这些看似不起眼的机构，把大量既不紧急、也不复杂的健康需求，稳定地留在社区层面，承担了约90%的门诊需求，而其财政支出仅占整体医疗费用的约14% 初级保健中心长什么样？ 林野连日肠胃不适，今天来到西班牙这家市立医院，本想挂消化内科的号。他四处张望，却找不到熟悉的挂号窗口，反而被告知：医院不设现场挂号，必须提前预约。更令他意外的是，他本人无法直接预约，必须先去社区的初级保健中心，由家庭医生判断是否需要转诊。 这让林野颇为不快。多年来，他已经习惯了有病就上大医院，排队、挂号、付费。在他看来，这是对医疗资源最直接、也最可靠的获取方式。他并不相信社区里的初级保健中心，真能解决自己的问题。 推荐进入 财新数据库 ，可随时查阅宏观经济、股票债券、公司人物，财经数据尽在掌握。

中共中央、国务院发布《现代化首都都市圈空间协同规划(2023-2035年)》，着力优化京津冀城市体系。构建“一核两翼、双城多点、双廊多圈”的首都都市圈空间格局。要充分发挥北京“一核”的辐射带动作用，加强“四个中心”功能建设，提升“四个服务”水平，营造一流的中央政务环境。高标准高质量建设河北雄安新区（885744），把北京城市副中心建设成为首都发展新的增长极，推动“两翼”比翼齐飞。高质量谱写京津“双城记”，天津加强北方国际（000065）航运核心区建设，共同打造区域发展高地。发挥河北节点城市支撑作用，形成优势互促、联动发展的功能格局。

AXS Investments LLC lifted its position in Tesla, Inc. (NASDAQ:TSLA - Free Report) by 28.8% during the 3rd quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The firm owned 6,831 shares of the electric vehicle producer's stock after acquiring an additional 1,528 shares during the period. Tesla accounts for approximately 1.3% of AXS Investments LLC's investment portfolio, making the stock its 22nd biggest holding. AXS Investments LLC's holdings in Tesla were worth $3,038,000 at the end of the most recent reporting period. A number of other institutional investors and hedge funds also recently added to or reduced their stakes in the company. Norges Bank purchased a new position in Tesla during the 2nd quarter worth approximately $11,839,824,000. Vanguard Group Inc. boosted its holdings in Tesla by 1.8% in the second quarter. Vanguard Group Inc. now owns 251,390,681 shares of the electric vehicle producer's stock valued at $79,856,764,000 after purchasing an additional 4,502,976 shares during the last quarter. Amundi grew its position in Tesla by 20.4% during the 2nd quarter. Amundi now owns 20,194,152 shares of the electric vehicle producer's stock worth $6,374,284,000 after purchasing an additional 3,422,270 shares during the period. Jennison Associates LLC raised its stake in shares of Tesla by 38.3% during the 3rd quarter. Jennison Associates LLC now owns 10,909,666 shares of the electric vehicle producer's stock valued at $4,851,747,000 after buying an additional 3,021,550 shares during the last quarter. Finally, Geode Capital Management LLC lifted its holdings in shares of Tesla by 2.0% in the 2nd quarter. Geode Capital Management LLC now owns 64,767,993 shares of the electric vehicle producer's stock valued at $20,480,477,000 after buying an additional 1,269,304 shares during the period. Institutional investors and hedge funds own 66.20% of the company's stock. Get Tesla alerts: Sign Up Insider Transact...

