Core Viewpoint - The Federal Reserve, represented by Daly, emphasizes that it is not the first time the U.S. government has requested adjustments to monetary policy, highlighting the Fed's accountability to the American public [1] Group 1 - The Federal Reserve's independence is underscored, indicating that it operates with a focus on the broader economic implications rather than direct governmental influence [1] - Daly's statement reflects the ongoing dialogue between the government and the Federal Reserve regarding economic policy adjustments [1]

金十数据5月29日讯，潘森宏观分析师Oliver Allen表示，虽然即将公布的美联储5月货币政策会议纪要 可能不会有太多新内容，但投资者或能从中获得亟需的关键信息——在等待经济走向进一步明朗化之 际，美联储官员们考量的政策调整时间框架究竟如何。他指出，近期美联储官员讲话中对政策转向时机 的预测存在分歧：纽约联储主席威廉姆斯给出的区间为"6月或7月"，而亚特兰大联储主席博斯蒂克则预 计需要"三至六个月"。他在报告中强调："本次会议纪要至少可能透露一些线索，表明联邦公开市场委 员会（FOMC）成员预期何时能获得足够的决策依据。" 分析师：投资者或可从美联储会议纪要中获得政策时间表线索 ...

【环球网科技综合报道】5月28日消息，欧洲汽车制造商协会（ACEA）27日发布的最新数据显示，美国电动汽车制造商特斯拉4月在欧洲市场 的新车注册量仅为5475辆，较去年同期大幅下降52.6%，创下近两年来单月销量最大跌幅。 值得注意的是，今年前四个月，特斯拉在欧洲的累计注册量同比下滑约46%，市场表现持续低迷。 分析人士指出，特斯拉在欧洲市场的颓势与多重因素相关。一方面，欧洲本土电动汽车品牌加速崛起，宝马、大众、Stellantis等传统车企通过 推出高性价比车型抢占市场份额；另一方面，特斯拉供应链瓶颈与交付延迟问题仍未完全缓解，柏林超级工厂产能爬坡速度低于市场预期。 分析人士将部分销量下滑归因于消费者对特斯拉首席执行官埃隆·马斯克（Elon Musk）个人言论及行为的不满。近期，马斯克在社交媒体上的 争议性表态，以及其推动的X平台（原Twitter）内容审核政策调整，被指引发欧洲消费者对特斯拉品牌价值观的质疑，进而影响购买决策。 此外，欧洲市场对电动汽车补贴政策的调整、充电基础设施布局不均衡等问题，也为特斯拉等外资品牌带来挑战。尽管特斯拉在欧洲通过降价 策略试图刺激需求，但效果尚未显现。 行业观察人士表示， ...

Core Viewpoint - International gold prices experienced significant volatility and entered a correction phase in late May 2025, with spot gold falling below $3,300 per ounce, marking a 1.4% decline in a single day and approximately 6% down from the historical high of $3,509.9 in April [1] Group 1: Downward Driving Factors - Decrease in safe-haven demand due to progress in US-China and EU-US tariff negotiations and easing Middle East tensions, leading to a shift of funds from gold to risk assets like US stocks [1] - Strengthening US dollar with the index rising above 99.6, marking the largest weekly gain since March 2023, and a reduction in market expectations for interest rate cuts from 53 basis points to 47 basis points, increasing the opportunity cost of holding gold [3] - Technical selling pressure intensified after gold prices fell below the key psychological level of $3,300, triggering stop-loss orders in program trading, with a 12% weekly decrease in COMEX gold futures open interest and a 35% drop in speculative long positions [3] Group 2: Market Chain Reactions - Divergence in consumption and investment, with domestic gold jewelry prices dropping to 987 yuan per gram, over 100 yuan lower than the April peak, while A-share gold stocks experienced a single-day decline of over 3% [4] - Global largest gold ETF (SPDR Gold Trust) increased holdings by 28 tons, indicating long-term investment interest, while short-term trading funds accelerated withdrawals, with COMEX gold put options reaching a historical high [5] Group 3: Future Trend Assessment - Short-term risks include potential declines to the $3,135 range if the $3,280 support level is breached, with extreme scenarios testing the $3,000 mark, and increased market volatility expected ahead of the Federal Reserve's June rate decision and the US core PCE index release [7] - Long-term support logic includes a 170% year-on-year increase in global central bank gold purchases in Q1 2025 and the introduction of gold weight in BRICS countries' settlement mechanisms providing structural support [8] Group 4: Investment Recommendations - Prioritize purchasing from Shenzhen Shui Bei wholesale market or promotional brand products, avoiding high-premium gold jewelry with processing fees exceeding 200 yuan per gram [9] - Ordinary investors are advised to gradually build positions in gold ETFs or bank accumulation gold, maintaining a portfolio allocation of 5%-10% of household assets, while leveraged traders should be cautious of liquidity risks in US debt markets [10] Group 5: Technical Focus Points - Key support levels identified at $3,280 (EMA20 period moving average) and $3,135 (Fibonacci 50% retracement level), with resistance levels at $3,342 (May 27 opening price) and $3,365 (downward trend line resistance) [11]

