12月7日，中国人民银行官网更新了官方储备资产。截至2025年11月末，中国黄金储备为7412万盎司，环比增加3万盎司，为连续第13个月增持黄金。 | 2025.09 | | 2025.10 | | 2025.11 | | | | --- | --- | --- | --- | --- | --- | --- | | 亿美元 | ZSDR | 亿美元 | 亿SDR | 亿美元 | 亿SDR | 1 | | 100million | 100million | 100million | 100million | 100million | 100million | 10 | | USD | SDR | USD | SDR | USD | SDR | | | 33386.58 | 24352.47 | 33433.43 | 24612.45 | 33463.72 | 24631.64 | | | 112.29 | 81.91 | 110.58 | 81.40 | 110.59 | 81.40 | | | 561.14 | 409.30 | 555.62 | 409.03 | 557.16 | 410.11 | | | ...

财富集中度再创新高 2025年多项权威报告一致指出，全球13%的成年人口掌握着85%的社会财富，其中仅占3%的企业领袖位于决策链最顶端。在这群人中，超高净值家庭（可投 资资产≥2500万美元）约24.9万户，资产过亿者约4.9万户，十年增长80%。他们用1%的数量贡献了38%的流动金融资产，上层超高净值客群更独占26%，成 为名副其实的"皇冠明珠"。 中国成为增长极，画像多元 中国是这片"财富蓝海"最活跃的增量市场。中老年第一代民营企业家仍占主导，多来自工程、制造等传统行业；与此同时，大型企业董监高、企业家配偶、 中青年创业者、富二代及演艺界成功者共同构成了多元面孔。区域差异之外，代际差异也在放大：Z世代日均刷社媒128分钟，KOL种草驱动消费；X世代及 更年长者则依赖电视等传统渠道，品牌历史与可靠性才是决策核心。 东西市场价值取向泾渭分明 东方市场崇尚"新"与"贵"。中国、东南亚、中东的高净值人群把科技创新和身份象征放在首位：虚拟现实、智能家居购买意愿全球领先；汽车消费中，中国 纯电/插混意向世界第一，车辆首先是身份符号。美妆赛道更直观：中国"成分党"愿为单件护肤品支付288美元，是北美的两倍；东南亚追独特 ...

D A I L Y 12月6日,由中国铁建大桥局承建的沪波 兹高铁酒泰扬特大桥路太平河桥实现精准分 龙,为全线贯通真定基础。新华社记者季春鹏摄 2025年12月 / 日 星期日 乙巳年十月十八 国内统一连续出版物号 CN 11-0209 今日4版 总第12030期 1 新华网:news.cn 新华每日目 邮发代号 1-19 1 从古时"货到汉口活",到 新中国重要的工业基地,再到 建设中的国家中心城市,武汉 的每一次转身,都在城市空间 留下印记。历史与文化、风雅 和烟火,既赋予了千年江城的 独特气质与产业根基,也留下 大片亟待更新的城市空间。 老里分化身"生活美学发 生地",老旧小区"微更新"转型 官居生活空间,传统工业遗址 蝶变金融文化公园 …… 近年 来,武汉将城市更新作为推动 功能再造、产业跃迁与民生改 善的系统性工程,摒弃"大拆大 建"的短平快,投入"精雕细琢" 的"绣花工"。在历史与未来的 对话中,武汉正探寻一条有机 韧性、可持续的城市蝶变之路。 老旧街区"古今对话 历史底蕴激活消费新场景 试营业以来,入驻的首店品牌占比高达 89%。通过引入"过早"文创店、汉派相声 等新概念,武汉本土文化在这里得到 ...

Group 1: AI Impact on Employment - AI adoption in the U.S. has increased from 3.7% to 10% in two years, with significant impacts on high-exposure industries and young workers[1] - The number of layoffs in October 2025 reached 153,000, a 175% increase year-on-year, with 21.7% of layoffs occurring in the tech sector[1] - Despite concerns, AI is not the primary cause of the employment downturn; the correlation between AI adoption and employment growth is weak (R²=0.09)[2] Group 2: Employment Market Dynamics - The U.S. labor market has experienced a "low recruitment, low layoffs" state, with non-farm employment numbers showing a significant decline since early 2025[3] - Illegal immigration net inflow decreased by 1.6 to 2 million in 2025, explaining about 50% of the employment slowdown[3] - Government layoffs and tariff impacts contributed to 37% of the employment decline, while the influence of AI on white-collar jobs was only 7.6%[3] Group 3: Future Outlook - In 2026, the labor supply may continue to contract while demand stabilizes, maintaining a low equilibrium in employment levels[4] - The unemployment rate is expected to rise slowly, with a risk of triggering the "Sam Rule" at around 4.7%[4] - The Federal Reserve faces challenges in balancing monetary policy amid a "K-shaped" economic recovery, where labor shortages could enhance labor share while surpluses may lead to economic divergence[4]