TFB Advisors LLC lessened its position in shares of Tesla, Inc. (NASDAQ:TSLA - Free Report) by 55.3% in the third quarter, according to its most recent filing with the SEC. The firm owned 2,341 shares of the electric vehicle producer's stock after selling 2,893 shares during the quarter. TFB Advisors LLC's holdings in Tesla were worth $1,005,000 at the end of the most recent quarter. A number of other hedge funds and other institutional investors have also recently modified their holdings of the company. Norges Bank bought a new stake in shares of Tesla during the 2nd quarter valued at about $11,839,824,000. Vanguard Group Inc. lifted its stake in Tesla by 1.8% in the second quarter. Vanguard Group Inc. now owns 251,390,681 shares of the electric vehicle producer's stock valued at $79,856,764,000 after buying an additional 4,502,976 shares during the period. Amundi grew its position in shares of Tesla by 20.4% during the 2nd quarter. Amundi now owns 20,194,152 shares of the electric vehicle producer's stock worth $6,374,284,000 after buying an additional 3,422,270 shares during the period. Jennison Associates LLC increased its stake in shares of Tesla by 38.3% in the 3rd quarter. Jennison Associates LLC now owns 10,909,666 shares of the electric vehicle producer's stock valued at $4,851,747,000 after acquiring an additional 3,021,550 shares in the last quarter. Finally, Geode Capital Management LLC lifted its position in shares of Tesla by 2.0% during the 2nd quarter. Geode Capital Management LLC now owns 64,767,993 shares of the electric vehicle producer's stock valued at $20,480,477,000 after acquiring an additional 1,269,304 shares during the period. Institutional investors and hedge funds own 66.20% of the company's stock. Get Tesla alerts: Sign Up Analysts Set New Price Targets Several research firms have weighed in on TSLA. New Street Research lifted their price target on shares of Tesla from $520.00 to $600.00 and gave the company a "buy" rating in a research...

文章提及标的 联芸科技 -- 联芸科技（688449）公告，2025年度实现营业总收入13.31亿元，同比增长13.42%；归属于母公司所有者的净利润1.42亿元，同比增长20.36%；归属于母公司所有者的扣除非经常性损益的净利润1.01亿元，同比增长130.29%。

格隆汇2月2日丨中共中央、国务院发布关于《现代化首都都市圈空间协同规划(2023－2035年)》的批复。其中指出，构建优化首都都市圈的圈层结构。建设京津、京雄走廊，梯次布局北京平原新城、北京生态涵养区、通勤圈、功能圈和产业协同圈。通勤圈要聚焦职住协同，健全同城化发展体制机制。严守北京市常住人口总量上限，推动北京中心城区功能疏解提升，发挥北京城市副中心示范带动非首都功能疏解和区域协同发展作用，加快北京平原新城承接中心城区适宜功能和疏解人口，提升北京生态涵养区首都生态安全保障功能。加强以轨道交通为骨架、以道路交通为支撑的通勤圈交通系统建设。北京市通州区与河北省廊坊市北三县、北京大兴国际机场临空经济区、通武廊、房涿涞等跨界地区要发挥先行示范作用，实现一体化高质量发展。功能圈要聚焦疏解提升，增强首都都市圈核心竞争力。推动北京中心城区与城市副中心主副结合、天津“津城”与“滨城”协同发展、河北雄安新区与保定中心城区联动发展，培育京津雄地区创新三角。将京津走廊建设成为智力资源密集、高水平对外开放、联通国内国际双循环的综合创新走廊。将京雄走廊建设成为功能疏解与承接、科技创新、制度创新的高质量发展走廊。产业协同圈要深入实施主体功能区战略，强化分工协作，促进城乡要素双向流动，构建面向全国乃至全球的多层次协同开放格局。

韩国股市的快速上涨已经使部分板块估值偏高，投资者应警惕短期技术性调整风险。 涨势凶猛的韩国股市突然遭遇“急刹车”。 当地时间2月2日，韩国股市遭遇“黑色星期一”， 韩国综合股价指数（KOSPI）跌超5%，失守5000点关口。 去年，韩国股市以全年76%的涨幅成为全球表现最佳的市场之一，KOSPI也创下自1999年以来的最佳表现。2026年开年以来，韩国股市延续上涨势头，不断走高，于1月22日首次突破5000点大关。 1月底，韩国交易所首席执行官郑恩博表示，随着韩国持续推进提升股东回报、吸引全球资本的改革举措，韩国股市涨势有望延续，韩国综合指数未来或攀升至6000点。同时，韩国交易所正通过“组合拳”优化资本市场整体环境。 开年首次触发熔断机制 2日一早开盘，KOSPI指数便从5122.62点下跌，跌破5000点之后跌幅虽有所收窄，但上午10时起急剧下跌。 午盘前后，KOSPI指数单日暴跌5.26%（下跌274.67点），创2025年4月以来最大跌幅。 午间12时31分，韩国交易所启动今年以来首次针对有价证券市场暂停程序化交易卖单的“临时停牌”（Sidecar）机制，也就是熔断机制，时间长达5分钟。 不过，此次熔断机制并未止住KOSPI指数下滑态势，2日下午最终收盘报4949.67点，较前一交易日下跌274.69点。 2024年起，韩国金融监管机构已多次以“过度波动”为由启动熔断机制、暂停程序化交易，并由财政部长公开承诺“严厉应对”。2025年4月、11月也出现过类似情况。 哪些因素是诱因 对于韩国股市2日暴跌，市场分析认为，美联储政策不确定性‌，尤其释放出的鹰派信号，比如美国总统特朗普提名凯文·沃什为美联储主席，被视为导致全球流动性收紧预期的罪魁祸首，引发外资抛售。‌‌ 数据显示，全球投资者在2日当天净抛售了价值14.8亿美元的韩国股票，规模创3个月新高，同时大举购入债券避险。这种外资的大规模流动，放大了股市的波动。 与此同时，‌周末的一则重磅消息也在搅动韩国的资本市场。当地时间1月31日，英伟达与OpenAI之间价值千亿美元的合作谈判正式陷入停滞。该消息无疑为当前火热的人工智能（AI）投资浇了盆冷水，也在2月2日直接削弱市场对半导体和AI产业链信心。KOSPI指数中，三星电子（跌6%）、SK海力士（跌8%）领跌。‌‌而这两家半导体巨头占据KOSPI指数30%权重。 ...