一线再次得到消息，银行五年高息高返车贷可能会取消，这意味着全国所有4S店、直营店一项主要的促单业 务要没了。 对销售的影响肯定是有的，但同时我们也更想知道，如果银行高息高返业务取消后，用户还有哪些金融方案可 以选择？这次邀请了6位一线销售，大家一起来聊聊这件事。 上汽大众 常规车型贷款行情是比全款多优惠15000-16000，遇到难谈的客户再让点也可以。 我们店贷款渗透率在80%左右，几乎全都是高息高返，因为全款价格偏高客户难接受，也不不需要什么考核， 只能推贷款。 如果真取消了，那基本上36期就是最长贷款年限了，做比较多的应该会是18-24期的免息。 截止5月26日，问了交通银行、农业银行、光大银行、浦发银行，业务经理说有风声，但本地区还没有正式消 息。正在进行的业务一点不受影响，该怎么做就怎么做。按以往经验，在正式消息出来前，都会有一个缓冲 期。 本店地处二线末端城市，小小的城市有六家上汽大众店，为了每个月可怜巴巴的销量，各家店卷到了极致。银 行返利我们全部给了客户，例如ID3贷款10万，车价可以额外优惠15000元。 本店做高息高返车贷的比例能占分期总数的70%以上，占比高的原因是首付低、价格优惠多、月 ...

2025.05. 27 本文字数1561，阅读时长大约3分钟 作者 | 一财评论员 汽车市场再次刮起了价格战。 23日比亚迪宣布启动"6·18"限时促销活动，数十款车型在促销之列，最高补贴达5.3万元。3月底以 来，比亚迪连续3个月开展限时"一口价"或者限时补贴活动，通过厂家补贴、现金补贴等方式降价， 涉及车型从10款非智驾车型延展至22款智驾车型。26日吉利、上汽的部分车型开始跟进，汽车价格 战再度硝烟四起。 面对车企价格战重启，资本市场上26、27日两日汽车股承压收绿。 应该如何看待这次价格战？ 价格战能在中国汽车行业频繁打响，这本身就反映出近年来中国在产业结构、经济结构上的巨大进 步，证明了中国汽车行业的发达程度和活跃水平。 不论是中国行业发展史，还是世界经济发展史，都用一个个鲜活的案例，佐证了价格战聚敛的是行业 核心竞争力。如本世纪初中国家电行业频繁启动的价格战，用事实说明了，企业竞争力，行业向上的 增长力，都是靠公平竞争的价格战打出来的。当年的价格战没有影响中国家电行业的蒸蒸日上，反而 造就了中国制造的一次崛起。 不能把价格战简单地与"内卷式"恶性竞争划上等号，只要汽车领域的价格战不出现损人不利己的 ...

