美联储：美国上周银行存款18.373万亿美元，之前一周18.344万亿美元。 ...

与此同时，阿联酋银行体系的存款规模持续扩大。5月底，即期存款总额突破1.166万亿迪拉姆，较 去年底的1.109万亿迪拉姆显著增加。其中，本币存款8925.77亿迪拉姆，外币存款2743.29亿迪拉姆。 （原标题：阿联酋央行黄金储备前五个月增逾25%） 阿通社阿布扎比2025年8月20日电 据阿联酋中央银行今日公布的统计公报显示，今年前五个月，央 行黄金储备大幅增长25.899%，截至5月底已达289.33亿迪拉姆，高于去年底的229.81亿迪拉姆。 据了解，央行黄金储备在5月环比上升0.49%，由4月底的287.91亿迪拉姆增至289.33亿迪拉姆。 报告显示，储蓄存款总额为3595.7亿迪拉姆，较去年底增长逾400亿迪拉姆。其中，本币存款 3055.08亿迪拉姆，外币存款540.62亿迪拉姆。 值得关注的是，定期存款在5月底首次突破1万亿迪拉姆大关，达到1.013万亿迪拉姆，其中本币 6148.54亿迪拉姆，外币3983.48亿迪拉姆。 ...

美联储：美国上周银行存款18.322万亿美元，之前一周18.297万亿美元。 ...

Core Viewpoint - Jordan's economy has shown a growth rate of 2.7% in both the last quarter of the previous year and the first quarter of this year, with expectations to maintain this growth rate throughout the year [1] Economic Performance - Inflation rate in Jordan for the first half of the year is recorded at 2% [1] - Tourism revenue has reached $3.7 billion [1] - Foreign exchange reserves stand at $22 billion, sufficient to cover 8.4 months of import needs [1] - Bank deposits in May amounted to 477 billion Jordanian Dinars [1] Economic Vision Progress - The Central Bank of Jordan has completed 90 out of 94 initiatives outlined in the 2023-2025 economic vision, with the remaining initiatives progressing smoothly [1]

Core Viewpoint - There are several reasons why some individuals advise against investing in large-denomination certificates of deposit (CDs), despite their higher interest rates compared to regular deposits [1][10]. Summary by Categories 1. Declining Returns - The interest rates for large-denomination CDs are decreasing, making it difficult for investors to preserve capital or outpace inflation. For instance, the interest earned on a large-denomination CD has significantly dropped compared to previous years [2][10]. 2. High Entry Barriers - Many individuals face financial constraints as large-denomination CDs typically require a minimum deposit of at least 200,000 yuan, with some products having even higher thresholds. This limits the ability to diversify investments and may leave insufficient funds for emergencies [4][10]. 3. Liquidity Risks - Early withdrawal of large-denomination CDs results in interest being calculated at the lower regular deposit rate, leading to significant interest losses if funds are needed unexpectedly [5][10]. 4. Difficulty in Acquiring High-Interest Products - High-interest large-denomination CDs are scarce due to banks reducing costs by lowering high-interest deposit products. Many banks have either stopped offering these products or have them sold out, making it challenging for investors to secure them [8][10]. 5. Alternative Investment Strategies - The evolving financial market offers various options for managing funds beyond large-denomination CDs. Investors are encouraged to consider a mix of strategies, such as regular deposits for safety, money market funds for better liquidity, and fund dollar-cost averaging for higher returns [10].

Core Insights - The Federal Reserve reported that U.S. bank deposits reached $18.312 trillion last week, an increase from $18.205 trillion the previous week [1] Group 1 - U.S. bank deposits increased by $107 billion week-over-week [1]

Core Insights - The Federal Reserve reported that total bank deposits in the United States decreased to $18.206 trillion last week from $18.251 trillion the previous week [1] Group 1 - Total bank deposits in the U.S. are currently at $18.206 trillion [1] - The previous week's bank deposits were recorded at $18.251 trillion, indicating a decline [1]

Core Insights - The Federal Reserve reported that U.S. bank deposits amounted to $18.206 trillion last week, a decrease from the previous week's total of $18.251 trillion [1] Summary by Category - **Banking Sector** - U.S. bank deposits decreased by $45 billion week-over-week, indicating a potential trend in deposit outflows [1]

Core Viewpoint - The Chinese real estate market continues to face severe adjustments, with average second-hand residential prices in 100 cities dropping to 15,173 yuan per square meter, marking a 22-month consecutive month-on-month decline [1]. Group 1: Market Conditions - In February, the average price of second-hand residential properties fell to 15,173 yuan per square meter, with 99 out of 100 cities experiencing month-on-month price declines [1]. - The number of cities with declining prices has exceeded 90 for nine consecutive months, indicating a persistent downturn in the market [1]. - Despite various government policies aimed at stimulating demand, such as relaxing purchase restrictions and lowering mortgage rates, the effectiveness of these measures has been limited [1]. Group 2: Investment Perspectives - There are two contrasting viewpoints regarding investment decisions in the current market. One perspective suggests that favorable policies signal a good time to buy, especially as bank deposit rates decline [3]. - Conversely, a cautious viewpoint highlights the significant risk of a real estate bubble, suggesting that storing funds in a bank is a safer option compared to purchasing property [5]. - Notable entrepreneur Cao Dewang argues that real estate has become a "hot potato" among the wealthy, and its value may ultimately depreciate, recommending that individuals with 1 million yuan should consider saving rather than buying property [5]. Group 3: Financial Implications - Storing 1 million yuan in a bank could yield approximately 20,500 yuan in annual interest at a 2.05% interest rate, which can help cover living expenses [7]. - Purchasing property would likely lead to substantial mortgage debt, significantly reducing disposable income and increasing financial pressure [7]. - In the current market environment, saving money in a bank is viewed as a more prudent and stable choice compared to buying real estate, which is perceived as less reliable for value retention [9].

Core Viewpoint - The real estate market in China is undergoing a significant adjustment, with a notable decline in housing demand and prices, leading to a cautious investment environment for cash holders [1][3]. Group 1: Market Conditions - In June, data from 100 cities showed that only 37 cities experienced a month-on-month increase in new residential prices, while 45 cities saw declines; the second-hand housing market is even more challenging, with only 8 cities seeing price increases and 91 cities experiencing declines [1]. - The inventory pressure is increasing, with the number of second-hand residential listings in 13 key cities rising to 1.99 million, a 25% increase from the beginning of the year, particularly in Shanghai, Wuhan, and Xi'an, which saw increases of 82%, 72%, and 40% respectively [1]. Group 2: Policy Responses - Over 300 real estate control policies have been implemented across more than 100 cities in 2023, including the removal of purchase restrictions in over 20 cities and a reduction in bank mortgage rates to below 4% [3]. - Despite these policies, the effectiveness in reversing the downward trend in the real estate market remains uncertain [3]. Group 3: Demand Trends - The demand for housing is decreasing due to an aging population, declining marriage and birth rates among young people, and the prevalence of multiple property ownership among urban residents, which reduces the proportion of first-time homebuyers [4]. - The speculative buying trend is waning as falling prices and increased second-hand listings diminish the profit potential for investors, leading to a potential withdrawal of funds from the market [6]. - The demand for improved housing is also declining as income expectations decrease and consumer behavior becomes more rational post-pandemic, resulting in a persistent oversupply of properties [6]. Group 4: Investment Strategy - Given the current market conditions, it is suggested that cash holders consider a cautious approach, opting for savings rather than immediate investment in real estate, with the potential to purchase properties at lower prices in the future [3][6].