昨天，我看到一个金店柜姐发了条朋友圈，大意是足金手机贴开始秒杀了，秒杀价仅有29.9元。 起初我还有点心动，后来查了查克重后什么心思都熄灭了。 这种手机贴的克重仅有2毫克，薄薄的一片，比纸还薄，实际价值不到2块钱。 为什么这么说呢？ 因为昨天的黄金裸金价是895元，2毫克就是1.79元。 查询方法：微信搜索腾讯理财通小程序，首页点黄金，即可查看黄金的实时价格。 就算要加上工费和品牌溢价等费用，也不至于把实际价值只有1.79元的东西卖出29.9元的价格吧。 网上同款的足金手机贴只要三五块钱，而且还包邮，由此可见，品牌金店的利润有多高。 此外，这种手机贴是不是足金999还比较难说，足金990以上的纯度都可以被称作足金。 即便它是足金999，也不具有收藏价值，过火一烧就会烧成卷，最多拿在手里玩玩，给咱们提供点情绪价值。 从实用角度考虑，网购的足金手机贴性价比更高，当然土豪随意。 这几天，黄金的价格波动挺大，前几天我还在和老公商量要不要囤10g小金条，那时招行金的克价是939元，10克小金条卖9390元。 没想到今天又降到了911元/克，金价的涨幅真是让人始料未及。 历史上黄金也有过几次下跌，例如1988年到1998 ...

Group 1 - The 2025 China International Service Trade Fair (CIFTIS) opened in Beijing, showcasing Tencent's latest innovations in financial inclusivity through technology [1] - Tencent is enhancing payment services for foreign visitors in China, including features like "foreign card binding" and "foreign wallet usage" for seamless transactions [1] - The company has introduced a 60-day fee waiver for new foreign card users, coinciding with policy upgrades for visa-free entry and instant tax refunds [1] Group 2 - Tencent is actively exploring cross-border payment scenarios for digital RMB under the guidance of the People's Bank of China [2] - The company achieved "barcode interconnectivity" for digital RMB payments within the WeChat ecosystem, allowing foreign visitors to use digital RMB wallets for transactions [2] - Tencent's investment platform, Licai Tong, launched a "Licai Gold" model, enabling users to experience investment processes at no cost, contributing to the growth of equity funds [2]

Group 1: Event Overview - The 2025 China International Service Trade Fair opened in Beijing on September 10, showcasing over 30 Shenzhen enterprises and institutions under the theme "Digital Intelligence Empowerment, Deep Chain Global" [1] - The event highlighted Shenzhen's achievements in becoming a national pilot city for comprehensive service trade innovation and development [1] Group 2: Technological Innovations - SF Express showcased its "SF Super Brain" platform, which integrates big data and AI algorithms to optimize logistics resources, resulting in over $1 billion in economic benefits and a reduction of millions of tons of CO2 emissions [4] - Silverwing Technology presented comprehensive service solutions leveraging digital and intelligent technologies for enterprise operations and government services [6] - WiseHub's legal AI model application platform and humanoid robots from UBTECH were significant highlights, demonstrating the trend of "Artificial Intelligence+" [7] Group 3: New Product Launches - Shenzhen New Translation Technology introduced "Subtitle Genie-MossVox," an advanced solution for real-time translation and meeting support, enhancing the experience of high-end international conferences [11] - Tencent unveiled several innovations, including the "WeChat Hong Kong Dollar Wallet" and the "Mixed Yuan Financial Model," aimed at improving financial services and user experience [12][14] Group 4: Economic Impact - In 2024, Shenzhen's service trade reached a record high of over $140 billion, with digital trade exceeding $60 billion and knowledge-intensive services accounting for over 40% [14][15] - Shenzhen's service trade is positioned as a leader in national innovation, closely linked to the city's high-tech industry development [15]

Core Insights - The 2025 China International Service Trade Fair (CIFTIS) opened in Beijing, showcasing Tencent's latest advancements in technology-driven financial inclusivity [1] - Tencent highlighted its exploration of digital currency, cross-border payment services, and innovative financial education tools at the event [1][3] Group 1: Digital Currency and Cross-Border Payments - Tencent has optimized WeChat Pay services for foreign visitors in China, including features like "foreign card binding" and "foreign card usage" for seamless transactions [4] - The WeChat Hong Kong Dollar Wallet has expanded its merchant network, allowing Hong Kong users to make real-time payments in RMB while enjoying better exchange rates for remittances to the mainland [4] - Tencent has made significant progress in digital yuan cross-border payment scenarios, completing "barcode interconnectivity" verification and participating in the mBridge project to enhance cross-border clearing efficiency [5] Group 2: Financial Technology Innovations - Tencent showcased its advancements in smart wealth management and financial models, emphasizing the use of the "Mixed Yuan Financial Model" to enhance customer service, information, and risk control [6] - The "Ask DeepSeek" feature on Tencent's wealth management platform integrates real-time market data to provide users with timely AI-driven insights [6][8] - Tencent's "Wealth Gold" model allows users to experience investment processes with zero cost, contributing to the development of equity funds and engaging over one million users in financial education activities [8]

