智通财经APP获悉，周二，三大指数下跌，道指与标普500指数均录得连续第四个交易日下跌。纳指则 录得六个交易日内的第五次下跌。比特币一度跌破90000美元，显示投资者风险偏好减弱。 知情人士：沙特获准采购大量美国AI芯片。据媒体报道，知情人士透露，在特朗普会见沙特王储之 际，美国计划批准首批向沙特阿拉伯人工智能公司Humain出售先进AI芯片的交易，这标志着这家国家 支持的企业取得了胜利。他们表示，预计这些批准将成为华盛顿与利雅得之间更广泛AI协议的一部 分。该协议可能最快于本周敲定，根据协议，美国政府将对沙特的大批量AI芯片出口申请持积极态 度。自2023年以来，沙特需要华盛顿的许可才能进行此类芯片采购。特朗普当地时间周二表示："我们 正在努力解决这个问题。该交易将涉及一定数量的芯片。"一位知情人士表示，预计批准的数量将达到 数万颗半导体。美国政府此次授权也将标志着全球最大的一些半导体公司（包括英伟达和AMD）的胜 利，它们正寻求向中东市场供货。 美国新一批数据发布时间敲定 涉CFTC周报、PPI等。美国劳工部一位发言人表示，劳工部计划在当地 时间周四结束前补齐政府停摆期间缺失的周度初请失业金数据。发言人R ...

在通胀顽固、货币政策反复、地缘政治不确定性持续加剧的背景下，全球金融市场的紧张情绪正在迅速 升温。分析师和投资者密切关注银行及金融板块走势，许多龙头股正接近关键技术支撑位，这一微妙局 面引发了对于潜在风险外溢的高度担忧。一旦跌破这些关键门槛，不仅可能暴露更深层次的结构性问 题，还可能引发更广泛的市场动荡，加剧经济不确定性，促使投资者重新评估跨资产类别的风险敞口。 分析师指出，当前的市场环境在脆弱与韧性之间摇摆，金融机构正面临严峻考验。如果这些重要支撑位 无法守住，冲击或将扩散至信贷供给、消费者信心乃至整体经济增长。金融市场高度互联，任何局部的 压力点都可能迅速传导，使银行股表现成为整体金融健康的"风向标"。 所谓"关键支撑位"，是指股票在历史走势中形成的底部区间，是买盘集中、阻止价格进一步下跌的关键 区域，通常通过前期低点、长期均线(如200日、50周)或重要心理价位识别。对于金融板块而言，这类 技术位置尤为重要，因为金融体系被视为宏观经济的核心结构，一旦跌破往往意味着市场情绪明显转 弱，甚至进入新的下行周期。 多重压力共同把金融股推向敏感位置。全球央行此前的一轮激进加息虽曾短期推升银行净息差，但也收 紧了信 ...

来源：第一财经 数据显示，美国银行和金融股正处于跌破关键支撑位的边缘，向整个股市发出了警告信号。该板块的疲 软是由于信贷问题和交易员削减对美联储降息的押注共同推动的，这威胁到市场寄希望于年底上涨的支 柱之一。KBW银行指数在过去五个交易日内下跌了4.5%，标普500银行指数同期录得2.9%的跌幅。 Miller Tabak首席市场策略师Matt Maley写道："如果银行股在未来一两周内继续大幅下跌，将对这个至 关重要的群体发出重大警告信号。"Maley认为，金融股的下跌表明"股市看涨的论点开始出现相当多的 裂痕"，因为当投资者预期即将降息时，市场对该板块的期望很高。Maley写道，信贷状况进一步恶化的 证据将导致市场出现额外的波动。现在看来，金融公司面临的一些'一次性'问题……可能不像许多专家 告诉我们的那样'特殊'。 ...

It might sound surprising, but many people have money sitting in bank accounts that they’ve long since forgotten. Old checking or savings accounts can slip through the cracks after a move, a career change, or even when a bank merges with another financial institution. According to the National Association of Unclaimed Property Administrators (NAUPA), states throughout the country return billions of dollars in unclaimed funds to their rightful owners every year. If you think you might have unclaimed accou ...

