Group 1 - The personal pension system is entering a critical phase as the deadline for annual contributions approaches in December 2025, marking the last opportunity to enjoy tax benefits for the year [1] - The personal pension system, as the "third pillar" of the pension insurance framework, offers dual benefits of tax savings and asset appreciation, enhancing retirement security [1] - JD Finance has launched a monthly activity for pension contributions, lowering participation barriers and increasing the attractiveness of pension savings [1] Group 2 - Since the pilot launch on November 25, 2022, the personal pension system has been in place for three years, with an increasing variety of investment options available [2] - JD Finance has introduced over 180 pension fund products, including target date, target risk, and index allocation types, along with stable products like national pension whole life insurance [2] - The current "slow bull" trend in the equity market presents a historic opportunity for the personal pension business, enhancing investor confidence and encouraging long-term participation [2]

在欧洲议会最新的表决中，一项提议旨在将被冻结的俄罗斯资产直接转移给乌克兰，但遭到了455名议 员的明确反对，只有77名议员表示支持，另外还有53人选择弃权。紧接着，另一项关于剥夺俄罗斯企业 参与林根核电站合作资格的提案，也未能通过，最终以453票反对、130票支持的结果宣布失败。 Euroclear的首席执行官已多次向欧盟高层发出警告：如果动用这笔资金，俄罗斯将发起全球范围的法律 诉讼，规模足以让这一金融机构陷入瘫痪，甚至崩溃。比利时首相也曾当众质问其他成员国：你们可以 倡导没收，但如果导致我国金融体系崩溃，谁愿意为我们出钱救助？现场没有人回应，因为大家都清 楚，一旦触碰这个敏感问题，谁做出决定，谁就必须独自承受随之而来的法律后果与资本撤离潮。 这两项提案接连被否决，表面上看是政策分歧，但其实背后反映出欧洲核心国家在对待俄罗斯问题上的 深层顾虑。并非缺乏道义立场，而是对动用主权资产可能引发的连锁反应存在极高的警惕。要真正理解 这一决策逻辑，我们必须去除情绪化的政治语言，深入分析其背后的地缘政治、金融体系和商业现实。 首先，德国的战略焦虑是其中的一个重要因素。绿党提出的转移资产的方案，名义上是为了支援乌克 兰， ...

今日周三(12月10日)亚盘时段，白银期货目前交投于14185一线上方，今日开盘于13761元/千克，截至发 稿，白银期货暂报14348元/千克，上涨5.25%，最高触及14388元/千克，最低下探13735元/千克，目前来 看，白银期货盘内短线偏向看涨走势。 打开APP，查看更多高清行情>> 【要闻速递】 美国总统特朗普将于本周对美联储主席候选人进行最后一轮面试，白宫国家经济委员会主任凯文·哈塞 特将与其余三位候选人共同参与角逐。 据三名政府高级官员透露，特朗普与财政部长斯科特·贝森特已安排在周三面试前美联储理事凯文·沃 什。 尽管部分华尔街投资者担忧哈塞特与总统关系过密，可能导致过于激进的降息政策，但其目前仍被视为 接替鲍威尔的最可能人选，预计明年五月有望上任。然而，继续开展额外面试的安排显示，最终人选尚 未完全确定。有官员提出了哈塞特可能缩短任期的方案。 此前，贝森特已向白宫提交了一份四人候选名单，除哈塞特与沃什外，其余两位将从"其他最终候选 人"中选出，其中包括美联储理事克里斯托弗·沃勒、美联储理事米歇尔·鲍曼以及贝莱德高管里克·里德 尔。 【最新白银期货行情解析】 沪银本周预期的做多点位在13250 ...

Core Insights - COP30, held in Belém, Brazil, marked the tenth anniversary of the Paris Agreement, but achieved only symbolic progress on key issues, failing to meet the expectations of climate-vulnerable countries for stronger climate action [3][23] - The focus of global climate governance is shifting from multilateral political consultations to economic and industrial decision-making, highlighting the importance of translating international consensus into domestic policies and investment actions [3][23] - Despite the absence of the United States, China and the European Union reached a high-level joint statement, demonstrating their commitment to advancing the Paris Agreement through dialogue and cooperation [3][23] Multilateral Dialogue in Climate and Trade - Trade issues were formally included in the climate conference discussions, with a consensus reached to establish the "Climate-Trade Comprehensive Forum" (IFCCT) to address carbon border measures and low-carbon product standards [4][24] - The forum aims to provide a communication channel rather than establish unified rules, potentially easing policy friction amid increasing fragmentation of global standards [4][24] - The inclusion of trade in climate negotiations is seen as a significant breakthrough, reflecting the integration of climate and economic issues [5][25] China's Growing Influence - China's presence at COP30 was prominent, with a central exhibition area attracting significant attention and participation from various countries, showcasing its climate actions and low-carbon technologies [7][27] - The country is increasingly taking on a coordinating role among developing nations, moving beyond a unified stance with the G77 group to facilitate consensus on key issues [11][31] - China's new Nationally Determined Contributions (NDC) target aims for significant reductions in greenhouse gas emissions and an increase in the share of non-fossil energy by 2035 [9][29] Climate Financing - COP30 emphasized the need for a financing roadmap of $1.3 trillion and a minimum of $300 billion from developed countries to support climate action in developing nations [16][36] - The conference highlighted the challenges posed by the absence of U.S. funding commitments, which has created a significant gap in climate financing that cannot be filled by other countries alone [17][37] - The decision to establish a two-year work program on climate financing reflects ongoing difficulties in advancing funding mechanisms, particularly for adaptation efforts, which are currently underfunded [18][39]