Core Insights - International remittance settlement is an essential part of cross-border trade, involving the transfer and clearing of funds between different countries or regions [1][3] - The evolution of international remittance methods provides businesses with more diversified options as global economic ties become increasingly close [1] Summary of Key Points 1. Basic Concept of International Remittance Settlement - International remittance settlement refers to the currency payment behavior completed through banks or other financial institutions, involving currency exchange and the transfer of funds from the payer's account to the payee's account [3] - The core goal is to ensure the safe and efficient arrival of funds at the designated account while reducing transaction costs and exchange rate risks [3] 2. Main Settlement Methods and Their Characteristics - **Wire Transfer**: A common method that allows for relatively fast processing but may incur certain fees and exchange rate differences [4] - **Letter of Credit**: Widely used in international trade, providing high transaction security but requiring a complex process with complete documentation [4] - **Collection**: Involves the seller entrusting the bank to collect payment from the buyer, balancing risk but potentially leading to longer fund arrival times [4] - **Emerging Platforms**: New settlement channels based on digital technology are emerging, optimizing settlement processes and improving fund circulation efficiency [4][5] 3. Factors Affecting the Efficiency of International Remittance Settlement - Financial regulatory policies in different countries can impact the speed and cost of fund transfers, making it essential for businesses to understand relevant regulations [6] - Currency exchange is a necessary part of international remittance, with exchange rate fluctuations affecting the final amount received [6] - The technical level and processing capabilities of settlement channels directly influence the speed of fund arrival [6] - The size of the transaction can affect the choice of settlement method and associated costs [6] 4. Considerations During the Settlement Process - Ensuring accurate recipient information is crucial to avoid delays or returns of funds [6] - Understanding the composition of various fees, including transaction fees and exchange costs, is important [6] - Monitoring fund arrival times is necessary to select the appropriate settlement method based on business needs [6] - Keeping complete transaction records and receipts is essential for future inquiries and reconciliations [6] 5. Impact of Emerging Technologies on International Remittance Settlement - Platforms like "Cloud Bridge Cross-Border" utilize digital RMB for cross-border settlements, offering alternatives to traditional payment methods, including same-day fund arrival and no transaction fees [7] - The platform employs smart contract technology for automated processing in various areas, enhancing transparency and efficiency [7] - It integrates various cross-border services, forming a comprehensive ecosystem to help businesses navigate international trade challenges [7] 6. Factors to Consider When Choosing Settlement Methods - Businesses should consider security, efficiency, cost, and convenience when selecting international remittance methods [8] 7. Future Development Trends - The international remittance settlement sector is continuously evolving, with technological advancements promising faster and lower-cost solutions [9] - Optimized regulatory environments will enhance cross-border payment efficiency [9] - The diverse needs of businesses for settlement services will drive innovation among service providers [9] 8. Role of Financial Service Platforms - Financial service platforms will play a crucial role by integrating resources and optimizing processes to provide comprehensive cross-border financial solutions [11] - The development of these platforms will help reduce operational costs for businesses and improve fund utilization efficiency [11] 9. Importance of International Remittance Settlement - International remittance settlement is a vital foundation supporting global trade, with methods continuously evolving to meet market demands [13] - Businesses need to choose suitable settlement channels based on their needs and stay updated on industry trends to manage cross-border fund flows effectively [13]

12月5日，浙金中心董事长丁建林与祥源集团执行总裁沈保山均在浙金中心回答投资者疑问。其中，沈 保山表示：东拼西凑现在已无力兑付，目前集团资产600亿，主要是地产、股票，负债400亿包括银行、 施工单位和投资者投的产品。目前则寄希望于绍兴市政府注资成为公司白马骑士。 金石杂谈查询发现，浙金中心已进行系统维护，并停止兑付。不少网友反应，现在已无法提现。不少网 友担心，祥源系列无法兑现，那其他发行方发行的是否会受到影响？ 其中，浙金中心此前全称：浙江金融交易中心，目前更名为：浙江浙金资产运营股份有限公司。就在 2024年10月，浙金中心被取消交易资质，虽不影响存量业务，但对于风险敏感的投资者来说，会第一时 间进行提现。 而本次兑付危机的祥源控股，天眼查显示，公司实控人是俞发祥，控制65%的权益，公司旗下祥源房地 产已被限高、列为被执行人。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源：金石杂谈 12月6日，多个投资者在社区平台反映，大家在浙金中心购买的理财产品（金融资产收益权）到期未兑 付，全部是"祥源"系列产品，该产品增信人为祥源控股集团有限责任公司（祥源集团）及俞发祥。 目前， ...

