Market Performance - The three major US stock indices experienced slight declines, with the Dow Jones down 0.63% at 44,371.51 points, the S&P 500 down 0.33% at 6,259.75 points, and the Nasdaq down 0.22% at 20,585.53 points [1] - Major tech stocks mostly rose, with Google up over 1%, Amazon up more than 1%, Tesla up over 1%, Nvidia up 0.5%, and Microsoft up 0.37%. However, Apple fell 0.59% and Facebook dropped over 1% [1] - Chinese concept stocks showed mixed results, with Century Internet up over 14%, Hesai Technology up more than 8%, NIO up over 5%, and iQIYI up over 5%. Conversely, Linklogis fell over 16%, BrainCo dropped more than 10%, Beike fell over 4%, and Bawang Tea dropped over 3% [1] - European stock indices closed lower across the board, with Germany's DAX down 0.82% at 24,255.31 points, France's CAC40 down 0.92% at 7,829.29 points, and the UK's FTSE 100 down 0.38% at 8,941.12 points [1] Commodity Prices - International precious metal futures generally rose, with COMEX gold futures up 1.34% at $3,370.30 per ounce and COMEX silver futures up 4.74% at $39.08 per ounce [1] - International oil prices surged, with the main US oil contract up 3.27% at $68.75 per barrel and Brent crude oil up 2.9% at $70.63 per barrel [1] Currency and Bond Markets - The US dollar index rose 0.29% to 97.87, while the offshore RMB closed at 7.1736 against the US dollar [1] - US Treasury yields increased across the board, with the 2-year yield up 1.5 basis points at 3.885%, the 3-year yield up 1.66 basis points at 3.853%, the 5-year yield up 3.68 basis points at 3.969%, the 10-year yield up 6.15 basis points at 4.409%, and the 30-year yield up 7.76 basis points at 4.946% [1] - European bond yields also rose collectively, with the UK 10-year yield up 2.6 basis points at 4.620%, France's 10-year yield up 1.5 basis points at 3.410%, Germany's 10-year yield up 1.9 basis points at 2.721%, Italy's 10-year yield up 1.2 basis points at 3.568%, and Spain's 10-year yield up 1.2 basis points at 3.328% [1]

中国财政部发行3年期债券，规模1240亿元，发行利率1.3735%，边际利率1.4022%，预期1.4000%，投 标倍数3.12倍，边际倍数4.22倍。 中国财政部发行2年期债券，规模1240亿元，发行利率1.3582%，边际利率1.3794%，预期1.3800%，投 标倍数3.60倍，边际倍数1.05倍； ...

2025年7月9日，艾德金融作为配售代理，协助科学城（广州）融资租赁有限公司（「公司」）成功发行3,600万美元3年期高级无抵押担保固息债券，票面 利率为6.00%。债券发行结构为担保发行。本期债券筹资所得款项净额将用于融资租赁项目投资。债券于中华（澳门）金融资产交易股份有限公司上市。 公司是由科学城（广州）投资集团有限公司及皇朝家居控股有限公司（01198.HK）出资的专业化国有控股融资租赁公司，以高端装备制造、新能源&新材 料、新一代信息技术、绿色环保、航空船舶、生物医药、教育等为重点投向领域。 关于艾德金融 艾德金融植根香港，是一家以金融科技为核心的全方位金融集团，致力将最新科技融入企业基因。集团涵盖多元化业务，包括但不限于：金融科技、互联 网金融、财富管理、资产管理、投资银行及数字资产；致力为客户提供安全可靠、优质便捷的一站式金融服务及产品。集团旗下成员在主要金融市场持有 多个牌照，包括由香港证监会发出的第1、2、3、4、5、6、9类受规管活动牌照、香港保险经纪业务牌照、香港信托或公司服务提供者牌照，同时也是香 港交易所参与者（经纪代号：0974及0977）。此外，集团全资美国经纪交易商子公司Eddi ...

Group 1 - The company issued a 3-year bond with a total scale of 4 billion yuan [1] - The issuance interest rate was set at 1.4000%, with an expected rate of 1.5200% [1] - The bid-to-cover ratio was 4.22 times, indicating strong demand for the bond [1] - The marginal bid-to-cover ratio was 1.29 times, reflecting competitive bidding [1]

国开行发行3年期债券，规模80亿元，发行利率1.5370%，预期1.5000%，投标倍数2.23倍，边际倍数 8.31倍； 国开行发行7年期债券，规模20亿元，发行利率1.6550%，预期1.6500%，投标倍数4.50倍，边际倍数 10.00倍。 国开行发行185天期债券，规模20亿元，发行利率1.3908%，预期1.3200%，投标倍数2.97倍，边际倍数 2.17倍； ...

上周强劲就业数据彻底颠覆市场预期后，美债期货交易员正在大幅平仓多头头寸，推动美债收益率进一 步走高。 大规模多头平仓加剧收益率上行压力 仅在上周四（7月3日）非农数据公布当天，与10年期美债挂钩的合约就有约每个基点500万美元的风险 敞口被平仓，相当于交易员抛售了约70亿美元的10年期美债。 分析指出，这一去杠杆化过程成为推动美债收益率上行的重要力量。交易员在强劲就业数据公布前押注 疲弱表现将支撑降息预期，但现实的反转让这些头寸面临巨大压力。 据华尔街见闻此前文章提及，7月3日，美国劳工部公布的数据显示，美国6月非农新增就业14.7万人超 预期，4、5月合计上修1.6万人，失业率意外降至4.1%。 本周二，债券市场再次承压，全球长期主权债券需求疲软，主要因日本长期国债收益率飙升以及"大漂 亮法案"可能大举推高赤字，导致全球范围内对长期主权债的需求出现大规模退潮，且引发了投资者担 忧各国政府过度依赖长期债券融资。 7月9日，据报道，美债期货交易员持有的风险敞口，即未平仓合约，在过去几个交易日急剧下降，仅上 周四非农公布当天，统计数据显示，交易员抛售了70亿美元的10年期美债。 报道称，交易员此前在就业数据公布前 ...