、报告显示，CyrusOne在故障期间反复调整事件严重等级，从降级到升级多次摇摆，而芝商所基于"短 暂中断"误判未启动纽约备用中心。这一决策部分源于做市商对低延迟交易的强依赖，迁移可能引发数 据一致性风险。直至所有冷却器离线后，交易所才被迫暂停交易，暴露跨时区协调漏洞。 此次故障波及黄金、原油等关键品种，甚至迫使高盛推迟13亿美元债券发行。CyrusOne事后承认人为 失误，并承诺升级寒冷天气预案，包括24小时工程团队监控。然而，事件再次警示金融市场基础设施的 脆弱性——单一节点故障足以冲击全球资本流动，强化冗余架构与实时透明度成为当务之急。 【最新国际黄金行情解析】 国际黄金短线方面围绕4200上下反复震荡波动，在白银的大涨之下，金价显的非常克制，盘子大就没有 白银那么暴力，日内冲高关注4H周期上轨以及4250做空，下方留意4180/4196支撑做多，短线震荡就是 耐心等位置，管住手别追单，重点在美联储消息后的机会。 摘要今日周三(12月10日)亚盘时段，国际黄金目前交投于4217美元附近，截至发稿，国际黄金最新报 4214.71美元/盎司，涨幅0.19%，最高上探至4217.80美元/盎司，最低触及420 ...

根据备忘录，各方将围绕构建产业发展高地、加速科技成果转化、支持科技创新平台建设等方面， 加强资源共享、凝聚工作合力，着力打造政策性金融机构支持科技创新和产业创新融合发展示范区。 12月9日，国家开发银行支持南京市科技创新和产业创新融合发展示范区建设合作备忘录签约活动 举行。代市长李忠军会见国家开发银行副行长谢泰峰、中国科学院自动化所所长徐波。副市长蒋敏参 加。 会谈中，李忠军感谢国家开发银行和中国科学院自动化所长期以来对南京发展给予的关心支持，希 望各方以签订合作备忘录为契机，有效整合资源要素，有力畅通供需循环，进一步推动科技创新和产业 创新深度融合，更好助力南京加快培育发展新质生产力。谢泰峰、徐波表示，将持续深化务实合作，推 动新政策、新技术、新项目在南京先行先试，为南京加快建设具有全球影响力的产业科技创新中心主承 载区提供更大支撑。 ...

Core Viewpoint - Consumers are encouraged to check complaint information before making purchases, especially for service-oriented or prepaid transactions, to avoid potential issues and losses. Group 1: Official Channels - The most authoritative information source is the official platforms established by market supervision departments, such as the "National 12315 Platform," which provides access to enterprise credit information and complaint records [2][9]. - Consumers can find basic information about companies, administrative penalty records, and lists of businesses with abnormal operations or serious violations, serving as an "official health report" for enterprises [2][9]. - Local consumer associations also publish consumer warnings and complaint analysis reports, highlighting problematic industries or businesses [2]. Group 2: Industry Supervisory Platforms - Specific industries have dedicated complaint disclosure or service evaluation systems established by their supervisory departments or industry associations, providing more focused information [3][10]. - For online transactions and e-commerce, platforms like Taobao and JD.com have their own complaint handling channels and merchant credit rating systems, which are primary references [3][11]. - In financial services, consumers should check risk alerts or complaint reports from the People's Bank of China and the National Financial Regulatory Administration [3][11]. - For telecommunications, the Ministry of Industry and Information Technology's complaint handling center (12300) provides authoritative channels and publishes complaint rate rankings for telecom companies [3][11]. - In transportation, issues with ride-hailing services can be reported to the Ministry of Transport's complaint hotline (12328), while disputes over flight or train tickets can be addressed through the Civil Aviation Administration and the National Railway Administration [3][11][12]. Group 3: Third-Party Complaint Aggregation Platforms - Third-party platforms like "Black Cat Complaints" provide real-time user feedback on consumer experiences, aggregating a large number of complaints to reflect merchants' attitudes and efficiency in handling disputes [5][13]. - The platform allows users to search for specific brands or merchants to view detailed complaints, response rates, and resolution outcomes, offering valuable insights before making purchases [5][13]. - Black Cat Complaints publishes monthly "Red and Black Lists" based on complaint volume, response rates, and resolution rates, helping consumers identify problematic merchants [6][14]. - Users can track the progress of their complaints through the platform, ensuring transparency in the complaint handling process [6][14]. Group 4: Summary Recommendations - To mitigate risks, consumers should verify the legitimacy and credit of merchants through official channels like the National Enterprise Credit Information Publicity System [7][15]. - Consumers should check industry evaluations by consulting relevant supervisory agencies or associations for complaint disclosures or service quality announcements [7][15]. - It is advisable to search for user feedback on third-party platforms like Black Cat Complaints to assess merchants' service levels and integrity [7][16].