Core Insights - The 2025 China International Service Trade Fair opened in Beijing, showcasing Tencent's latest innovations in financial technology aimed at enhancing financial inclusion through digital solutions [1] Group 1: Cross-Border Payment Innovations - Tencent has optimized payment services for foreign visitors to China, including enhancements to the "external card binding" feature and the introduction of "external package internal use" services for users from countries like Malaysia, Singapore, and South Korea [2] - The WeChat Hong Kong Dollar Wallet has expanded its merchant network, allowing Hong Kong users to make real-time payments in RMB while receiving better exchange rates for remittances to the mainland [2] - Tencent has been actively exploring cross-border payment scenarios for digital RMB, achieving "barcode interconnection" for convenient payments within the WeChat ecosystem and participating in the mBridge project to improve cross-border clearing efficiency [3] Group 2: Financial Technology and AI Innovations - Tencent showcased advancements in smart wealth management and financial models at the trade fair, focusing on enhancing user experience through the "Mixed Yuan Financial Model" [4] - The "Ask DeepSeek" feature on Tencent's wealth management platform integrates real-time financial data to provide users with timely AI-driven insights, while the "AI Photo Mining" function allows users to capture images for investment information [4] - Tencent's "Wealth Gold" model enables users to experience investment processes with zero cost and no barriers, contributing to the development of equity funds and engaging over one million users in a recent educational campaign [5]

Market Overview - The ETF trading volume reached 4100.49 billion yuan on August 13, with stock ETFs accounting for 1655.01 billion yuan, bond ETFs for 1581.40 billion yuan, money market ETFs for 333.91 billion yuan, commodity ETFs for 38.37 billion yuan, and QDII ETFs for 491.81 billion yuan [1] Fund Market Dynamics - The public fund market has surpassed 10,000 funds, leading to increased selection anxiety among investors [2] - Young investors aged 25 to 35 make up 40% of the market, while the "Z generation" aged 18 to 25 accounts for 20% [2] - Fee competition among platforms is intensifying, with some offering fund purchase rates as low as 10% of the standard [2] Platform Comparisons - Major platforms have distinct features: - Tian Tian Fund excels in professional data and real-time valuation systems [2] - Alipay focuses on user-friendly experiences with unique tools like the "index red-green light" [2] - JD Finance emphasizes competitive fee structures with over 4,000 products [3] - Tencent Licai Tong offers innovative cross-platform integration [3] Sina Finance's Competitive Edge - Sina Finance APP has created a unique ecosystem by integrating information, community, and trading functionalities [4] - It covers 98% of market funds and monitors over 3,000 funds in real-time, allowing seamless execution of investment decisions [4] - The platform's "Target Fund Search" tool matches users with suitable funds based on their investment criteria [4] Community Interaction - Community features on Sina Finance leverage resources from Weibo, enhancing user engagement with professional insights [5] - The "One-Click Follow Investment" function simplifies the process for users to follow fund managers' portfolios [5] - The platform addresses the evolving needs of investors by providing tools that reduce selection anxiety in the crowded fund market [5]

Core Insights - The article highlights the importance of financial apps as essential tools for investors in the mobile internet era, emphasizing their role in providing real-time information and aiding in investment decision-making [1] Group 1: Top Financial Apps Overview - Sina Finance is recognized as a global asset monitoring hub, covering over 40 markets with a unique "capital flow" system to track northbound capital movements and an AI assistant for risk assessment [2] - Zhitong Finance is noted for its rapid news delivery, providing 10-second alerts on global policy changes and market movements, making it a key tool for short-term traders [3] - Wall Street News focuses on cross-market analysis and features a bilingual interface, enhancing its appeal to international investors [4] - Tonghuashun is a comprehensive trading analysis software that offers real-time market data and advanced trading features, suitable for stock investors [5] - Eastmoney integrates a vast investor community with real-time policy analysis and extensive data metrics, becoming a grassroots intelligence hub for fundamental investors [6] - Tencent Licaitong utilizes AI to simplify financial reports and research, providing personalized wealth management solutions [7] - Jingchuan Duoying employs unique fundamental indicators to identify industry leaders and mitigate emotional trading risks [8] - Zhangle Caifutong, a product of Huatai Securities, is known for its low commission rates and automated trading features, achieving high user engagement [9] - Xueqiu has built a social research network with millions of users, facilitating investment strategy discussions and content optimization [10] - Wind Terminal offers an extensive database across various financial instruments, particularly excelling in fixed income data coverage [11] Group 2: Comparative Analysis - The article concludes that Sina Finance stands out as the most comprehensive option due to its superior global coverage, integrated functionalities, and real-time capabilities [12] - Key advantages of Sina Finance include exceptional cross-market monitoring, timely news delivery, effective AI tools for risk assessment, and a unique ecosystem that combines professional content with community engagement [12][13] - The platform's compliance and security measures, particularly in the Hong Kong market, ensure user asset protection and regulatory adherence, with significant net inflows recorded [13]

