2025年一轮覆盖全品类、蔓延全机构的存款"降息潮"席卷而来。5月20日，6家国有大行率先发力，更新 人民币存款利率表，开启新一轮调降。彼时，工商银行、农业银行、中国银行、建设银行、交通银行5 家银行的活期利率下调5个基点，降至0.05%；定期整存整取的短期品种同步调整，3个月、6个月、1年 期、2年期均下调15个基点；长期限品种的调降幅度更大，3年期和5年期均下调25个基点，最终定格在 1.25%和1.3%；邮储银行则在短期品种上略有差异，6个月整存整取利率、1年期整存整取利率调整后分 别为0.86%、0.98%，其余期限利率水平与其他5家国有大行保持一致。 在大行的"领头"之下，"降息潮"传导至股份制银行、城农商行、民营银行等各类中小金融机构。回顾 2023年、2024年的存款利率调整，中小银行多为针对性下调3年期、5年期等长期限存款利率，以此平衡 揽储需求与成本压力，而活期、通知存款、协定存款等短期产品利率多保持稳定；但进入2025年，中小 银行的降息逻辑发生转变，呈现出全品类覆盖的显著特征，短期、长期存款产品利率同步下调成为主 流，有银行存款产品利率最大下调幅度达80个基点。经过多轮调整，一些中小银行 ...

Group 1 - Public funds have launched over 400 billion yuan in new funds this year, with 515 new funds established and a total issuance scale of 406.08 billion yuan as of May 29 [1] - Nearly 70% of A-share companies plan to distribute cash dividends, with 2,546 companies reporting a year-on-year increase in net profit [1] - Over 170 billion yuan of long-term insurance capital is accelerating into the market, indicating a growing demand for equity asset allocation [1] Group 2 - Jim Rogers has sold all his U.S. stocks and holds significant cash, expressing concerns about a potential crisis in the market [2] - Michael Burry has nearly liquidated his U.S. stock portfolio, retaining only Estée Lauder [2] - The emergence of AI agents is accelerating across various sectors, with expectations for a significant breakthrough by 2025, despite current challenges in development [2] Group 3 - In April, the net profit of 150 futures companies in China declined both year-on-year and month-on-month, with total revenue of 3.073 billion yuan and net profit of 785 million yuan [3] - The global smartphone shipment growth forecast for 2025 has been significantly reduced to 0.6% due to economic uncertainties and declining consumer spending [4] - China's shipbuilding industry continues to lead globally, with new orders accounting for a significant market share [4] Group 4 - Alibaba has open-sourced its innovative autonomous search AI agent, WebAgent, which can autonomously search and analyze information [5] - Nvidia's CEO plans to sell up to 6 million shares of the company, indicating potential changes in executive holdings [5] - Yushun Technology has changed its name to Hangzhou Yushun Technology Co., Ltd., sparking speculation about a potential IPO [5] Group 5 - Yongkun Gold has faced significant redemption issues, leading to investor complaints and legal actions, undermining its investment promises [6] - Rongda Hezhong plans to raise up to 220.8 million HKD through an IPO in Hong Kong [6] Group 6 - *ST Jinguang is facing mandatory delisting due to continuous false reporting in its annual reports, with trading suspended [8] - *ST Longyu's chairman has resigned due to personal reasons, with interim leadership established [8] Group 7 - Neta Auto's debt-to-equity swap plan has failed, leading to demands from investors for the removal of its CEO [9] - U.S. stock indices experienced slight gains, with mixed performance among major companies [9]