此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾期 信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起就不 予展示相关逾期信息。 第二种情形是个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，征信系统于次月月月底 前不予展示相关逾期信息。比如，个人在2026年1月还清欠款的，相关具体信息在2月月底前即可展示为 正常还款状态。 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上，中国 人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于符合条 件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人信用 报告中的逾期信息需要通过每月的"还款状态"和"逾期金额"两个数据项进行反映。一次性信用修复政策 实施后，对于符合条件的逾期信息，"还款状态"将由"逾期"标识调整为 ...

贵金属价格走强，有几方面原因。 一方面，货币政策预期强化。美国11月失业率攀升至4.6%，高于市场预期，引发投资者对美联储2026年降息路径的重新定 价。实际利率下行预期持续支撑金价。 另一方面，美元指数走弱，削弱美元计价资产的持有成本，提升黄金对海外买家的吸引力。 此外，避险与配置需求升温。 12月22日早盘，贵金属品种集体大涨。 截至发稿，伦敦金现走势强劲，日内涨幅超过1%，报4386.48 美元/盎司， 再创历史新高。现货白银涨破68美元/盎司关 口，刷新历史高点，日内涨2.75%，年内累涨约1.38倍。广期所铂期货全部合约触及涨停。 | 国际贵金属 | | | | | | --- | --- | --- | --- | --- | | 名称 | 现价 | 涨跌 | 涨跌幅 | 年初至今 | | 伦敦金现 | 4386.489 | 48.129 | 1.11% | 67.16% | | 伦敦银现 | 68.892 | 1.843 | 2.75% | 138.49% | | COMEX電金 | 4418.6 | 31.3 | 0.71% | 67.42% | | COMEX白银 | 69.160 | 1. ...

经济基本面的结构性失衡也加剧了日元贬值压力。数据显示，日本贸易收支已连续4年出现逆差，2025 年前10个月逆差达1.5万亿日元，进口货款多以美元支付，直接加剧日元贬值压力；更严峻的是，同期 服务收支逆差高达5.6万亿日元，且呈扩大趋势。此外，日本政府推出的18.3万亿日元经济刺激计划引发 市场对财政赤字化的担忧，国际投资者对其财政纪律的质疑声日益增多，进一步动摇日元信用基石。 对于后市走势，机构普遍持谨慎态度。摩根士丹利此前预测，若日银如期加息，美元兑日元将逐步下探 154.40支撑位，2026年一季度可能跌至140关口；三菱日联金融集团则预计2026年初汇价向150水平靠 拢，但当前市场表现已偏离部分机构前期预期。分析人士指出，单纯的货币紧缩已不足以将日元拉出干 预"危险区"，若无法从根源上解决贸易收支失衡、财政扩张等结构性问题，日元或难以扭转下行趋势。 2025年12月22日，东京外汇市场上美元兑日元汇率维持震荡走高态势，汇率报157.2900，值得关注的 是，这一走势出现在日本央行12月19日宣布加息之后，市场对政策提振日元的预期落空，反而推动美元 兑日元汇率突破157关口，延续近期贬值趋势。 此次汇 ...

今年1月成立的合肥零次方机器人有限公司，半年时间已经完成三轮融资。"融资资金将重点投向技 术攻坚、量产提速和生态布局，加速具身智能产业发展。"该公司负责人说。 中央经济工作会议提出，"创新科技金融服务""引导金融机构加力支持扩大内需、科技创新、中小 微企业等重点领域"。 为了提升金融服务科技创新质效，安徽在全国首创金融支持科创企业"共同成长计划"；创新开 展"贷投批量联动"试点并全省推广；组建科技成果转化引导基金、设立省级天使基金群、构建"价值发 现—规范培育—分类辅导"的全链条上市服务机制…… "十四五"以来，全省科技型企业贷款连跨7个千亿元台阶、增长5.6倍。截至11月末，全省共有139 家科技型企业在境内上市，占全部境内上市公司比重75%。"科创出题+金融答题"，安徽正持续推动"政 产学研金服用"融合发展，打造"科技—产业—金融"闭环生态。 半年时间、三轮融资 翻倍提升的审批额度 核心创始团队源自清华"00后"，合肥零次方机器人有限公司于今年1月成立，正致力于人形机器人 的前沿技术研发与商业化落地。 继2月份拿下天使轮融资后，7月份，该公司完成了"天使+"和"天使++"轮亿元级融资。"天使+"轮融 资由 ...

