据知情人士透露，巴西AgiBank计划通过美国IPO融资10亿美元。 来源：滚动播报 ...

美国银行（BAC）数据显示，美国2025年的消费支出主要由高收入家庭推动，而低收入消费者则面临 食品和公用事业成本上涨困境；12月份消费者价格指数同比稳定在2.7%，关税给部分商品带来上行压 力。 美国银行（BAC）数据显示，美国2025年的消费支出主要由高收入家庭推动，而低收入消费者则面临 食品和公用事业成本上涨困境；12月份消费者价格指数同比稳定在2.7%，关税给部分商品带来上行压 力。 责任编辑：张俊 SF065 责任编辑：张俊 SF065 ...

记者丨刘雪莹 吴斌 | 名称 | 现价 | 涨跌幅 - | | --- | --- | --- | | 叮咚买菜 | 2.791 | -4.42% | | 陆控 | 2.595 | -3.89% | | 满帮集团 | 9.758 | -3.29% | | EPSIUM ENTERPRISE | 2.340 | -2.90% | | 涂鸦智能 | 2.205 | -2.86% | | 网易 | 139.340 | -2.50% | | 知乎 | 3.855 | -2.41% | 编辑丨曾静娇 北京时间1月14日晚，美股三大股指集体下跌，截至23:00左右，纳指跌幅扩大超1%。 | 道琼斯 | 纳斯达克 | 标普500 | | --- | --- | --- | | 49053.74 | 23439.32 | 6915.36 | | -138.25 -0.28% -270.55 -1.14% -48.38 -0.69% | | | | 中国金龙 | 纳指100期货 | 标普500期货 | | 7911.39 | 25643.50 | 6959.50 | | +36.57 +0.46% -262.50 -1.01% ...

Core Viewpoint - The deposit market is undergoing a significant adjustment in 2026, with a notable decline in interest rates for large time deposits, leading to a shift in asset allocation strategies among depositors [1][3]. Group 1: Market Trends - Medium and small banks are adjusting their large time deposit products, with short-term and low-interest rates becoming the market norm [2]. - New large time deposits are generally issued with interest rates below 2%, narrowing the gap with regular fixed-term deposits, and some rural commercial banks have rates entering the "0" range [2]. - Major state-owned banks have already reduced short-term large time deposit rates to 0.9% for terms of three months or less [2]. Group 2: Changes in Asset Allocation - The continuous decline in interest rates is prompting ordinary depositors to fundamentally change their investment strategies, moving from reliance on high-interest deposits to diversified asset allocation [4][5]. - Financial products and dividend insurance have become popular choices among depositors, with recommendations for structured deposits linked to gold for short-term needs and dividend insurance for long-term stability [4]. - Depositors are advised to manage funds based on their intended use and risk tolerance, including maintaining emergency funds in liquid assets and considering government bonds or low-risk bank products for medium-term investments [4]. Group 3: Future Outlook - There is an expectation of further room for interest rate cuts and reserve requirement ratio reductions in 2026, indicating that large time deposit rates may continue to decline [5]. - The competition among banks is likely to shift from interest rate comparisons to service optimization and product innovation, necessitating a faster transition away from reliance on interest rate spreads [5].