Core Insights - The number of public funds has surpassed 10,000, leading to an information overload for investors, prompting major financial platforms to enhance their services beyond basic fund net value queries to include investment advisory, smart portfolios, and community interactions [1][9] Group 1: Platform Features - Tian Tian Fund excels in providing deep data services for professional investors, featuring a real-time valuation system and a multi-dimensional fund screening tool, although it may overwhelm novice investors with excessive information [2][9] - Ant Wealth (Alipay) focuses on a user-friendly experience with innovative features like the "Index Red and Green Light" for identifying overvalued or undervalued areas, but its professional tools are relatively basic [3][9] - JD Finance leverages competitive fee structures with a fund supermarket covering over 4,000 products, suitable for risk-averse users, though its data analysis tools are limited [4] - Tencent Licai Tong integrates cross-platform capabilities, allowing for multi-fund performance comparisons and external platform import features, but lacks detailed investment advisory services [5] - Sina Finance has developed a comprehensive ecosystem from net value queries to asset allocation, enhancing user experience with a seamless transition from information to execution, and integrating community resources for real-time discussions [6][9] Group 2: Market Positioning - The competition among major financial platforms is characterized by differentiated service offerings, with Tian Tian Fund targeting professional investors, Alipay focusing on mass-market accessibility, and Sina Finance creating a complete ecosystem for investment management [9] - The introduction of tools like "Convertible Bond Arbitrage Opportunities" and "Hong Kong Stock Broker Holdings Analysis" by Sina Finance further strengthens its data insight capabilities [6][9]

Core Points - Tencent's "Million Investment Gold" activity aims to provide users with a simulated investment experience through virtual investment funds, allowing them to understand the real investment process [1][3][8] Group 1: Activity Overview - The activity started on May 15, 2025, and will last for one month [5] - Users can participate by searching for "Million Investment Gold" on Tencent's investment platform [3][5] - The virtual investment funds are provided by various fund companies, including Penghua Fund [1][5] Group 2: Usage and Experience - The virtual investment funds range from 500 to 10,000 yuan, with a maximum limit of 1 million yuan [8] - Users can simulate buying specified funds and experience daily fluctuations in value without the need for an account or subscription [8] - Each user can receive up to three virtual funds, allowing them to experience three different products from various fund companies [10] Group 3: Rewards and Earnings - Users can keep earnings up to a maximum of 10,000 yuan, while losses will still yield a minimum reward for participating in the educational activity [11] - The experience period for the simulated investment lasts for 30 trading days [10]

今天A股相对来说比较强，港股跌了不少，和京东美团的外卖大战有关系，美团的ADR昨晚就开始在美股大跌，不过，港股明天可能要回一口大 血——今晚B站和阿里的财报都很不错，尤其是阿里，Q3的经营利润同比增83%，远超预期，资本开支也环比大增80%，这意味着整个产业链都 会带动起来，目前 阿里的美股盘前已经涨10%，B站盘前涨近8%。 债券跌了不少，早上央妈净回笼了8亿的资金，金额不大，XXX比较强，属于是精准调控了，有小伙伴说，年初以来的债市，8个字总结， "徐徐 图之，徐徐屠之" ，本来想图点利息的，结果被债市一直放血，对债市的观点，我们写在后半部分。 说回股市，我拉了一下， 下图是25年以来，全球主要股指的表现 ，可以总结为，全球性的互相掏裤兜行情——如果你把美联储视为全球的实际 央行的话，因为川宝上台的关税威胁，导致降息预期被压制，且美联储缩表的进程也没有结束的意思，实际全球都是走的，存量资金再分配的故 事。 比如，一头一尾， 港股大涨，日本和印度垫底 ，显然有全球资金，在亚太区域进行配置的过程中，增配中资科技股，相应减配日本和印度的影 子，这个趋势明天很可能继续； 事实上，近一周，全市场所有的宽基指数，除了 ...