金融观察员｜多项稳经济增量政策即将陆续落地；中小银行密集降息潮来袭

Group 1: Economic Policies and Market Trends - Multiple economic stabilization policies are expected to be implemented soon, covering key areas such as "two new" and "two heavy" policies, as well as stabilizing foreign trade [1] - The "two new" policies have been a significant driver for expanding domestic demand, with sales of digital products benefiting from new purchase subsidies exceeding 140 billion yuan [1] - Retail sales of home appliances have maintained double-digit growth for eight consecutive months, and investment in equipment and tools has increased by 18.2% year-on-year in the first four months of the year [1] Group 2: Banking Sector Developments - A wave of interest rate cuts has been initiated by small and medium-sized banks, with some fixed deposit rates falling below 1.5%, leading to a shift of funds towards the wealth management market [1] - The scale of bank wealth management reached 31.24 trillion yuan by early June, an increase of 144 billion yuan since the end of April [1] - Major wealth management firms are reducing fees to attract customers, with some products offering rates as low as 0.01% [1] Group 3: Trust and Financial Innovations - CITIC Trust has launched a bankruptcy service trust project to revitalize the Nanning Wuxiang Ocean City, which had been stagnant for five years, through judicial reorganization and substantial restructuring [2] Group 4: Regulatory Changes and Corporate Governance - Global regulatory bodies are tightening scrutiny on stablecoins, with total market capitalization surpassing 160 billion USD, and USDT holding over 70% market share [2] - Recent personnel changes at Guizhou Bank include the resignation of three directors due to "work arrangements," with new candidates proposed for board positions [4] - Several major wealth management subsidiaries have announced fee reductions, aligning with industry trends, but experts warn that relying solely on fee cuts without improving research and product quality may not sustain user engagement [4]