Core Viewpoint - The recent price war in the automotive market, particularly in the electric vehicle sector, reflects the maturity and competitiveness of China's automotive industry, indicating a shift towards sustainable service models rather than mere product sales [3][4][5]. Group 1: Price War Dynamics - BYD initiated a promotional campaign on June 18, offering subsidies up to 53,000 yuan, marking a continuation of price reduction strategies that began in March [1]. - Following BYD's lead, other manufacturers like Geely and SAIC have also started to engage in price competition, intensifying the automotive price war [1][2]. - The price war is seen as a normal market competition rather than a destructive "involution" as long as it does not lead to unfair practices like dumping or quality degradation [3][4]. Group 2: Implications for Policy and Industry - The resurgence of the price war suggests that the Chinese electric vehicle industry has matured to a point where government subsidies may no longer be necessary, prompting a reevaluation of existing support policies [4]. - The government is encouraged to consider ending subsidies for electric vehicles, as companies engaging in price wars should not simultaneously benefit from state incentives [4]. - Financial performance data from Q1 indicates that companies like BYD and Geely have achieved revenue growth and maintained positive net profits, reinforcing the legitimacy of the price war [4]. Group 3: Evolution of Automotive Business Models - The automotive industry is transitioning from a focus on product sales to a model centered around sustainable services, reflecting changes in consumer behavior and technology [5]. - As electric vehicles become more multifunctional and integrated into various service scenarios, the core value of automobiles is expected to shift towards service satisfaction rather than just transportation [5]. - This evolution may lead to new business models, such as purchasing smart driving capabilities while enjoying mobile office and consumption services [5].

Group 1 - The Bank of Japan's Governor Ueda Kazuo indicated that if the economy improves as expected, the central bank will continue to raise the benchmark interest rate, which has strengthened the yen [1] - Ueda stated that the central bank has lowered its economic and inflation outlook due to increased uncertainty, particularly related to trade policy risks, but still expects core inflation to gradually approach 2% in the latter half of the forecast period [1][2] - Japan's core CPI accelerated to 3.5% year-on-year in April, marking three consecutive years of meeting or exceeding the central bank's target, with expectations for May data to continue this trend [1] Group 2 - Ueda highlighted that Japan is experiencing a second round of supply shocks due to soaring food prices, which requires close monitoring, particularly the transmission effect of food inflation on core inflation [2] - The government plans to release more rice reserves to stabilize the market and has introduced energy subsidies covering gasoline, natural gas, and electricity to alleviate household financial pressure [2] - The Bank of Japan halved its growth forecast for the current fiscal year and postponed the timeline for achieving its inflation target by one year, which was interpreted as a dovish signal [3]

Core Viewpoint - The "one big beautiful bill" passed in the House on May 22, with a potential Senate vote in June, aims to significantly increase the U.S. fiscal deficit over the next decade, addressing structural issues like income inequality and re-industrialization, while also facing global geopolitical competition [1] Group 1: Legislative Impact - The bill includes tax cuts, spending reductions, an increase in the debt ceiling, and policies related to defense and immigration [1] - A combined version of the bill is expected to be completed by July 4, aligning with Trump's expectations [1] Group 2: Fiscal Implications - The legislation is likely to lead to a substantial increase in the U.S. fiscal deficit over the next ten years [1] - The U.S. may not have the objective conditions to effectively reduce the deficit in the medium to long term due to structural issues [1] Group 3: Market Reactions - Following the increase in the debt ceiling, a wave of U.S. debt issuance is anticipated between July and September [1] - This situation may compel the U.S. to accelerate monetary and financial policy adjustments, such as initiating quantitative easing (QE) and expediting SLR exemptions to provide liquidity to the U.S. debt market [1]

金十数据5月26日讯，徐州市住房公积金管理中心发布《关于优化调整住房公积金有关政策的通知》。 其中提到，缴存人还清住房公积金贷款后，在徐州市购买改善性自住住房申请住房公积金贷款，不受贷 款次数限制；扩大异地贷款支持范围凡住房公积金缴存在长三角地区，在徐州市购买自住住房或已办理 个人住房商业贷款，且符合徐州市贷款条件的，均可在徐州市办理住房公积金贷款或组合贷款；实施购 房提取公积金代际互助政策缴存职工购买我市新建商品住房的，在签订商品房买卖合同后，购房人本 人、配偶及直系亲属（父母、子女）即可申请提取住房公积金用于支付购房首付款。 江苏徐州调整公积金政策 ...