中国人口连续第四年减少，去年出生率更降至历史新低，中国人民大学国际关系学院教授金灿荣说，今天还有一些“大聪明”认为中国人口少出生才好，他建议应成立中共中央人口促进委员会。 （互联网） 中国人口连续第四年减少，去年出生率更降至历史新低，中国人民大学国际关系学院教授金灿荣说，今天还有一些“大聪明”认为中国人口少出生才好，他建议应成立中共中央人口促进委员会。 金灿荣1月28日起在中国社媒平台微博和今日头条上，针对人口问题多次发文，称当下中国的人口形势比较严峻，“没有人口什么都没了，建议成立中央人口促进委员会”。 中国国家统计局1月19日公布的数据显示，去年中国总人口减少339万人至14亿零489万人，降幅大于2024年的139万人，也是自2022年中国总人口减少以来，降幅最大的一年。 金灿荣指出，减少339万人，相当于德国首都柏林的人口规模凭空消失，“这一数据令人深感震撼，必须引起（中）国人的高度重视”。 他说：“到了今天，还有一些‘大聪明’认为，中国人口少出生才好，每年出生三四百万就行了，出生一百万才好。如果是这点出生人口，今后对经济社会会产生多大的危害知道吗？对中国的国家竞争力会产生多大的危害知道吗？对社会保障体系、科技创新能力的负面影响知道吗？这点出生人口，以后征兵还怎么征？对中国的国防实力会产生什么影响？” 官方数据也显示，中国新生儿总数从2024年的954万人骤降至去年的792万人，出生率为1949年有记录以来最低；同期死亡人口则从2024年的1093万人增至1131万人。全年人口死亡率为8.04‰，人口自然增长率为负2.41‰。 金灿荣据此分析，792万的新生儿在全球新生儿总量中占比仅为7%。“17%的人口占比，却只诞生了7%的新生儿，这意味着中国人口在未来会出现快速萎缩。毕竟，一个国家的人口走向，最终由新生儿数量决定，照此趋势，我国的人口全球占比最终可能会从现在的17%萎缩到7%。而这是在和平时期发生的人口萎缩，形势很不乐观。” 因此金灿荣认为，中国应该举全国之力解决人口问题。他主张成立中共中央人口促进委员会，设立人口发展基金，从各方面以更大力度改善生育状况。“具体该如何落实，当然见仁见智，各地可以结合自身特点和财政实力，研究制定具体实施办法。目前知识界对此大多还是清谈为主，虽然能为人口问题出谋划策，但具体落地仍需群策群力，由中央和地方统筹决策推进。”

格隆汇2月2日｜联电(UMC.US)盘前续跌超6%，报9.56美元。消息面上，联电2025年第四季度营收同比增长2.4%至19.7亿美元，较市场预期高出6000万美元；每股收益为0.129美元，略低于市场预期0.01美元；毛利率为30.7%。期内晶圆出货量环比微降0.6%至99.4万片(约当12英寸)，整体产能利用率维持在78%。展望今年首季，公司预计晶圆出货量将保持平稳，平均销售单价将保持坚挺，毛利率预计回落至约20%高位区间，产能利用率预计处于70%中段范围。(格隆汇)