Report Industry Investment Rating - Not provided in the given content Core Viewpoints - Among the bonds with discounted transactions, "24 Chanrong 08" had a relatively large deviation in bond valuation price. Among the bonds with rising net prices, "24 Hongjian 01" had a relatively high deviation in valuation price. Among the Tier 2 and perpetual bonds with rising net prices, "24 CCB Tier 2 Capital Bond 02B" had a relatively large deviation in valuation price; among the commercial financial bonds with rising net prices, "25 CEB Bond 02" had a relatively high deviation in valuation price. Among the bonds with a transaction yield higher than 5%, transportation bonds ranked high [2]. - The changes in credit bond valuation yields were mainly distributed in the [-5,0) interval. The transaction terms of non - financial credit bonds were mainly distributed between 2 and 3 years, with the highest proportion of discounted transactions for varieties within 0.5 years; the transaction terms of Tier 2 and perpetual bonds were mainly distributed between 4 and 5 years, with the highest proportion of discounted transactions for varieties within 1 year. By industry, the bonds in the household appliances industry had the largest average deviation in valuation price [2]. Summaries by Related Catalogs Discounted Transaction Tracking - Bonds such as "24 Chanrong 08", "24 Chanrong 06", etc. in the non - bank financial industry had relatively large deviations in valuation price and high valuation yield deviations. "24 Zhonghua 08" in the comprehensive industry and "26 Lanhua MTN001" in the coal industry also had certain deviations in valuation price [3]. Tracking of Bonds with Rising Net Prices - "24 Hongjian 01" in the urban investment industry had a relatively high deviation in valuation price. Many bank - related Tier 2 and perpetual bonds also had positive deviations in valuation price, such as "24 CCB Tier 2 Capital Bond 02B", "24 BOC Tier 2 Capital Bond 02B", etc. [5]. Tracking of Tier 2 and Perpetual Bond Transactions - Bonds of state - owned banks such as "24 CCB Tier 2 Capital Bond 02B", "24 BOC Tier 2 Capital Bond 02B" had relatively large deviations in valuation price. Some bonds of joint - stock banks and city commercial banks also showed certain deviations [7]. Tracking of Commercial Financial Bond Transactions - Bonds like "25 CEB Bond 02", "25 Huishang Bank 01" had small positive deviations in valuation price and relatively stable valuation yields [8]. Tracking of Bonds with Transaction Yield Higher than 5% - Bonds such as "24 Ruimao 02" in the transportation industry and "23 Chanrong 05" in the non - bank financial industry had high transaction yields [9]. Distribution of Credit Bond Transaction Valuation Deviations on the Day - The changes in credit bond valuation yields were mainly distributed in the [-5,0) interval [2]. Distribution of Non - financial Credit Bond Transaction Terms on the Day - The transaction terms of non - financial credit bonds were mainly distributed between 2 and 3 years, and the proportion of discounted transactions for varieties within 0.5 years was the highest [2]. Distribution of Tier 2 and Perpetual Bond Transaction Terms on the Day - The transaction terms of Tier 2 and perpetual bonds were mainly distributed between 4 and 5 years, and the proportion of discounted transactions for varieties within 1 year was the highest [2]. Discounted Transaction Proportion and Transaction Scale of Non - financial Credit Bonds in Each Industry - The bonds in the household appliances industry had the largest average deviation in valuation price [2].

重大事项： 经营业绩： 龙旗科技(09611)1月14日至1月19日招股 拟全球发售5225.91万股H股 中信证券(06030)2025年度归母净利润300.51亿元，同比增长38.46% 和黄医药(00013)宣布SACHI III期研究结果于《柳叶刀 (The Lancet)》发表 中信银行(00998)2025年归母净利为706.18亿元，同比增长2.98% 东阳光药(06887)推出面向PROTAC机制的AI智能研发平台 持续深化AI战略布局 东曜药业-B(01875)获药明合联(02268)溢价约99%提现金要约 1月15日复牌 维立志博-B(09887)：维利信™(PD-L1/4-1BB双特异性抗体奥帕替苏米单抗，LBL-024)获美国FDA授予 快速通道资格认定 迅策(03317)与金涌投资订立战略合作框架协议 旨在支持投资研究、交易及风险管理的数字化转型 中广核新能源(01811)2025年累计完成发电量1.9万吉瓦时，同比减少0.8% 越秀地产(00123)2025年度累计合同销售金额约为1062.1亿元 药明合联(02268)发盈喜 预计2025年度净利润同比增长超38% 赛晶科技(00 ...

本文字数：2969，阅读时长大约5分钟 作者 |第一财经 亓宁 新年开始，各大银行"开门红"活动吸引着储户的注意力。近期，部分网友在社交媒体上分享和交流起了 国有大行"资产提升计划"的"薅羊毛"攻略。 2026.01.14 什么活动如此诱人？第一财经注意到，面对利率下行、大量定存到期等新形势，仍在压降负债成本的银 行的"开门红"活动也有了更明显的变化——更加侧重提升用户的存款、理财、基金、保险、国债、积存 金产品、证券账户绑定托管等各类金融资产规模。以几家国有大行的最新活动为例，达标客户获得相应 奖励的价值最高超万元。 而另一边，部分中小银行面对岁末年初的揽储压力，继续选择了阶段性上调存款利率，上调幅度最高达 20BP。多位业内人士对记者表示，在信贷需求不振、降负债成本依然迫切的背景下，存款流失本身是 压力，但也是银行提升中收战略的机遇。尤其对利率不占优势的国有大行来说，2026年零售战略转型的 紧迫性更加明确。"对于到期的定期存款客户，我们的首选策略是引导到代销理财。"一位股份行地方机 构负责人说。 大行"火拼"资产提升战 最近两年，国有大行纷纷推出福利丰厚的"资产提升"活动，将重心目标从侧重揽储转向注重A ...

