美股全线下挫，原油高台跳水，携程大跌17%

Market Overview - US stock markets experienced a decline, with the Dow Jones falling by 42.36 points (0.09%) to 49,149.63, the Nasdaq dropping by 1.00% to 23,471.75, and the S&P 500 decreasing by 0.53% to 6,926.60 [2] - Major bank stocks continued to struggle, with Wells Fargo down 4.6%, Citigroup and Bank of America both falling over 3% [2] - Technology stocks faced significant sell-offs, with notable declines including Nvidia down 1.4%, Tesla down 1.8%, and Microsoft and Amazon both down 2.4% [2] Banking Sector - Wells Fargo's Q4 earnings report showed revenue falling short of market expectations due to weak investment banking performance [2] - Citigroup reported a year-on-year decline in net profit, although revenue saw a year-on-year increase [2] - Concerns were raised by JPMorgan executives regarding proposed credit card interest rate caps potentially harming consumer interests and overall financial sector profitability [2] Retail Sales and Economic Indicators - The US retail sales for November increased by 0.6%, the highest since July of the previous year, surpassing market expectations of 0.4% [3] - Core retail sales, excluding automotive, rose by 0.5%, with 10 out of 13 categories showing growth [3] - The Producer Price Index (PPI) for November rose by 0.2% month-on-month, with a year-on-year increase of 3.0%, driven largely by a 4.6% rise in energy prices [3] Real Estate Market - December home sales in the US reached their highest level in nearly three years, supported by declining mortgage rates [4] - Market analysts predict that the positive growth momentum in home sales will continue into 2026, although supply constraints remain a significant challenge [4] Federal Reserve Outlook - The Federal Reserve's Beige Book indicated slight to moderate economic growth in 8 out of 12 districts, with a generally optimistic outlook for future activity [4] - Fed officials expressed expectations for inflation to gradually decline and for economic growth to stabilize around 2% [4] - Market consensus suggests that the Fed will maintain interest rates in the first half of the year, with potential rate cuts anticipated later in the year [4]