新浪财经资讯AI速递：昨夜今晨财经热点一览 丨2025年12月31日

Currency and Economic Policy - The RMB to USD exchange rate broke the 7.0 mark on December 30, 2025, with an annual appreciation exceeding 4% [1][9] - The Federal Reserve's third interest rate cut of the year has led to a general decline in domestic bank USD deposit rates, with most falling below 3% [1][9] - The combination of currency appreciation and declining interest rates has effectively neutralized the interest income from USD deposits [1][9] Consumer Subsidies - The National Development and Reform Commission announced a new subsidy policy for replacing old household appliances, effective in 2026 [1][10] - Consumers can receive a subsidy of 15% of the sales price for purchasing energy-efficient appliances, with a maximum subsidy of 1500 yuan per item [1][10] Economic Rankings - Indian media reported that India has surpassed Japan to become the world's fourth-largest economy, based on purchasing power parity [1][11] - Predictions indicate that India may surpass Germany within the next three years, potentially becoming the third-largest economy globally [1][11] Market Trends - The domestic futures market experienced significant declines in precious metals and some non-ferrous commodities on December 30, 2025, with platinum and palladium futures hitting the limit down [2][12] - Analysts suggest that the recent downturn is not due to a deterioration in fundamentals but rather a response to previous rapid price increases and regulatory cooling measures [2][12] - The market is expected to enter a period of volatility, with recommendations for investors to adopt a defensive strategy and manage risk carefully [2][12] Household Savings - A new household savings classification system categorizes savings into six levels, with most households falling into the second tier (100,000 to 300,000 yuan) [3][13] - Only 0.37% of households have savings exceeding 500,000 yuan, indicating a concentration of wealth in lower tiers [3][13] Corporate Developments - Moutai announced that its flagship product, the 53-degree 500ml Flying Moutai, will be available on its official self-operated platform "i Moutai" starting in 2026 [3][14] - This move aims to enhance market-oriented transformation and ensure fair access for consumers while stabilizing market dynamics [3][14] Real Estate Taxation - The Ministry of Finance introduced a new regulation requiring individuals to pay a 3% value-added tax on the sale of homes purchased less than two years prior, effective January 1, 2026 [6][15] - Homes held for two years or more will be exempt from this tax, with previous policies being abolished [6][15] Tax Regulations - The State Council released the "Implementation Regulations of the Value-Added Tax Law," effective January 1, 2026, detailing taxpayer obligations and tax rate applications [7][16] - The regulations aim to enhance tax administration and ensure effective implementation of the value-added tax law [7][16]