Core Viewpoint - The energy industry in China is undergoing a comprehensive transformation during the "14th Five-Year Plan" period, with a focus on renewable energy investment and the role of financial services in supporting this transition [1][2]. Group 1: Financial Support for Energy Transition - The company emphasizes high-quality service to support the main responsibilities of the group, focusing on the needs of member enterprises and enhancing centralized fund management [1][2]. - Over the past five years, the company has issued over 650 billion yuan in loans to support major projects related to oil and gas production and the cultivation of new productive forces [2]. - The company has developed specialized financial products such as "Gas Storage Loan" and "Oil Product Benefits" to enhance its service offerings [2][4]. Group 2: Internationalization and Global Financial Services - The company has established a global financial service network with a focus on Hong Kong, Dubai, and Singapore, enhancing collaboration across these regions [2][3]. - It has participated in financing over 30 overseas projects, covering 85 countries and regions, and has developed innovative products that combine credit and hedging [3][6]. Group 3: Green Development Initiatives - The company actively promotes green development by offering green loans for renewable energy projects, having issued over 50 billion yuan for projects like photovoltaic and wind power [5][6]. - A strategic partnership has been formed with Longqing Oilfield for financing geothermal heating projects, marking a significant step in the geothermal sector [5]. Group 4: Future Plans and Strategic Goals - The company aims to enhance its capabilities in financial management, service provision, financial technology, risk compliance, and brand influence during the "15th Five-Year Plan" [6][7]. - Key focus areas include improving internal financial service quality, deepening international business development, and advancing digital transformation initiatives [6][7].

Core Viewpoint - Gold prices experienced fluctuations, with a notable drop below $4200 before recovering to close at $4236.6 per ounce, influenced by market expectations of potential interest rate cuts by the Federal Reserve [1] Group 1: Market Performance - COMEX gold futures increased by 0.45% to $4236.6 per ounce [1] - The China Gold ETF (518850) decreased by 0.71% [1] - The Gold Stock ETF (159562) fell by 3.28% [1] Group 2: Economic Indicators - Recent economic data suggests that interest rate cuts are likely to continue, with several Federal Reserve officials supporting a rate cut in December [1] - Trump's comments on selecting a new Federal Reserve chair based on their stance on significant rate cuts indicate a potential shift in monetary policy [1] Group 3: Supply and Demand Dynamics - Long-term supply and demand imbalances are causing shortages in silver, which remains a core driver for gold and silver prices [1] - The long-term trend for gold and silver prices is expected to remain robust despite short-term adjustments, with limited downside potential [1]

其中，道指和标普500指数均在盘中直线跳水翻绿，而纳指则在盘中走高。 美联储12月降息已成大概率事件，特朗普再度发声，称将是否支持立即大幅降息作为挑选新任美联储主席的试金石。 12月9日，美股三大股指小幅波动，涨跌不一。截至收盘，道指跌0.38%，标普500指数跌0.09%，纳指涨0.13%。 个股方面，美光科技涨超2%，特斯拉、谷歌涨逾1%，迈威尔科技跌超3%，脸书跌逾1%。 中概股方面，纳斯达克中国金龙指数跌1.37%。个股方面，百度集团跌超4%，贝壳跌近4%，信也科技跌近4%，小鹏汽车跌超3%，雾芯科技跌超3%。 黄金方面，今早（12月10日），现货黄金低开后突然拉涨。 高盛则称，市场普遍预期美联储将在本周的12月联邦公开市场委员会会议上，连续第三次降息25个基点，将联邦基金利率目标区间下调至3.5%—3.75%。 然而，此次降息预计将伴随"鹰派"信号，表明未来进一步放宽政策的门槛已经提高。 消息面上，美联储12月议息结果即将公布，市场静待美联储降息，资金避险情绪升温，波动较小。 白宫国家经济委员会主任凯文·哈塞特表示，他认为美联储还有很大降息空间。消息人士称，哈塞特在一众美联储主席候选人中最受特朗普顾 ...