大家早上壕！ 先看海外要闻： 上周五美股反弹，道指收涨0.38%，纳指收涨1.31%，标普500收涨0.88%；甲骨文收涨6.63%、博通收涨3.18%、英伟达收涨3.93%、谷歌A涨 1.55%、特斯拉则收跌0.45%，Meta跌0.85%。 此外，美光科技收涨涨约7%，CoreWeave涨超22%，超威半导体、超微电脑涨超6%。 摩根士丹利有望牵头SpaceX IPO。 美军宣布35亿美元采购72颗导弹预警和跟踪卫星，是迄今为止美军低地球轨道星座最大一笔交易。 美国"星链"一颗卫星或爆炸失联。 高盛在最新报告中重申看涨黄金，预测金价将在2026年12月冲击每盎司4900美元历史新高。 国内重大事件汇总： 5、《互联网平台价格行为规则》印发，不得强制或者变相强制平台内经营者开通自动跟价、自动降价或者类似系统，平台经营者、平台内经营 者不得以低于成本的价格销售商品或者提供服务。 一周券商策略前瞻： 本周券商策略分析师对春季躁动依旧看好，随时或到来，只缺一个有效信号。 点评：国盛证券表示，商业航天是太空算力成立的核心成本变量，太空算力是商业航天释放价值弹性的关键应用场景，当前低轨与深空应用场景 正从"可行性验证 ...

Group 1 - The Bank of Japan raised its policy interest rate by 25 basis points to 0.75%, marking the highest level in 30 years, signaling a significant shift in monetary policy [2][5] - The central bank indicated that there is room for further rate increases as long as the economic growth outlook does not change significantly [2] - The recent depreciation of the yen, which fell to a 10-month low against the dollar, was a key factor prompting the rate hike, as it has led to rising import-driven inflation [2][6] Group 2 - The Bank of Japan aims to stabilize inflation around 2% while promoting real wage growth, which has been negative, to achieve sustained economic growth [3] - Concerns have been raised that the rate hike could exacerbate economic downturn risks, particularly for small and medium-sized enterprises facing increased financing costs [4] - The rising interest rates are expected to negatively impact household finances, with estimates suggesting an annual increase in expenses for indebted households [4] Group 3 - Despite the interest rate hike, the yen's exchange rate did not improve and continued to depreciate, reflecting a lack of confidence in the effectiveness of the monetary tightening [6] - Japan's trade balance has shown a deficit for four consecutive years, contributing to ongoing depreciation pressures on the yen [6][7] - The government's recent economic stimulus plan, amounting to 18.3 trillion yen, has raised concerns about fiscal discipline and could further undermine the yen's credibility [7]

昨天（12月21日），哈工大苏州高等研究院第二届技术成果发布和交易大会在吴中太湖新城举行， 通过建立常态化校企供需对接机制，促进"产学研用"深度融合，推动批量科技成果转移转化，加快培育 新质生产力，不断塑造发展新动能、新优势，助推地方产业转型升级和区域高质量发展。 记者了解到，为抢抓前沿科技革命与产业变革机遇，加速培育新质生产力，助力苏州构建多元化前 沿产业生态，哈工大苏州高等研究院聚焦未来产业布局和重大科技成果产出，启动实施"脑机接 口"和"空天飞行器"两项新兴交叉学科重点项目，开展关键领域核心技术攻关。在本次大会上，苏州市 脑机接口创新中心、苏州市空天飞行器创新中心两个市级研发平台揭牌。 大会现场，200项哈工大技术成果重磅发布，一批供需合作及投融资项目签约，一批高能级科创平 台揭牌。 哈工大苏州高等研究院坚持"需求来源市场、成果回到市场"，主动融入和服务地方产业发展大局， 加快构建全链条、全周期科技成果转化赋能体系，目前已深度挖掘900余项企业技术合作需求，孵化了 43家科技型企业。本次大会上，5个供需合作项目以及5个投融资项目完成签约。 为加快打造苏州科创核心引擎，大会现场，苏州市科技招商中心联合国泰 ...

Core Viewpoint - The central economic work conference emphasizes the importance of ensuring grain production and highlights the role of financial institutions in supporting grain procurement to safeguard national food security [3]. Group 1: Financial Support for Grain Procurement - Policy-based financial institutions, such as the Agricultural Development Bank, are actively providing credit support for grain procurement, with a total of 741 billion yuan in grain and oil purchase loans issued, an increase of 4.2 billion yuan year-on-year, supporting the purchase of 1,781 billion jin of grain, which is 400 billion jin more than the previous year [4]. - As of the end of November, the Agricultural Development Bank's Heilongjiang branch has issued 172.8 billion yuan in grain procurement loans for the 2025 grain year, an increase of 13.8 billion yuan year-on-year, supporting the purchase of 110 billion jin of grain [5]. - The introduction of the "Zhongchu e-loan" product aims to provide liquidity for borrowers qualified for grain bidding, allowing for rapid loan approval and disbursement, with over 30 million yuan already issued [5][6]. Group 2: Personalized Financial Services - Financial institutions have initiated emergency service mechanisms to support grain procurement amid adverse weather conditions, ensuring smooth operations during the autumn harvest [7]. - Zhejiang Rural Commercial Bank has launched specialized financial products such as "Harvest Loan" and "Agricultural Input Loan" to alleviate funding difficulties for farmers, with 110.97 million yuan in loans issued to 140 farmers [7]. - The Industrial and Commercial Bank of China in Huzhou has efficiently disbursed 10 million yuan in loans to a modern agricultural enterprise to support its grain procurement efforts [8]. Group 3: Insurance Support for Farmers - Insurance companies have played a crucial role in providing rapid response mechanisms for farmers affected by adverse weather, with claims processed quickly to alleviate financial pressure [10]. - The Ping An Insurance Company in Shandong has implemented a comprehensive service strategy to ensure timely claims and support for farmers, with 406 claims adjusters and 76 drones deployed for efficient damage assessment [11]. - Jiangsu's financial regulatory bureau has urged insurance companies to enhance their emergency response mechanisms, ensuring rapid claims processing and utilizing technology for accurate damage assessment, with 5.55 billion yuan in claims paid to farmers by the end of October [12].