Key Points XRP could double in price over the next three years. Its long-term success depends on increased adoption of its blockchain for cross-border payments. The SEC is reviewing XRP ETFs, and approval could help XRP attract even more investors. 10 stocks we like better than XRP › No big-name cryptocurrency has done as well as XRP (CRYPTO: XRP) recently. It currently trades at $3.60 at the time of this writing (July 17), and over the last three years, it's up 899%. That's a better return than any other coin in the top 10 by market cap. Bitcoin (CRYPTO: BTC) is second at 464%. As the saying goes, past performance is no guarantee of future results. What's XRP going to do over the next three years? Let's look at growth projections and the factors that could push XRP's price even higher. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue » Growth projections for XRP and the crypto market The entire crypto market is currently worth $4 trillion, up 61% over the last year. However, the market also goes through boom and bust cycles. After breaking the $3 trillion mark in November 2021, it plummeted to below $1 trillion and took almost three years to recover. Still, analysts are generally positive about the direction of the crypto market. Market research company IMARC Group is projecting a compound annual growth rate (CAGR) of 9.7% until 2033. Morningstar analysts have similar expectations of about 10% annual growth through 2034. Finally, Roots Analysis projects annual growth of 11.5% until 2035. Based on a range of 9.7% to 11.5% annual growth, XRP would be worth $4.75 to $4.99 in three years. Not a bad return, but it's probably less than what most investors want. Some analysts are more bullish, though. Geoffrey Kendrick at Standard Chartered projects that XRP could reach $12.50 by the end of 2028. A price of $12.50 would be quite the run for XRP, but there are compelling reasons why it coul...

Key Points Silicon Valley billionaire Peter Thiel had 61% of his hedge fund's portfolio invested in Apple and Microsoft as of the third quarter. Apple reported excellent financial results in the December quarter, and the company recently selected Alphabet's Gemini models to bring AI to its voice assistant, Siri. Microsoft reported disappointing financial results in the December quarter, but the company has solid long-term growth prospects across its software and cloud businesses. 10 stocks we like better than Apple › Billionaire Peter Thiel, a Silicon Valley venture capitalist and entrepreneur, is best known for his role in co-founding Palantir Technologies. He still owns more than 3% of the company's Class A shares, as well as 30% of the Class B shares and 33% of the Class F shares. Thiel also runs a hedge fund, Thiel Macro, that manages $74 million. He made some interesting trades in the third quarter. First, he sold shares of Nvidia and Tesla, closing his position in the former, and trimming his position in the latter. Second, he added shares of Apple(NASDAQ: AAPL) and Microsoft(NASDAQ: MSFT) Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue » Those two artificial intelligence (AI) stocks account for 61% of the hedge fund's assets: 27% in Apple and 34% in Microsoft. Of course, the portfolio itself represents a microscopic percentage of Thiel's $26 billion net worth, but the position sizing still points to high conviction in both companies. Apple: 27% of Thiel Macro's portfolio Apple has cultivated a reputation for premium consumer electronics devices because of design expertise that spans hardware, software, and services. Particularly important is its ability to design custom semiconductors, which improve performance and power efficiency of its iPhone, iPad, and Mac products, and help the company control costs. Apple reported strong financial results in the first quarter of fiscal ...