农发行发行3年期债券，规模20亿元，发行利率1.6524%，预期1.6500%，投标倍数5.06倍，边际倍数 4.64倍； 农发行发行10年期债券，规模160亿元，发行利率1.7389%，预期1.7400%，投标倍数3.72倍，边际倍数 1.90倍。 ...

本文字数：2810，阅读时长大约4分钟 作者 | 第一财经 安卓 定期存款要"提前兑付"？近日，一则关于亿联银行将提前兑付某存款产品的消息在社交平台炸开了 锅，多位客户表示收到亿联银行的电话通知，根据通知，亿联银行决定于近日针对3年专享款存款产 品进行提前兑付。 7月7日，第一财经就上述传闻向该行客服求证，客服表示，亿联银行目前没有对任何产品进行止 付，"如果对产品有调整的话，我行会提前在亿联银行的公众号进行公告。"该客服表示。 第一财经发现，这款名为"3年专享款"存款产品的综合年利率高达4.2%，利率由两部分构成，一部分 为产品本身的年利率，而另一部分，则是与第三方合作的增利利率。 提前兑付3年定存产品？ 关于亿联银行将提前兑付"3年专享款"存款产品的消息最早于7月4日在社交平台流传，并很快引发了 该行储户的关注。 第一财经获得的一份未核实来源的录音显示，亿联银行AI客服播报称：为响应国家金融监管合规经 营要求，有效维护金融市场秩序，我行经审慎研究决定于近日针对"3年专享款"存款产品进行提前兑 付，您持有的相关产品按照原产品约定利率和实际持有天数计息，本金和利息自动兑付到活期账户。 2025.07. 08 ...

Core Viewpoint - The news revolves around Yilian Bank's decision to potentially redeem a specific deposit product early, which has raised concerns among customers regarding interest loss and the bank's financial practices [1][2]. Group 1: Early Redemption of Deposit Products - Yilian Bank is reportedly considering early redemption of its "3-Year Exclusive Deposit" product, which has a comprehensive annual interest rate of 4.2% [1][2]. - Customers have expressed concerns that early redemption would result in a loss of nearly one year of interest, as the product was originally set to mature in September 2026 [2]. Group 2: Interest Rate Structure - The "3-Year Exclusive Deposit" product's interest rate consists of a base rate of 2.95% plus an additional 1.25% linked to a third-party incentive related to the "Deposit Insurance Regulations," resulting in a total of 4.2% [2]. - Other deposit products from Yilian Bank also feature similar structures, such as the "Good Yilian 32-Day" product with a total rate of 3.6% and the "Exclusive 366-Day" product with a total rate of 3.8% [3]. Group 3: Third-Party Involvement - Customers are required to sign an agreement with a third party, Hunan Chengshengde Technology Co., Ltd., to receive the additional interest, indicating that the incentive rates are not fixed and may fluctuate [4]. - Hunan Chengshengde has previously been involved in Yilian Bank's promotional activities, raising concerns about the legitimacy of these practices [5]. Group 4: Financial Performance and Challenges - Yilian Bank has faced declining revenues and profits since 2020, with a reported net loss of 5.9 billion in 2024, making it the only loss-making bank among 19 private banks that year [7]. - The bank's total assets and liabilities have both significantly decreased, with total assets dropping by 21% to 408.22 billion and total liabilities also down by 21% to 379.66 billion by the end of 2024 [8]. - The bank's heavy reliance on personal fixed deposits, which account for over 84% of its deposit balance, has created pressure, especially in a declining interest rate environment [8].

⑥国际油价上涨，美油主力合约收涨1.37%，报67.92美元/桶；布伦特原油主力合约涨1.84%，报69.56美 元/桶； ①美国三大股指全线收跌，道指跌0.94%，标普500指数跌0.79%，纳指跌0.92%； ②大型科技股多数下跌，特斯拉跌超6%，苹果跌逾1%，谷歌跌超1%，英伟达跌0.69%，微软跌 0.22%，脸书跌0.09%，亚马逊涨0.03%； ③热门中概股多数上涨，比特数字涨超18%，哔哩哔哩涨逾7%，霸王茶姬涨超5%，亚朵涨逾5%，携程 集团涨逾4%，百度集团涨近4%，金山云涨超3%，理想汽车涨逾3%。跌幅方面，脑再生跌超19%，联 掌门户跌逾15%，万国数据跌超4%，比特小鹿跌逾4%； ④欧洲三大股指收盘涨跌不一，德国DAX指数涨1.2%报24073.67点，法国CAC40指数涨0.35%报7723.47 点，英国富时100指数跌0.19%报8806.53点； ⑤国际贵金属期货收盘涨跌不一，COMEX黄金期货涨0.10%报3346.40美元/盎司，COMEX白银期货跌 0.39%报36.94美元/盎司； ⑦纽约尾盘，美元指数涨0.58%报97.55，离岸人民币对美元跌150个基点报7.179 ...