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深圳公积金政策服务双升级助力市民安居
Shen Zhen Shang Bao· 2025-08-26 07:25
截至今年7月底,累计发放个人住房贷款53.08万笔、发放金额3717.63亿元 缴存职工在办理住房公积金业务。 今年以来,深圳市住房公积金管理中心坚持以高质量党建为引领,以解决办事群众的痛点难点堵点为目 标,以惠民政策为基石、技术革新为引擎、服务升级为保障,着眼缴存单位和职工办事需求,推动政务 服务提质增效,全力为群众排忧解难,为助力"住有宜居"提供了鲜活样本。 截至2025年7月底,深圳累计归集资金9792.67亿元;累计支持职工提取6344.84亿元,其中,支持 1014.55万缴存人租房提取2501.01亿元;累计发放个人住房贷款53.08万笔、发放金额3717.63亿元。 聚焦惠民政策,以制度普惠提升群众获得感 为进一步发挥住房公积金制度的保障作用,2025年3月,深圳市发布了《关于〈深圳市住房公积金贷款 管理规定〉的补充规定》和《关于我市住房公积金利息补贴有关事项的通知》,对深圳住房公积金贷款 和利息补贴政策进行调整优化。新政以"更高额度、更低门槛、更优服务"为核心,推出提高贷款额度、 下调首付款比例、加大利息补贴力度等多项有力举措,进一步满足职工的住房需求,更好发挥住房公积 金制度的保障作用。 最 ...
A股特别提示(8-22):外资机构加速入场布局A股,高盛、瑞银、摩根士丹利等最新研报认为A股中期展望向好
Sou Hu Cai Jing· 2025-08-22 00:48
Group 1 - Foreign institutions are accelerating their entry into the A-share market, with foreign holdings reaching approximately 2.5 trillion yuan, an 8% increase compared to the end of 2024 [1] - The total electricity consumption in China surpassed 1 trillion kilowatt-hours in July, marking a historical milestone, with a year-on-year growth of 8.6% [1] Group 2 - A new policy financial tool worth 500 billion yuan will focus on emerging industries and infrastructure, including digital economy and green low-carbon projects [2] - The State Council has approved a development plan for the biopharmaceutical industry chain in Jiangsu Free Trade Zone, emphasizing innovative exploration [2] - The National Foreign Exchange Administration will pilot green foreign debt business in 16 provinces and cities, encouraging cross-border financing for green projects [2] Group 3 - The implementation details of the cross-border asset management pilot in Hainan Free Trade Port have been established, effective from August 21 [3] - The A-share market saw a mixed performance with the Shanghai Composite Index closing at 3771.1 points, while small-cap stocks experienced significant adjustments [3] - Hong Kong's Hang Seng Index fell by 0.24%, with net inflows from southbound funds amounting to 7.461 billion HKD [3] Group 4 - Goldman Sachs reports that the current rally in the Chinese stock market is primarily driven by retail investors, with significant room for growth in small-cap stocks [4] - As of August 21, 171 A-share companies have announced dividend plans for the first half of 2025, with a total proposed distribution of 124.584 billion yuan [4] Group 5 - South Korean investors are increasingly buying Chinese assets, with a net purchase of approximately 499 million USD in Chinese stocks this year [5] - Kuaishou reported a 13.1% year-on-year revenue growth to 35 billion yuan in Q2, with a record net profit margin of 16% [5] - Bilibili's Q2 revenue grew by 20% to 7.34 billion yuan, driven by advertising and gaming business growth [5] Group 6 - Miniso's Q2 revenue reached 4.966 billion yuan, a 23.1% increase year-on-year, exceeding company guidance [6] - Alibaba announced plans to spin off Zhibao Technology for independent listing in Hong Kong, retaining over 30% ownership post-split [6] Group 7 - The average pig-to-grain price ratio in China has dropped below 6:1, prompting the government to initiate frozen pork reserves [6] - The National Development and Reform Commission is formulating guidelines to enhance health insurance services [6] Group 8 - China Petroleum & Chemical Corporation's Jianghan Oilfield has confirmed a shale gas reserve of 1650.25 billion cubic meters [7] - Chengdu has introduced new policies for public housing loans, reducing the minimum down payment to 15% [7] Group 9 - The 2025 Fortune China Technology 50 list includes Huawei, DeepSeek, and CATL in the top three positions [8] - The Federal Reserve is exploring new financial technology innovations, including the application of AI in payment systems [8] Group 10 - PepsiCo plans to increase the price of carbonated beverage concentrates by 10% starting September 7 [12] - The U.S. manufacturing PMI for August recorded a preliminary value of 53.3, the highest since May 2022 [12] Group 11 - Walmart's Q2 revenue grew by 4.8% to 177.4 billion USD, but adjusted EPS fell short of expectations [14] - The U.S. Treasury yields have collectively risen, with the 10-year yield reaching 4.316% [14] Group 12 - International oil prices have risen, with U.S. crude oil futures closing at 63.48 USD per barrel, supported by a significant drop in inventories [14] - The onshore RMB closed at 7.1778 against the USD, appreciating by 15 basis points [15]