部分银行实物金条甚至显示为“库存充足”状态。 2月2日，黄金、白银价格继续剧烈波动。截至记者发稿，现货黄金跌6.80%，报4562美元/盎司；现货白银跌11.46%，早间曾一度转涨，但随后又大幅下挫，报75.49美元/盎司。 第一财经发现，随着黄金、白银价格持续大幅下挫，人们投资实物黄金的热情有所松动，部分投资者选择观望，此前日日被抢断货的银行金条也出现了库存，部分银行的实物金条甚至显示为“库存充足”状态。 投资情绪降温 今年1月，贵金属经历了历史罕见的上涨行情。去年12月底至1月28日，市场对美联储的独立性担忧、地缘风险中枢上行及弱美元预期等，直接催化COMEX黄金期货于1月29日突破5600美元/盎司，月内最高涨幅超过29%，COMEX白银期货突破120美元/盎司，月内最高涨幅甚至达到72%，不断刷新历史。 1月30日，黄金、白银价格同步上演“高台跳水”，其中，COMEX黄金期货跌8.35%报4907.50美元/盎司，COMEX白银期货跌25.50%报85.25美元/盎司。 业内普遍认为，本次黄金“巨震”，直接原因或是美国总统特朗普提名凯文·沃什为新任美联储主席，导致“独立性危机”担忧降温，美元反弹。 2月2日，黄金、白银价格继续下探，投资者情绪也出现了变化。上周末，有投资者趁回调买入实物黄金，但周一的跌势加重了人们的疑虑，实物黄金投资热度出现一定程度的降温。 午间，第一财经登录各大银行APP，发现部分银行的投资金条处于可购买状态，而在过去一段时间这个时段，金条基本宣告售罄。 其中，浦发银行APP显示，10克秦金金豆报价11090元，处于库存充足状态；50克秦之金投资金条亦处于库存充足状态。 招商银行的小克重攒金一直备受追捧，该行一客户经理对第一财经说，这段时间，客户疯狂买金，甚至用炒股票的思维炒黄金，导致库存紧张。其中，小克重是所有规格的黄金中销售最为火热的，“我们的APP上9:30开售，要拼手速，很快就抢没了。”她说。 不过，第一财经午间登录招商银行APP，发现小克重黄金中的1克重招行金攒金豆和3克重招行金瓜子均有库存。招行金投资金条从10克至1000克也均处于可购买状态。 另外，工商银行的如意金条从5克到200克，出现间歇性库存状态，比如午间，该行5克、10克、20克、200克等规格均出现少量库存。但大师十二生肖传世金系列等主打产品全线售罄。 农行APP的...

Mawer Investment Management Ltd. raised its position in Taiwan Semiconductor Manufacturing Company Ltd. (NYSE:TSM - Free Report) by 3.0% during the third quarter, according to the company in its most recent disclosure with the SEC. The firm owned 214,395 shares of the semiconductor company's stock after acquiring an additional 6,327 shares during the quarter. Mawer Investment Management Ltd.'s holdings in Taiwan Semiconductor Manufacturing were worth $59,878,000 at the end of the most recent quarter. A number of other large investors have also made changes to their positions in TSM. Heartwood Wealth Advisors LLC purchased a new position in shares of Taiwan Semiconductor Manufacturing during the 3rd quarter valued at $32,000. Fairman Group LLC increased its holdings in shares of Taiwan Semiconductor Manufacturing by 171.2% in the 3rd quarter. Fairman Group LLC now owns 141 shares of the semiconductor company's stock worth $39,000 after buying an additional 89 shares during the last quarter. Resources Management Corp CT ADV purchased a new stake in Taiwan Semiconductor Manufacturing during the second quarter valued at approximately $32,000. Mid American Wealth Advisory Group Inc. bought a new stake in Taiwan Semiconductor Manufacturing in the second quarter worth $33,000. Finally, Navigoe LLC purchased a new position in shares of Taiwan Semiconductor Manufacturing during the 3rd quarter worth about $42,000. 16.51% of the stock is currently owned by institutional investors. Get TSM alerts: Sign Up Analysts Set New Price Targets Several brokerages recently issued reports on TSM. UBS Group set a $330.00 price objective on Taiwan Semiconductor Manufacturing in a research note on Sunday, December 7th. Needham & Company LLC lifted their price objective on shares of Taiwan Semiconductor Manufacturing from $360.00 to $410.00 and gave the company a "buy" rating in a research note on Thursday, January 15th. Freedom Capital upgraded shares of Taiwan Semiconductor Manufacturing t...

