区域银行信贷“暴雷”引发担忧，美股指数集体收跌，中概股多数下跌

Market Overview - The three major U.S. stock indices closed lower, with regional bank loan issues causing investor unease and trade tensions adding to market pressure [1] - Zions Bank experienced a significant drop of 13% due to unexpected loan losses in its California division, raising concerns about potential credit stress in the banking system [1] - Western Alliance fell by 10.8% after filing a fraud lawsuit against a borrower, reflecting ongoing market anxiety regarding commercial loan risks [1] - The VIX index, known as the "Wall Street Fear Index," surged to 25.31, marking the highest closing level since April 24 [1] - Investor sentiment is heavily influenced by the uncertainty surrounding global trade, which is exacerbating market instability [1] Earnings Expectations - Analysts predict that S&P 500 companies will see an overall earnings growth of 9.2% year-over-year for Q3, an increase from the previous estimate of 8.8% [2] Sector Performance - The Dow Jones Industrial Average fell by 301.07 points (0.65%) to 45,952.24, while the Nasdaq dropped by 107.54 points (0.47%) to 22,562.54, and the S&P 500 declined by 41.99 points (0.63%) to 6,629.07 [3] - Almost all sectors in the S&P 500 index declined, with the financial sector down 2.75% and the energy sector down 1.12% [3] - Regional bank ETFs fell by 6.20%, while the banking sector ETF dropped by 5.42% [3] Stock Performance - Major tech stocks generally declined, with Tesla down 1.47%, Meta down 0.76%, and Apple down 0.76% [4] - Gold prices surpassed $4,300 per ounce, reaching a new historical high, benefiting precious metal stocks [4] - TSMC provided an optimistic outlook regarding AI-related spending, although many AI-related stocks experienced pullbacks [4] Company News - Apple is reportedly planning to launch its first Mac computer with a touchscreen and M6 chip, marking a significant design shift [6] - Microsoft announced a major upgrade to Windows 11, integrating AI features to enhance user experience [7] - Lyft plans to establish a new technology center in downtown Toronto next year, expanding its presence in the Canadian market [7]