美股齐跌，热门中概股下挫，黄金突破4300美元

Market Overview - The U.S. stock market opened high but closed lower, with regional banks reporting credit losses, raising concerns about potential financial risks [2] - The Dow Jones Industrial Average fell by 301.07 points to 45952.24, a decline of 0.65%; the S&P 500 dropped by 41.99 points to 6629.07, down 0.63%; and the Nasdaq Composite decreased by 107.54 points to 22562.54, a drop of 0.47% [2] Sector Performance - Among the 11 sectors of the S&P 500, 10 closed lower, with the financial sector leading the decline at 2.75%, followed by the energy sector [3] - In technology stocks, Tesla fell by 1.47%, Meta and Apple both decreased by 0.76%, while Amazon and Microsoft dropped by up to 0.51%. Google A saw a slight increase of 0.17%, and Nvidia rose by 1.10%. Salesforce surged by 4% due to expectations of revenue exceeding $60 billion by 2030 [3] Regional Bank Issues - Zions Bancorporation reported unexpected losses of approximately $50 million from two commercial and industrial loans, leading to a 13% drop in its stock price. This news negatively impacted the regional banking sector, with Western Alliance falling by 10.8% after announcing a fraud lawsuit against a borrower. The KBW Regional Banking Index experienced its largest single-day decline in nearly four months, dropping nearly 4% [3][4] Economic Outlook - Analysts indicate that the asset quality pressure on regional banks is becoming evident amid prolonged high interest rates and slowing economic growth. The credit market is described as being in a "highly tense" state, where any potential risk signals could be amplified [4] - Macroeconomic uncertainties continue to trouble the market, with trade policy fluctuations significantly increasing market volatility. Investors are beginning to reprice economic growth risks [4] Federal Reserve Insights - Federal Reserve Governor Christopher Waller expressed a preference for a 25 basis point rate cut in the upcoming October policy meeting, contingent on mixed labor market data. However, if employment and GDP remain robust, the pace of easing may slow. Governor Stephen Miran supports a more aggressive rate cut approach [4] - According to the CME FedWatch tool, the market anticipates a 25 basis point rate cut this month, with only a 3.2% probability for a 50 basis point cut [4] Bond Market Reaction - U.S. Treasury yields fell further, with the 10-year Treasury yield decreasing by 6.9 basis points to 3.976%, marking a new low since April. The two-year yield dropped by 8 basis points to 3.426% [4] Commodity Market Movements - In response to rising risk sentiment, funds flowed into the precious metals market, with spot gold accelerating to surpass $4300 per ounce, gaining nearly $100 and increasing by approximately 2.5%, reaching a new historical high. COMEX gold futures rose by 2.45% to $4304.6 per ounce [5] - The oil market continued its downward trend, with WTI futures falling by 1.47% to $56.99 per barrel, and Brent crude decreasing by 1.37% to $61.06 per barrel [5]