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UK house prices bounced back in January after a surprise fall at the end of last year, and are predicted to improve during 2026, according to the UK’s top mortgage lender. The price of the average UK home rose by 0.3% in January, according to the lender Nationwide. That marked an improvement compared with December, when prices unexpectedly slipped by 0.4% in the weeks after Rachel Reeves’s budget in late November. Prices are now 1% higher than last year, Nationwide found, with the average price for a home now at £270,873. Economists predict that 2026 will be a year of growth in the UK’s property market, as mortgage rates fall and uncertainty around the budget begins to fade. Nationwide has forecast that prices will rise by 2%-4% this year, while the consultancy Capital Economics has predicted a 3.5% rise for the year. Robert Gardner, chief economist at Nationwide, said: “Housing market activity dipped at the end of 2025, most likely reflecting uncertainty around potential property tax changes before the budget. “Nevertheless, the number of mortgages approved for house purchase remained close to the levels prevailing before the pandemic. “Housing market activity is likely to recover in the coming quarters, especially if the improving affordability trend seen last year is maintained.” Reeves announced a new council tax surcharge on houses worth £2m or more but stopped short of more widespread levies on homes, which had been mooted. Gardner said a buyer with an average UK income buying their first home with a 20% deposit would have a monthly mortgage payment equivalent to 32% of their take-home pay. That is slightly above the long-term average of 30% but below the high of 38% in 2023. But even with signs of improving affordability, Tom Bill, of the estate agent Knight Frank, said the market could still face pressure this year. “Mortgage approvals in [December] were 9% below the five-year average, showing that demand is still fragile,” he said. “The chances of two [inte...

TD Cowen said Oracle could be looking to trim its workforce by about 18% and sell its health tech unit, Cerner. The Oracle logo is displayed on a mobile phone with the company's branding seen in the background. (Photo by Jonathan Raa/NurPhoto via Getty Images) Oracle’s debt-fueled data center expansion has drawn concerns, prompting a sharp sell-off in its stock in recent months. Last year, Oracle raised its 2026 capital expenditure view by $15 billion to $50 billion and, on Sunday, said it would raise the entire amount through equity and debt. Oracle shares have declined about 50% from their September peak. Oracle, Inc. shares declined 4% in early premarket trading on Monday, amid fresh buzz around layoffs and the company’s newly announced capital raising plan for 2026. A note from TD Cowen from last week, which claimed the cloud company could be considering workforce cuts as it aggressively builds new data centers, came into focus early Monday. The Layoffs Scenario Oracle could cut up to 30,000 jobs and sell health tech unit Cerner to ease its AI datacenter financing challenges, TD Cowen analysts had said, according to a report in tech publication The Register. That would affect 18.5% of Oracle’s total global strength of 162,000 as of May 2025. The research firm said the retrenchment, if it occurs, would be to improve the company’s financial health amid investor concerns about its debt-fueled data center buildout. The concerns are primarily driven by Oracle’s $ 300 billion deal to supply cloud infrastructure to OpenAI, announced last September. TD Cowen estimates the OpenAI deal alone will require $156 billion in capital spending for 3 million graphics processing units and other IT equipment, among other items. This year, "both equity and debt investors have raised questions about Oracle's ability to finance this build-out as demonstrated by widening of Oracle credit default swap (CDS) spreads and pressure on Oracle stock/bonds," TD Cowen said in its note, accordin...

日本首相高市早苗在本周末提前大选的最后冲刺阶段，面临一场关键的市场考验，她希望凭借一场决定性胜利，获得推行扩张性财政政策的授权。 日本财务省将于周四（大选投票前三日）拍卖规模约7000亿日元（合45亿美元）的30年期国债。 该期限国债对财政约束松动的担忧极度敏感，上月因投资者对高市早苗承诺暂停食品消费税持抵触态度，该类国债遭遇重挫。 国债拍卖一直是投资者表达日本财政状况担忧的焦点，日本债务规模达GDP的230%，财政状况为发达国家中最差。 过去五次30年期国债拍卖中，有四次的收益率在拍卖筹备阶段或结果公布后即刻飙升至历史新高。 这其中就包括10月7日的国债暴跌，彼时距离高市早苗赢得执政党自民党总裁选举、锁定首相席位仅过去三天——高市早苗被视为财政鸽派，是前首相安倍晋三“安倍经济学”的拥护者。 国债收益率与价格呈反向变动关系。 瑞穗证券首席交易台策略师Shoki Omori表示：“这场拍卖本质上相当于投资者对大选引发的财政风险态度的一次公投。” “我认为拍卖需求大概率偏弱，毕竟投资者会保持谨慎，而且他们有理由谨慎。”大森章树补充道，预计拍卖后收益率或将飙升。 这种担忧在期限溢价上体现得十分明显，期限溢价即投资者持有长期债券所要求的额外收益补偿。大森章树称，经测算30年期国债期限溢价为2.8个百分点，远比10年期日本国债1.6个百分点的期限溢价“陡峭得多”。 这是高市早苗1月19日宣布提前大选并承诺暂停消费税后，首次发行30年期国债；而最新民调显示其领导的自民党有望大胜，债券市场或因此持续处于紧张状态。 周二的10年期国债拍卖将更早反映投资者对日本国债的需求热度，不过该期限国债流动性更高、投资者群体更广泛，波动通常相对较小。 周一30年期基准日本国债收益率徘徊在3.63%，虽较1月20日3.46%的历史高点有所回落，但较10月初仍上涨约0.5个百分点。 日本主权债券市场资金主要来自国内投资者，不存在实际的资本外流风险。 但海外账户——以对冲基金为主——在超长期限日本国债交易中的占比持续提升，在传统买家寿险公司和养老基金离场后的市场空白中，加剧了这个向来平稳的市场的波动。 日本证券业协会最新数据显示，去年12月海外投资者在超长期现券国债交易中的占比约为46%，较一年前的13%大幅提升。 Daiwa Capital Markets欧洲公司研究主管Chris Scicluna...