理事沃勒呼吁美联储开放创新 支持数字资产与稳定币
智通财经网· 2025-08-20 22:28
Group 1 - The Federal Reserve should continue to support technology and innovation, particularly in emerging fields like digital assets and artificial intelligence, to modernize the U.S. payment system and drive economic growth [1][2] - The recent shift in the Federal Reserve's regulatory stance towards cryptocurrencies and related businesses is seen as a significant victory against "crypto de-banking," as it has gradually withdrawn special oversight of banks involved in crypto activities [1][2] - The Federal Reserve's July FOMC meeting minutes indicated that some participants believe stablecoins could enhance payment system efficiency and increase demand for underlying assets, such as U.S. Treasuries [2] Group 2 - Waller emphasized the importance of collaboration between the Federal Reserve and the private sector to embrace a "technology-driven revolution" propelled by innovations like tokenization, smart contracts, and distributed ledgers [2][3] - The Federal Reserve is actively researching new financial technology innovations, including tokenization and artificial intelligence, to enhance the payment system [3] - The introduction of the FedNow instant payment network aims to enable real-time fund transfers for eligible banks, helping the U.S. catch up with rapidly developing global real-time payment systems [2]
Tom Lee领航!Bitmine(BMNR.US)转型全球最大ETH储备库 剑指MSTR暴涨神话?
Zhi Tong Cai Jing· 2025-08-20 07:21
Core Viewpoint - Bitmine Immersion Technologies has transitioned from a Bitcoin mining company to a leading Ethereum reserve company, aiming to hold 5% of the global circulating supply of Ethereum, driven by the strategy of leveraging Ethereum's growth potential [1][3]. Group 1: Company Strategy and Growth - Bitmine has raised significant capital through stock issuance, expanding its operations to acquire Ethereum, and has become the largest Ethereum reserve institution with 1.15 million ETH valued at $5.2 billion [2][3]. - The company’s strategy mirrors that of Michael Saylor's Strategy, focusing on leveraging Ethereum's price appreciation to enhance shareholder value [3]. - As of August 11, Bitmine increased its Ethereum holdings by 316,863 ETH in one week, showcasing its aggressive accumulation strategy [2]. Group 2: Market Position and Valuation - Bitmine's total market capitalization stands at $6.33 billion, with its Ethereum holdings alone accounting for a significant portion of its asset value [2]. - Analysts believe that as Bitmine's Ethereum reserves grow, its net asset value will increase, potentially leading to a premium over its asset value if Ethereum continues to rise [1][2]. - The company is positioned to benefit from the increasing institutional interest in Ethereum, as evidenced by significant purchases from firms like BlackRock and SharpLink Gaming [5]. Group 3: Industry Context and Future Outlook - Ethereum is recognized as a decentralized platform that supports smart contracts and decentralized applications (dApps), making it a core player in the cryptocurrency ecosystem [4]. - The recent passage of the GENIUS Act establishes a federal regulatory framework for stablecoins, which could enhance Ethereum's liquidity and its role in asset tokenization [5]. - Tom Lee predicts that Ethereum could reach $25,000 by 2028, highlighting its potential as a major macro trading opportunity in the coming years [8].
研究| 稳定币是"救世主", 还是另一个庞氏骗局?