2025深圳全球招商大会召开 12月5日 福田区连续三年获评 "招商优胜区" 以国际一流的营商环境 吸引全球企业与人才纷至沓来 成为名副其实的"投资福地" 查看详情 今天精彩继续 深圳全球招商大会 福田区投资考察活动举行 来自世界各地的企业家齐聚福田 开启一场"城市解码"之旅 他们都去了哪些地方 又发现了怎样的机遇呢 跟着小福一起往下看 河套深圳园区 在制度前沿定义创新的尺度 考察队伍第一站来到了深圳河畔的河套深港科技创新合作区深圳园区（下称"河套深圳园区"），这是《粤港澳大湾区发展规划纲要》中唯一以科技创新为 主题的特色平台，也是唯一的"一河两岸、一国两制、一区两园"的深港协同创新平台。 凭借区位优势，国际化科技创新规则机制在此无缝衔接：便利科研人员进出、探索国际互联网数据跨境安全有序流动、营造与香港趋同的税负环境……在 这里，深港科研人员、设备、数据、资本实现高效跨境流动。 透过展厅的蓝图与数据可以看到，河套深圳园区正聚焦生命科学、信息科学、材料科学等前沿领域，实行全产业链布局，致力于迈向世界级科研枢纽。 除了制度创新与产业链布局，为更好匹配企业空间发展需求，河套深圳园区还构建新质创新空间体系。 河套深圳 ...

答：中国人民银行坚定支持中央汇金公司加大力度增持股票市场指数基金，并在必要时向中央汇金公司 提供充足的再贷款支持，坚决维护资本市场平稳运行。 经济观察网，中国人民银行新闻发言人就支持中央汇金公司稳定资本市场答记者问。 问：4月7日，中央汇金公司发布公告，将持续加大增持ETF规模和力度。请问中国人民银行怎么看？ ...

当地时间周五，受政府停摆影响而推迟发布的关键通胀数据——美国9月个人消费支出（PCE）价格指数出炉。数据显 示，当月剔除波动较大的食品和能源价格后的核心个人消费支出价格指数同比上涨2.8%，增速较此前一个月有所放缓。 另外，美国密歇根大学公布的1年通胀预期降至今年以来低点，消费者信心也有所改善，以上消息强化了投资者对美联储 将在下周宣布降息的预期，提振了市场风险偏好，美国三大股指集体收涨，涨幅不到1%。 奈飞宣布收购华纳兄弟 两家公司股价5日走势分化 本周美国三大股指全部累计上涨 美股本周波动不大，三大指数全部累计上涨。道指累计上涨0.50%，标普500指数累计上涨0.31%，纳指累计上涨0.91%。 5日欧洲三大股指小幅波动 5日国际油价上涨 纽约原油期货本周累计上涨约2.6% 原油期货方面，周五，有消息称，七国集团和欧盟正在就以全面禁止海运服务，取代对俄罗斯石油出口的价格上限进行 谈判，加剧了市场对供应紧张的担忧情绪。另外，投资者预期美联储降息将有助于提振经济增长和能源消费，多重因素 推动国际油价小幅上涨，纽约原油期货和布伦特原油期货主力合约价格涨幅不到1%。受地缘政治风险推动，纽约原油期 货和布伦特原油 ...

Core Viewpoint - The article emphasizes the need for a robust financial system to support China's transition to a consumption-driven economy, highlighting the importance of capital markets and strong currency in achieving high-quality economic development [1][3]. Group 1: Economic Challenges and Financial Strategy - China's economic growth is shifting from supply constraints to demand constraints, with insufficient consumption being a primary issue rather than investment or exports [1][3]. - The implementation of a financial power strategy aims to bridge the gap between manufacturing and consumption, leveraging a modern financial system to support both sectors [1][3]. Group 2: Capital Market Development - A strong capital market is essential for selecting viable projects that are marketable, profitable, and have manageable risks, thereby enhancing resource allocation efficiency [3][4]. - As China enters an innovation-driven phase, the role of capital markets in project selection will increase, with more societal funds directed towards capital markets, particularly in light of declining real estate investment attractiveness [3][4]. Group 3: Currency and Internationalization - Strong currency is a key indicator of a financial power, historically supported by a robust economy, trade, technology, military strength, and a developed financial system [4][5]. - The internationalization of the Renminbi (RMB) has significant potential, with a focus on increasing offshore RMB availability to enhance liquidity and facilitate its use in international trade [5][6]. Group 4: Manufacturing and Trade Performance - China's manufacturing value added is projected to grow from 26.6 trillion yuan to 33.6 trillion yuan during the 14th Five-Year Plan, contributing over 30% to global manufacturing growth [5]. - In 2024, China's total goods trade is expected to reach 43.8 trillion yuan, maintaining its position as the world's largest trader, with exports surpassing 25 trillion yuan, marking a 7.1% year-on-year increase [5]. Group 5: Implications for Consumption - The anticipated appreciation of the RMB could enable Chinese consumers to purchase better international products, thereby boosting consumption and enhancing the quality of human capital [6].