人民币兑美元中间价报7.0078，下调14点

Group 1 - The central bank of China set the RMB to USD midpoint at 7.0078, a decrease of 14 points [2][5] Group 2 - The probability of the Federal Reserve maintaining interest rates in January is 95%, while the probability of a 25 basis point rate cut is 5% [3][7] - By March, the cumulative probability of a 25 basis point rate cut rises to 20.8%, with a 78.4% chance of maintaining rates [3][7] - The cumulative probability of a 50 basis point rate cut by March is only 0.9% [3][7]