建议大家提前做好准备！9月开始，国内或将迎来4个重大变化

Economic Performance - In the first half of 2025, China's GDP grew by 5.3% year-on-year, and the per capita disposable income reached 21,840 yuan, also reflecting a nominal increase of 5.3% compared to the previous year [1] - The overall price level remained stable, with the Consumer Price Index (CPI) showing a slight year-on-year decline of 0.1% [1] Consumer Market Trends - A rebound in mid-to-low-end consumption is anticipated starting from September, with increased foot traffic in restaurants and tourist attractions [3][5] - High-end consumer markets, such as automobiles, real estate, and luxury goods, continue to experience low demand [5] Real Estate Market - The real estate market has seen ongoing policy relaxations since 2024, with most cities lifting purchase restrictions and banks reducing mortgage rates from 5.88% to 3.2% [7] - Despite these measures, the national second-hand housing prices have been declining for over 30 months, with a year-on-year drop of 7.32% in July [7] Banking and Investment Products - The banking wealth management market has grown, with a total scale of 30.67 trillion yuan as of June 2025, reflecting a year-on-year increase of 7.53% [9] - The trend of declining deposit rates has led many savers to invest in wealth management products, although some have faced losses due to falling money market yields and rising bond market risks [9] Artificial Intelligence Impact - The acceleration of artificial intelligence is leading to significant job displacement across various sectors, including customer service and delivery [11] - More jobs are expected to be replaced by AI technologies, particularly in manufacturing and banking, enhancing operational efficiency and reducing errors [11]