A股指数集体低开：沪指跌0.21%，跨境支付、离境退税等板块跌幅居前

Market Overview - Major indices opened lower, with Shanghai Composite Index down 0.21%, Shenzhen Component Index down 0.27%, and ChiNext Index down 0.27% [1] - Shanghai Composite Index at 3281.45, Shenzhen Component Index at 9828.46, and ChiNext Index at 1929.27 [2] External Market - US stock indices showed mixed results, with Dow Jones up 0.28%, Nasdaq down 0.10%, and S&P 500 up 0.06% [3] - Notable movements in Chinese concept stocks, with NIO rising over 6% and several others increasing by more than 3% [3] Institutional Insights - Everbright Securities suggests the market may continue to see reduced trading volumes due to profit-taking and upcoming holiday [4] - Tianfeng Securities identifies three investment directions: AI technology, consumer stock valuation recovery, and low valuation dividends [5] - Zhongtai Securities highlights the investment value of bank stocks, particularly large banks and quality rural commercial banks [6] - CITIC Securities anticipates a stable competitive landscape in the food delivery industry, with long-term value release for platforms [7] Industry Analysis - Huaxi Securities emphasizes the growth potential of the optical module industry, driven by increasing demand for computing power and AI applications [9] - CITIC Jiantou reports a supply-demand imbalance in Low-Dk electronic yarn, with significant price increases expected in the traditional electronic fabric market [10] - Galaxy Securities expresses optimism about the performance boost for related companies from nuclear power unit approvals and production [11]