在 AI 重构底层逻辑的同时，其在各垂直领域的落地应用已进入实操阶段，提质增效成为行业共识，而组织适配与技术迭代则成为落地关键。 1 月 30 日，第一财经 “科创未来行” 2026 年度首场 AI 产业主题沙龙于上海成功启幕。本次活动以构建 AI 新生产力为核心主题，聚焦 AI 技术落地实践与商业创新升级，汇聚学界权威、企业领袖、投资精英与实战专家，从 GEO（生成式引擎优化）、Agent（智能体）等核心维度切入，深度解构生成式 AI 时代商业革命的底层逻辑，探索产业智能化转型的可行路径。 作为 AI 领域垂直行业沙龙，本次活动吸引超 150 位关注 AI 商业化应用的各界人士齐聚一堂，共同探讨 AI 技术对生产力革新、行业格局重构、商业逻辑重塑的深层影响，见证 AI 新生产力赋能产业发展的全新可能。 打破生产力边界 ， AI 开启新红利时代 AI 对产业的变革，始于生产力核心要素与底层逻辑的重构。中欧国际工商学院经济与决策学教授、中欧 AI 与管理创新研究中心主任方跃指出，AI 应用最本质的突破，是打破了生产力三大要素的传统边界 —— 如今的 AI 兼具生产工具、劳动力双重属性，同时通过处理海量数据成为生产资料的重要载体，这种跨界融合是以往任何技术变革都未实现的突破。 尽管当前 AI 发展仍面临能力培养、数据质量、风险管控等现实问题，但方跃强调，AI 走向自动决策、自动执行是必然趋势。以 GEO 发展为核心案例，AI 正重构注意力分配与价值捕获机制，持续颠覆互联网时代的传统商业逻辑，催生全新商业模式。未来人机分工将走向最优解：AI 做执行、人做决策，人类核心角色将从具体操作转向价值判断、资源分配优先级界定与结果监测。 虎博科技 CEO 卢鑫则从企业竞争视角，提出 “AI 新红利时代，企业正在被重新排序”。她表示，高速增长的 AI 正颠覆传统流量格局，成为新的超级流量入口与用户决策入口。在 AI 的精准赋能下，用户决策路径大幅缩短，企业用户决策成本显著下降，AI 已在 70% 以上场景中对决策产生重要影响。 这一变化直接重构了企业竞争的核心逻辑，卢鑫强调，随着 AI 成为用户决策的主导力量，承担筛选、推荐、降低决策成本的核心作用，未进入 AI 推荐列表的企业，将直接被排除在竞争之外，企业营销增长的核心也从传统的渠道竞争，转向 AI 时代的决策入口竞争。 当前 AI...

中共中央、国务院批复《现代化首都都市圈空间协同规划（2023－2035年）》。首都都市圈是优化提升和服务保障首都功能的重要地区、世界一流城市群建设主引擎、中华文明传承发展重要地区、区域协同治理引领区、美丽中国建设先行区。要围绕完善首都功能区域布局，牢牢牵住疏解北京非首都功能这个“牛鼻子”，深刻把握好“都”与“城”、首都与首都都市圈、首都都市圈与京津冀城市群的关系，统筹疏解与提升、活力与秩序、发展与安全，增强区域整体竞争力和综合承载力，建成以首都为核心的世界一流都市圈、先行示范中国式现代化的首善之区，支撑京津冀世界一流城市群建设。（新华社）