Core Viewpoint - The price of silver has surged over 25% since the beginning of the year, reaching a record high of $91.551 per ounce, making it the second-largest asset globally with a market capitalization exceeding $5 trillion [1][3]. Group 1: Market Performance - Silver's price increase began in 2025, with a significant rise from a low range of $28-$32 per ounce at the start of last year, accelerating in the fourth quarter to surpass key price levels of $70, $75, and $80, ultimately reaching a peak of $83.971 per ounce by December 29, 2025 [3]. - The maximum increase in silver prices for 2025 was 196.84%, outperforming gold and becoming a focal point in capital markets [3]. - Currently, silver's market capitalization stands at $5.045 trillion, surpassing major companies like Google and Apple, while gold remains the largest asset at $32.251 trillion [3]. Group 2: Drivers of Price Increase - The ongoing strength in silver prices is attributed to a combination of industrial demand growth and financial attributes, moving beyond traditional monetary and safe-haven characteristics [4]. - Key sectors such as photovoltaics, electric vehicles, and AI hardware are driving increased consumption of silver, creating a structural supply-demand gap [4]. - The expectation of continued global liquidity easing and the current gold-silver ratio being above historical averages provide further support for silver's valuation recovery [4]. Group 3: Future Price Predictions - Market attention is now shifting towards the $100 per ounce mark, with Citigroup predicting that silver will reach this level within the next three months [5]. - Analysts suggest that the bullish market conditions are likely to persist, contingent on geopolitical tensions easing and reduced hedging demand for precious metals later in the year [5]. Group 4: Investment Strategies - Investors are advised to adopt a strategy of gradual accumulation and diversification, avoiding high-risk positions and instead using a dollar-cost averaging approach [8]. - The Chicago Mercantile Exchange plans to launch a new 100-ounce silver futures contract in February 2026 to meet the growing demand from retail investors [8].

Market Overview - On January 14, US stock indices opened lower, with the Dow Jones down 0.21%, the Nasdaq down 0.82%, and the S&P 500 down 0.55% [1] Technology Sector - Technology stocks experienced a broad decline, with Nvidia, Tesla, Google, and AMD all falling over 1%, while Apple and Netflix also saw declines [3] Chinese Stocks - Chinese stocks showed mixed performance; Ctrip fell over 18% due to an investigation by the State Administration for Market Regulation, while Pinduoduo dropped over 4%. In contrast, Bilibili rose over 5% and Alibaba increased by over 2% [3] Ctrip Group - Ctrip's stock price was reported at 61.740, reflecting a decline of 18.42%, with a market capitalization of 441 billion [4] - The stock's performance indicated a significant drop of 13.940, translating to a percentage decrease of 18.42% [4] Banking Sector - Bank stocks generally fell, with Wells Fargo and Bank of America both declining over 3% [3] Gold Sector - Gold stocks saw a rise, with Coeur Mining and AngloGold both increasing nearly 3% [3]

北京时间1月14日晚，美股周三早盘继续下滑，道指下跌200点。交易员正在消化最新一批银行企业财 报。地缘政治风险阴影仍笼罩市场情绪。随着美国继续释放可能直接介入伊朗局势的信号，投资者再度 涌向贵金属避险。 道指跌210.73点，跌幅为0.43%，报48981.26点；纳指跌316.43点，跌幅为1.33%，报23393.44点；标普 500指数跌59.07点，跌幅为0.85%，报6904.67点。 富国银行股价走低，此前该公司公布的第四季度营收低于预期。相比之下，花旗集团第四季度业绩超出 预期。 周二美股收跌，道指下跌近400点。金融板块是表现最差的行业板块。摩根大通股价收盘重挫逾4%，因 其第四季度投行业务费用不及预期。高盛和美国银行也随之下跌。 美国总统特朗普周二继续抨击美联储主席杰罗姆·鲍威尔。与此同时，随着美国司法部对美联储主席展 开刑事调查，市场对央行独立性的担忧日益加剧。 Freedom Capital Markets科技股研究主管Paul Meeks表示，股价可能已开始反映特朗普要求所带来的潜在 影响。"这是对鲍威尔主席受威胁以及银行财报的滞后反应——企业纷纷谈及将信贷利率上限设为 10%……这 ...