得新突破。 中国信息通信研究院余晓晖同志就这个问题进行讲解，提出工作建议。中央政治局的同志认真听取讲 解，并进行了讨论。 习近平在听取讲解和讨论后发表重要讲话。他指出，培育发展未来产业，对于抢占科技和产业制高点、 把握发展主动权，对于发展新质生产力、建设现代化产业体系，对于提高人民生活品质、促进人的全面 发展和社会全面进步，都具有重要意义。近年来，党中央高度重视，强化政策支持，推动未来产业发展 呈现良好势头。 习近平强调，未来产业具有前瞻性、战略性、颠覆性等特点，需要科学谋划、全局统筹。要聚焦"十五 五"时期我国未来产业发展的主攻方向，科学论证技术路线，提升前沿技术战略预判能力。要综 ...

Group 1 - Wang Xiangxi, the Secretary of the Party Committee and Minister of the Ministry of Emergency Management, is under investigation for serious violations of discipline and law [2] - The last public activity attended by Wang Xiangxi was on January 27, where he chaired a meeting of the Party Committee to summarize the 2025 annual democratic life meeting [3]

Core Viewpoint - The article discusses the recent military activities of the People's Liberation Army (PLA) Southern Theater Command in the South China Sea, particularly around Huangyan Island, emphasizing China's assertion of sovereignty and response to perceived provocations from the Philippines [2][4]. Summary by Sections Military Activities - In January, the PLA Southern Theater Command organized air and naval forces for combat readiness patrols in the waters and airspace surrounding Huangyan Island, showcasing military presence and operational capability [1][2]. - The patrols included formations of H-6K bombers and fighter jets, which conducted flights in the southeastern airspace of Huangyan Island [1]. Response to Provocations - The article highlights that the Philippines has illegally designated a military exercise area that encroaches upon China's territorial waters, particularly affecting Huangyan Island, which China views as a serious infringement of its sovereignty [2]. - The Southern Theater Command's patrols serve as a practical rebuttal to the Philippines' claims, indicating that the Philippines' proposed no-fly zone is ineffective and merely theoretical [2]. Humanitarian Efforts and Regional Stability - China has engaged in humanitarian rescue operations for Filipino personnel and vessels, demonstrating a commitment to international cooperation and peace in the South China Sea [4]. - Despite having the capability to counter any provocations from the Philippines, China has exercised restraint to maintain regional stability, while the patrols serve as a warning against further Filipino provocations [4].

Core Viewpoint - The U.S. federal government has entered a "technical shutdown" due to funding issues, occurring less than three months after the longest shutdown in history, which lasted 43 days [1][3]. Group 1: Government Shutdown Details - The Senate passed a $1.2 trillion funding bill for several federal departments, but the House of Representatives will not vote on it until the following week, leading to a temporary funding interruption [3][4]. - The technical shutdown began at midnight on January 31, affecting non-essential federal employees who will be placed on unpaid leave, and some government services may be delayed or interrupted [3][6]. - The funding bill passed by the Senate will provide funding until September 30 for most departments, excluding the Department of Homeland Security, which will receive a two-week extension for further negotiations [4][5]. Group 2: Economic Impact - The current technical shutdown is expected to have limited direct impact on financial markets and economic operations, but prolonged negotiations could extend the shutdown and increase its effects [7]. - The previous shutdown caused an irreversible economic loss of approximately $11 billion, and this shutdown could affect about 45% of the 2.2 million federal employees, with over 500,000 potentially working without pay and another 480,000 on forced leave [7]. - Key departments affected include the Department of Defense, Department of Homeland Security, Department of State, Department of Treasury, Department of Labor, Department of Health and Human Services, Department of Education, and Department of Transportation [7].