比特币的乌托邦理想与现实波动性困局 一、比特币的诞生背景与乌托邦愿景 (一)2008 年金融危机与中本聪 2008 年全球金融危机爆发,各国政府采取量化宽松政策,大量印钞以刺激经济,引发了公众对传 统金融体系的广泛质疑。同年,中本聪发表了《比特币:一种点对点的电子现金系统》的白皮书, 提出了一种全新的货币体系——比特币。这一创新不仅回应了人们对金融自由和隐私保护的诉求, 也为后来的稳定币发展奠定了基础。 (二)去中心化货币理念 比特币的核心理念是去中心化,即通过点对点交易实现价值的转移,无需依赖银行或中央机构。这 种设计使得比特币的账本分散在全球无数电脑上,每一笔交易都由网络中的节点共同验证和确认。 这种去中心化的模式不仅提高了系统的透明度和安全性,还为用户提供了更高的隐私保护。 (三)比特币设计中的反通胀机制 (四)早期比特币社区的理想主义 2.挖矿减半机制:比特币的挖矿奖励每21万个区块(大约每四年)减半一次,这使得比特币的供 应增长速度逐渐放缓,最终在2140年左右达到2100万枚的上限。随着时间的推移,新产生的比特 币数量越来越少,从而进一步增强了其稀缺性和抗通胀能力。 比特币的设计中包含了一个重要的 ...
震哥带你扒皮SOLO项目:这玩意儿就是个等着割韭菜的短命盘!
Sou Hu Cai Jing· 2025-08-04 02:49
Group 1 - The SOLO project is criticized as a potential scam, with claims of smart contracts and consensus mechanisms being seen as misleading [2] - The project employs a 55-copy model, which is considered to be on the edge of a pyramid scheme, with a warning that projects requiring recruitment are likely to be fraudulent [3] - Promises of static returns of 30% are deemed unrealistic, likening them to misleading financial claims [3] Group 2 - The extensive online promotion of the project suggests a quick profit scheme, with skepticism about its claimed "blood-generating" function for stable earnings [6] - The project is compared unfavorably to other low-quality projects, indicating a lack of credibility and potential for failure [8] - A strong warning is issued to investors to protect their funds, as the project is unlikely to succeed [8]
一场新的P2P骗局,正在酝酿?
虎嗅APP· 2025-08-04 00:39
Core Viewpoint - RWA (Real World Assets) is emerging as a significant narrative in the financial sector, with the potential to transform traditional assets into tokenized forms, leading to a market size of approximately $16 trillion by 2030, which could represent 10% of global GDP [5][6]. Summary by Sections Definition of RWA - RWA refers to tangible and intangible assets in the real world, such as real estate, gold, bonds, and intellectual property [6]. - In the context of blockchain and fintech, RWA represents a financial revolution by tokenizing traditional assets, making them more accessible for investment [7]. Mechanism of RWA - RWA allows traditional assets to be fragmented and sold on blockchain platforms, enabling broader participation in high-value assets [8]. - It provides a financing channel for asset holders and investment opportunities for funders, theoretically achieving a win-win situation [9]. Comparison with P2P Lending - RWA is seen as an evolution of the P2P lending model, replacing internet platforms with blockchain technology to enhance transparency and trust [9]. - Unlike P2P, which relies on borrower credit, RWA uses verifiable real assets as collateral, making the process more reliable and less prone to manipulation [9]. Challenges and Risks - Despite improvements, RWA still faces risks similar to those that led to the collapse of P2P lending, particularly concerning asset verification and the potential for fraudulent projects [12]. - The liquidity and pricing of non-standardized assets linked to RWA can be volatile, posing additional risks to investors [13]. Geopolitical Implications - RWA is not just a financial innovation but also a geopolitical tool, with significant influence from state-level actors and major financial institutions [15]. - The global RWA market is projected to reach approximately $255 billion by mid-2025, with private credit and U.S. Treasury securities dominating the landscape [15]. Financial Sovereignty Concerns - The rise of RWA could challenge national monetary policies and financial sovereignty, as it facilitates capital flows into U.S. dollar-denominated assets, potentially undermining local currencies [17][19]. - Countries are exploring local stablecoins to mitigate risks associated with the dominance of dollar-based stablecoins and RWA [18]. Conclusion - RWA represents a complex interplay of financial technology, geopolitical strategy, and market dynamics, posing both opportunities and risks for individual investors [19].