Group 1 - Global markets are entering a "Christmas mode" with major stock markets in the US, Europe, and Hong Kong closing on Christmas Day. Key macroeconomic events include the 19th meeting of the 14th National People's Congress in China and the release of various economic data from the US and UK [2] - The "zero tariff" import policy for cars in Hainan has been implemented, but it only applies to enterprises in transportation and tourism, not individual consumers [2] - China has officially launched L3-level autonomous driving with the first dedicated license plate issued in Chongqing, marking a significant milestone in the automotive industry [2] Group 2 - The Central Economic Work Conference has prioritized "innovation-driven development" as a key task for the upcoming year, focusing on establishing a regional innovation system and enhancing the digital transformation of manufacturing [3] - The conference also emphasized the need to advance the construction of a unified national market and address issues of "involution" in competition, with new guidelines for pricing behavior in the automotive industry [3] Group 3 - The A-share market is experiencing high-level fluctuations as it approaches year-end, with structural opportunities expected to align with policy guidance and industry prosperity [4] - The CSI A500 ETF has seen significant inflows, surpassing 460 billion yuan in net inflows since December, indicating strong investor interest [4] - Public fund issuance has shifted focus from bond funds to equity funds, with a record number of new funds established this year [4] Group 4 - The MiniMax company is set to become the fastest AI company to go public, following the release of its post-hearing materials [5] - Guizhou Bailin has faced regulatory penalties for financial misconduct, with fines totaling 25.6 million yuan and a 10-year market ban for its chairman [5] Group 5 - The Chinese aviation cargo sector has shown robust growth, with a total cargo and mail transport volume of 9.243 million tons from January to November, a year-on-year increase of 13.6% [8] - The trust industry in China has surpassed 30 trillion yuan in asset scale, achieving significant growth in revenue and profit [8] - CNOOC announced that the Bohai Oilfield is expected to produce over 40 million tons of oil and gas equivalent by 2025, contributing to national energy security [8] Group 6 - The US House of Representatives is developing a cryptocurrency tax framework that will provide a "safe harbor" for certain stablecoin transactions [10] - The yield on money market funds is declining, with over 123 funds reporting annualized yields below 1% as of December 19 [10] Group 7 - Samsung has launched the industry's first 2nm process smartphone application processor, the Exynos 2600, which significantly enhances performance metrics [11] - McDonald's has opened its first store in Qinghai, achieving full coverage across all provincial-level regions in China [12]

Group 1 - ByteDance announced the release of the Doubao large model 1.8 and the Seedance 1.5 Pro video generation model, entering the "multimodal agent" field, with enterprise users able to access it via Volcano Engine API starting December 23 [2] - Changan Automobile received the first L3-level autonomous driving license in China, marking the country's advancement in commercializing autonomous driving [2] - Moore Threads unveiled its new GPU architecture "Huagang" at the MUSA Developer Conference, boasting a 50% increase in computing power density and a 10-fold efficiency improvement [3] Group 2 - SoftBank Group is working to finalize a $22.5 billion investment in OpenAI by year-end, potentially using its stake in Arm as collateral [3] - Guizhou Bailing faced penalties totaling 25.6 million yuan due to false records in multiple annual reports, with its stock being suspended and then marked as ST [5] - Alibaba's DingTalk initiated a secret project "D Plan" to enter the AI hardware market, speculated to launch smart hardware products [5] Group 3 - OpenAI improved its "compute margin" to 70% as of October, significantly up from 52% at the end of 2024 [8] - Nike projected a low single-digit revenue decline for Q3, reflecting weak consumer demand and increased market competition [8] - Tesla's CEO Elon Musk had a legal victory restoring his $55-56 billion compensation plan, which may impact the company's governance structure [8] Group 4 - Samsung Electronics launched the world's first 2nm mobile application processor Exynos 2600, with AI computing power increased by 113% compared to the previous generation [10] - Toyota launched the new Levin L and Corolla models, with prices starting at 129,800 yuan and 99,000 yuan respectively, while also expanding its hydrogen network in California [10] - Mitsubishi UFJ Financial Group acquired a 20% stake in Shriram Finance, part of a broader trend of mergers and acquisitions in Japan [10] Group 5 - BMW Group opened a battery recycling center in Bavaria, capable of processing several tons annually, utilizing innovative direct recycling technology [14] - LVMH continued to invest in high-end beauty brands to strengthen its competitive position in the beauty market [14] - Swedish Stegra's green steel plant project has surpassed 50% installation progress of its electrolyzers, aiming for production in 2026 [14]