作为中德金融合作的重要参与者，中国工商银行在本届活动中受到特别关注。中国工商银行金融市场部 总经理王海璐表示，工商银行自1999年在法兰克福设立首家亚洲以外海外分行以来，已深耕德国和欧洲 市场26年，服务网络从法兰克福拓展至柏林、慕尼黑、杜塞尔多夫等德国主要城市，在欧洲16国建立综 合机构布局，业务范围延伸至公司金融、金融市场、清算结算等多元领域。 11月17 日，中国工商银行金融市场部总经理王海璐在活动现场发表致辞。 新华社发（张琪 摄） 新华社法兰克福11月18日电（记者 胡尊元）第28届欧元金融周暨第11届"中国日"活动17日在德国金融 中心法兰克福举行。中国工商银行法兰克福分行荣获"法兰克福金融中心杰出贡献奖"。 11月17 日，中国工商银行法兰克福分行荣获"法兰克福金融中心杰出贡献奖"。 新华社发（张琪 摄） 中国驻法兰克福总领事黄昳扬在致辞中表示，在国际环境波动加剧、不稳定性和不确定性显著上升的背 景下，中德关系保持稳健发展，关键在于三点：一是两国在各层级始终保持高度的沟通与相互理解意 愿；二是双方在金融等专业领域合作持续深化；三是双方长期发展理念高度契合，未来可在"创新、开 放、可持续"领域不断 ...

Group 1 - The article emphasizes the importance of effective complaint channels for consumers to protect their rights when businesses harm their legitimate interests [1][2] - Online complaint platforms, such as the 12315 Internet platform, are highlighted for their authority and efficiency in handling consumer complaints related to product quality, false advertising, and price fraud [1][2] - Third-party complaint platforms like Black Cat Complaints are noted for their flexibility and broad coverage across various sectors, allowing consumers to submit complaints easily and prompting businesses to respond under public scrutiny [2][3] Group 2 - Social media platforms are identified as powerful tools for consumers to voice their complaints directly to companies, leveraging the rapid spread of information to prompt corporate responses [2][3] - Industry forums and communities serve as additional venues for consumers to share experiences and exert pressure on companies, potentially leading to industry-wide discussions and improvements [3] - Traditional complaint channels, such as consumer associations and industry regulatory bodies, are recognized for their reliability and ability to mediate disputes effectively, providing professional guidance to consumers [4][6]

◎记者 张琼斯 金融机构的高效运行与精准发力，关乎金融支持经济高质量发展的成色。《中共中央关于制定国民经济 和社会发展第十五个五年规划的建议》（下称"十五五"规划建议）提出，优化金融机构体系，推动各类 金融机构专注主业、完善治理、错位发展。 这一部署紧扣当前金融业发展痛点，为破解行业"内卷"困局、引导金融资源高效配置指明了方向。业内 专家认为，这既是服务实体经济的必然要求，也是防范金融风险、提升行业竞争力的关键之举。 金融业同质化竞争和"内卷"现象突出 在业内人士看来，党中央对于金融机构专注主业、错位发展的重视，缘于近年来部分金融行业存在的痛 点：主责主业定位模糊、业务赛道拥挤、同质化竞争激烈…… "当前金融业存在较为突出的同质化竞争和'内卷'现象。"上海金融与发展实验室首席专家、主任曾刚在 接受上海证券报记者采访时表示，"十五五"规划建议提出的"专注主业""错位发展"等要求，正是针对这 些现实问题的精准施策。 作为我国金融业的"绝对主力"，银行业"内卷"现象较为突出。曾刚表示，各类银行机构在业务定位上明 显趋同：一些大型银行下沉做小微，部分中小银行却热衷于对公大客户和政府平台业务；有的城商行、 农商行跨区域 ...

