Nan Fang Du Shi Bao·2026-01-29 15:09Group 1: Banking Sector - Some banks have adjusted their deposit rates for accumulated gold business, with one bank's current interest rate dropping to 0% [2] - Ningbo Bank announced changes to its fixed deposit rates effective January 28, 2026, with rates set at 0% for current accounts, 0.3% for 1-month and 3-month deposits, 0.4% for 6-month deposits, and 0.5% for 12-month deposits [2] - Certain banks have increased the minimum purchase threshold for accumulated gold, and state-owned banks now require personal customers to undergo risk assessment for accumulated gold business [2] Group 2: Automotive Sector - Tesla reported better-than-expected Q4 earnings, leading to a 3% increase in its stock price post-announcement [4] - Despite the positive quarterly results, Tesla's annual revenue declined by 3%, marking the first annual revenue drop in the company's history [4] - Tesla plans to launch the third-generation Optimus robot, aimed at mass production and capable of performing various tasks, including factory work and childcare [4][7] - CEO Elon Musk indicated that production of Model S and Model X will gradually cease as the Fremont factory transitions to producing the Optimus humanoid robot [4] Group 3: Federal Reserve - The Federal Open Market Committee (FOMC) decided to maintain the federal funds rate target range at 3.5% to 3.75%, marking the first pause after three consecutive rate cuts [6] - The market is more focused on the selection of the next Federal Reserve Chair, as current Chair Jerome Powell's term ends in May 2026, although he can remain on the board until 2028 [6] - Powell emphasized the importance of the Fed's independence and suggested that his successor should remain politically detached [6] Group 4: Aviation Sector - The China Air Transport Association released a draft regulation aiming to standardize seat selection services for public air transport, ensuring passenger rights [6] - The draft proposes that at least 70% of economy class seats on domestic flights must be available for free selection, while international flights must have at least 65% [6] - Paid seat selection will only be permitted for international and regional flights, with domestic flights prohibited from offering this service [6] Group 5: Dairy Industry - The Xinjiang dairy company Maichuer is facing a significant operational crisis, with creditors applying for bankruptcy liquidation [9] - The company announced that a creditor has filed for bankruptcy proceedings, which could lead to a risk warning for its stock if accepted by the court [9] - Maichuer's stock price fell by 1.48% to 8.65 yuan per share, following its announcement of substantial losses exceeding 700 million yuan from 2022 to the first three quarters of 2025 [9]