Core Insights - The Qingdao "Ocean + AI" large model application docking conference was held, resulting in the signing of four agreements related to marine artificial intelligence [1] - The establishment of the Marine Artificial Intelligence Joint Laboratory aims to enhance the integration of industry, academia, and research, promoting the transformation of scientific research achievements and deepening the integration of AI with the marine industry [1] - Qingdao is accelerating the development of a world-class marine artificial intelligence large model industry cluster, with a complete range of marine data, sufficient computing power facilities, and rapid innovation in research [1] Industry Development - The Qingdao Laoshan Marine Artificial Intelligence Industry Cluster is the only modern marine characteristic industry cluster in the national AI field, gathering over 30 marine AI companies and 8 marine AI large models [2] - The cluster has a dedicated 1 billion yuan AI special fund and a full-cycle government service system, creating an entrepreneurial environment that leverages both AI technology and the coastal ecosystem [2] - A centralized promotion of large model products and demands was organized, showcasing the latest research and application cases from seven supply companies and six leading marine enterprises, highlighting the potential and broad prospects of AI technology in the marine sector [2]

今天中美两边的央行都做出了不降息的决定，美元利率维持在4.25-4.5%不变，人民币LPR也没有变化， 一年期3.1%，五年期3.6%，这个五年期就是老百姓房贷挂钩的利率，不过现在通常有折扣，实际执行 在3.3%左右。 这里说明一下两边同一天宣布利率是巧合，中国这边的LPR固定每个月20日更新，美国那边是每个季度 公布一次，今年的时间分别是3月20日、6月19日、9月18日、12月11日，所以纯属巧合。 美联储随后发布了利率点阵图， 横轴是时间，竖轴是利率，图上的每一个蓝点是美联储19名委员对 不同历史时期的利率投票。 2025年大部分委员把利率投到了3.9%，这就意味着今年大概率还有2次降息；至于2026年预期再降50个 基点，2027年以后的远期利率预期为3%，暂时是这样，如果非农就业和失业率等数据有波动的话，下 个季度会改的。 至于咱们这边的LPR没有下降，主要是因为银行整体的息差很低，四季度只有1.52%，低于1.8%的警戒 水平并刷新史低，再加上高层判断经济和房市的情况尚可，就先不降了。 如果后面房市数据恶化的 话，今年可能还会再降一次LPR。 …… 今天a股成交1.44万亿，量能继续小幅萎缩，市场 ...