Group 1 - As of Q3 2025, the number of A-share listed companies in Shenzhen reached 424, with a total market capitalization exceeding 11 trillion yuan, ranking second nationwide [2][6] - In the first three quarters of 2025, Shenzhen's listed companies generated operating income of 5.20 trillion yuan and net profit of 457.8 billion yuan, representing year-on-year growth of 7.36% and 3.98% respectively, with revenue growth outpacing the national average [2][6] - Shenzhen's private equity and venture capital fund size approached 1.37 trillion yuan, investing in approximately 13,800 small and medium-sized enterprises and over 11,100 high-tech companies, continuously injecting capital into the real economy [2][4] Group 2 - The structure of Shenzhen's listed companies is characterized by a high proportion of high-tech enterprises, with about 80% of newly listed companies being from the Sci-Tech Innovation Board and the Growth Enterprise Market [3] - The private sector plays a dominant role, contributing over 90% of employment in the city, and Shenzhen has around 20 companies with a market value exceeding 100 billion yuan [3] - Shenzhen's capital market has shown significant achievements in supporting the real economy, with equity financing exceeding 400 billion yuan and bond financing (including ABS) surpassing 2.4 trillion yuan during the 14th Five-Year Plan period [4][5] Group 3 - The Shenzhen capital market has enhanced its role as a hub for high-level circulation of technology, capital, and industry, with 213 companies listed on the Growth Enterprise Market and Sci-Tech Innovation Board, the highest among major cities in China [4][5] - Since the introduction of the "Merger and Acquisition Six Guidelines," Shenzhen listed companies have executed 497 mergers and acquisitions, involving amounts exceeding 90 billion yuan [5] - The bond market in Shenzhen has seen steady growth, with companies raising over 2.4 trillion yuan through bonds since 2021, and the introduction of innovative mechanisms such as the "Tech Board" for bonds [5][6] Group 4 - The market ecosystem in Shenzhen has been strengthened with the simultaneous enhancement of innovation vitality and comprehensive competitiveness among market entities, including listed companies, securities firms, and private equity institutions [6][7] - In the first three quarters of 2025, 24 securities firms in Shenzhen achieved operating income exceeding 100 billion yuan and net profit exceeding 45 billion yuan, leading the nation [6] - Shenzhen's public fund management companies reached an asset management scale of 12.3 trillion yuan, with public fund management scale at 8.36 trillion yuan, ranking second nationwide [6] Group 5 - Looking ahead to the 15th Five-Year Plan, Shenzhen's capital market aims to focus on serving new productive forces and deepening reform and innovation, striving to build a globally influential industrial financial center [3][8] - Venture capital institutions are seen as catalysts for technological innovation, effectively addressing the financing challenges faced by technology enterprises during their growth phases [8] - Shenzhen plans to guide patient capital towards high-tech and high-quality sectors, promoting technological breakthroughs and industrial upgrades while enhancing the multi-level market system [9]

美联储巴尔金：确实要担忧银行对私人信贷的风险敞口问题。 来源：滚动播报 ...

周六的深圳福田街头，香港青年李尊明熟练地打开手机扫码，用新办的内地信用卡买了店里的新款球 鞋。这张小小的卡片，是他作为"北上生活圈"一员的重要凭证。 "有了内地信用卡，坐飞机有贵宾厅，日常支付也更方便。"李尊明告诉第一财经记者。如今，像他这样 每周北上消费的香港居民正催生新的金融需求。他们带着香港的信用记录，希望在内地获得贷款和金融 服务。 这一变化正在深港两地悄然发生。越来越多的港人选择在大湾区长期居住，从"消费北上"升级为"生活 北上"，进而催生了信贷、社保等全方位的跨境服务需求。在香港金融科技周上，香港环联信贷的亚太 首席产品官冼迪云透露，目前香港居民"北上"贷款的需求有所提升。 "北上买社保"也成为社交平台上的新热点。港人李生给记者算了一笔账：每月缴纳898元养老保险，20 年后在深圳退休，预计每月可领3000多元退休金，"这样领几年就能回本"。广东省社会保障基金管理局 数据显示，截至2024年8月，港澳居民在粤参加养老、工伤、失业保险共33.28万人次，较2021年底前增 长118.93%。 北上贷款需求出现 过去，深港跨境信贷多呈现"南向"流动，以内地企业和居民在港融资、开户为主，其中多数案例依托 ...