提额度、扩场景、优服务 优化公积金政策精准惠民生
Jing Ji Ri Bao· 2025-08-04 00:20
Core Viewpoint - The article discusses the recent adjustments and optimizations in housing provident fund policies across various cities in China, aimed at enhancing housing security and reducing the cost of home purchases for residents [1][2][3]. Group 1: Policy Adjustments - Many cities have increased the loan limits and lowered the down payment ratios for second homes, expanding the coverage and applicability of the housing provident fund [1][2]. - In Shenzhen, the maximum loan amount has been raised to 2.31 million yuan, with the loan limit increasing from 14 times to 16 times the account balance, and the minimum down payment ratio set at 20% [2]. - Cities like Nanjing and Huai'an have also raised the maximum loan limits, with Huai'an increasing the limits to 840,000 yuan for single contributors and 1.2 million yuan for joint contributors [3]. Group 2: Expanded Coverage - New policies have broadened the scenarios for fund withdrawal, allowing for the use of provident funds for second-hand home purchases and other housing-related expenses [5][6]. - Qingdao has introduced a new policy allowing fund withdrawals for elevator upgrades in residential buildings, enhancing living conditions [6]. - The scope of inter-city loans has been expanded, with Nanjing extending the eligibility for loans to the entire Jiangsu province [6]. Group 3: Service Efficiency Improvements - Cities are leveraging technology to enhance service efficiency, with Shenzhen integrating AI and blockchain into housing provident fund services [7]. - Qingdao has streamlined the loan application process, reducing the processing time from 20 working days to under 6 days, improving efficiency by 70% [8]. - The introduction of a "housing provident fund payment" platform in Qingdao allows for real-time transfers for various housing expenses, improving convenience for users [8].
提额度、扩场景、优服务—— 优化公积金政策精准惠民生
Jing Ji Ri Bao· 2025-08-03 21:56
Core Viewpoint - The article discusses the recent adjustments and optimizations in housing provident fund policies across various cities in China, aimed at enhancing housing security and reducing the cost of home purchases for residents [1][2][3]. Policy Adjustments - Many cities have relaxed restrictions on the use of housing provident funds, making them more accessible and beneficial for residents [2][3]. - In March, Shenzhen increased the maximum loan amount to 2.31 million yuan and lowered the minimum down payment ratio to 20%, while also removing restrictions on loans for non-local residents [2]. - Other cities like Nanjing and Suzhou have also raised loan limits and expanded eligibility for fund withdrawals, with Nanjing extending the loan term from 20 to 30 years [3][6]. Coverage Expansion - Cities are broadening the scenarios in which provident funds can be withdrawn, including for second-hand homes and home renovations, thereby addressing diverse financial needs of residents [5][6]. - Qingdao has introduced new policies allowing fund withdrawals for elevator upgrades in residential buildings, enhancing living conditions [6]. - The expansion of loan eligibility and withdrawal scenarios aims to stimulate housing consumption and support the real estate market [5][6]. Service Efficiency Improvement - Various cities are leveraging technology to enhance the efficiency of housing provident fund services, such as integrating AI and blockchain for smoother transactions [7][8]. - Shenzhen has implemented a digital platform for real-time fund transfers, allowing residents to use their provident funds for various housing-related expenses [8]. - Qingdao has streamlined the loan application process, reducing processing times significantly, thus improving the overall user experience [8]. Conclusion - The adjustments in housing provident fund policies reflect a concerted effort by local governments to alleviate housing pressures and improve the living conditions of residents, while also aiming to stabilize the real estate market [1][2][3].
德林控股(01709)与Asseto订立认购协议
智通财经网· 2025-08-01 00:12
Group 1 - The core agreement involves Delin Holdings agreeing to subscribe for 77,400 Class A ordinary shares of Asseto Holdings Limited for a total subscription price of $1.2903 million, representing approximately 3.23% of Asseto's enlarged issued share capital post-transaction [1] Group 2 - Asseto is a leading fintech company in the Asian tokenization market, focusing on the tokenization of real-world assets (RWA) and integrating traditional finance (TradFi) with decentralized finance (DeFi) [2] - The company aims to diversify its revenue sources by expanding its product line to include funds, bonds, stocks, private credit, real estate, and various alternative assets [2] - Asseto has established a strong strategic industry partnership network, including companies preparing to apply for a stablecoin license in Hong Kong [2] Group 3 - The subscription is a significant milestone for the group to achieve its strategic goals, allowing the company to enter a rapidly growing market and leverage advanced technologies in blockchain and smart contracts [3] - The existing partnerships with leading firms, such as HashKey Group and major global asset management companies, provide valuable ecosystem connections for future product co-development and cross-market promotion projects in Asia and internationally [3]