当前7年期低息产品并非汽车金融市场主流，行业核心产品依旧是1~5年期常规车贷。 2026年开年，特斯拉将低息贷款周期延长至7年，率先打响开年金融促销的第一枪。随后，小鹏、理想、小米、吉利等多家车企推出了超长期低息金融购车方案。 近日，第一财经记者走访市场时发现，多家车企虽然推出超长期低息方案，但主要为补充性金融产品，且不同的车型政策有所不同。此外，多名主机厂销售人员在向消费者推销汽车时仍以此前推出的1～5年金融政策为主，而超长期低息贷款方案推出是为扩大消费群体进行的促销策略。 “7年低息”花式促销 从车企推出的七年低息金融方案来看，其首付款和月供金额较低，其中月供普遍在2000元上下。以率先推出此类金融方案的特斯拉为例，其售价23.55万元的Model3后轮驱动版，若选择7年期的“限时低息贷款方案A”，首付最低7.99万元，月供为1918元；特斯拉首付30%，年化费率仅为0.5%，折合年化利率0.98%。蔚来汽车推出限时7年（84期）低息金融购车方案，可享首付低至20%、年化费率低至0.49%。若选择BaaS电池租用服务，首付仅需3.8万元起，月供低至1872元，月利息最低62.8元，并直接降低10.8万元购车门槛。 “贷款购车总车价与全款购车一致，仅产生极低的利息，无额外加价，属于厂家优惠金融政策。”一名蔚来汽车销售人员对记者表示，首付最低20%，剩余车款可全部贷款，年化费率为0.49%，按贷款本金逐年计息，提前还款0违约金、0手续费。目前，蔚来汽车没有其他优惠政策，仅有选购现车转展车源，一次性减免6000元的优惠政策。 在这些推出长期低息金融方案的主机厂中，特斯拉和蔚来的年化费率较低，其中特斯拉首付比例相对较高，但与其合作金融机构为银行，例如中信银行、浦发银行；蔚来汽车同样选择与银行合作。理想汽车针对不同车型给出了不同的金融政策，方式更加多样化，在合作机构、年费率方面也有所差别，虽然首付比例低，但年费率较高。以理想汽车推出的6~7年期超长期金融产品为例，首付15%起，年费率2.50%（按单利折算年化利率4.69%~4.71%），适用于理想i6、理想L9、理想L8、理想L7、理想L6车型；理想i8和理想MEGA车型则采用6~7年期，首付15%起，年费率1.69%（按单利折算年化利率3.11%~3.24%）的方案。 “我们也提供1~5年期的金融产品，虽然年费率比一些...

This ETF is a great way to invest in bonds. I aspire to eventually become financially independent. For me, it's not about the size of my portfolio but whether it's producing enough passive income to cover my basic living expenses. That's leading me to lean into investing in income-generating assets. Bonds are becoming more critical to my strategy because they produce income and help diversify my stock-heavy portfolio. I'm using exchange-traded funds (ETFs) to invest in bonds. One of my favorites is the Vanguard Total Bond Market ETF (BND 0.04%). Here's why I continue to add to my position in this income-producing bond ETF. The Vanguard Total Bond Market ETF provides broad exposure to investment-grade bonds. This fund holds over 11,400 bonds from a range of issuers, including government agencies. Its holdings have an average yield to maturity of 4.3% and an average effective maturity of eight years. As a result, it should provide relatively stable interest income over the medium- to long-term. These high-quality bonds carry a low default risk. That makes them ideal for generating passive income and reducing a portfolio's risk profile. While bonds will lower a portfolio's upside potential, they help mute the impact of a bad year in the stock market. Expand NASDAQ : BND Vanguard Total Bond Market ETF Today's Change ( -0.04 %) $ -0.03 Current Price $ 73.98 Key Data Points Day's Range $ 73.92 - $ 74.05 52wk Range $ 71.41 - $ 75.15 Volume 336 The main reason I'm building a position in the Vanguard Total Bond Market ETF is to collect the relatively stable income it generates. This fund makes monthly distributions of the interest payments from its vast bond holdings. I plan to reinvest that income into additional sources of passive income. That includes continuing to buy more shares of this ETF to increase my income and lower my portfolio's risk profile. I view the Vanguard Total Bond Market ETF as a foundational holding that will help secure my financial future.

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