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Commercial banks strengthen the marketing of personal pension business, such as "opening an account and paying fees, you can get a reduction from WeChat", "paying a limited amount of gifts" and "enjoying tax concessions" ... Near the end of the year, many commercial banks are strengthening the marketing of personal pension business to attract customers to open personal pension accounts and personal pension fund accounts, and pay a certain amount of money. According to combing, recently, the "marketing craze" of personal pension business of ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications, China Postal Savings Bank, Industrial Bank and other banks and their branches is heating up continuously. In addition, with the help of Internet financial platforms such as JD.COM Science and Technology Holding Co., Ltd. (hereinafter referred to as "Jingdong Finance"), some banks have stepped up their efforts to "grab the cake" of personal pension business, and increased the number of customers. The experts interviewed believe that it is an important measure for banks and other institutions to carry out personal pension business to implement the national strategy of actively responding to the aging population, which will help promote the implementation of personal pension policy. For banks, personal pension business can increase customer resources and provide a broader market space for bank wealth management business. (Securities Daily)The property market in several hot cities is improving. Recently, several hot areas have released "battle reports" on the sales of new houses and second-hand houses, and the key data of some cities represented by Nanjing and Shenzhen are improving. From the perspective of housing enterprises, recently listed housing enterprises have gathered together to disclose their sales performance in November, which has led to certain differentiation. According to industry insiders, looking forward to the future, with the continuous efforts of favorable policies, the real estate market is expected to be stable and positive. (CSI)What you need to know about the global news overnight on Tuesday: 1. China's asset carnival overnight. The Hang Seng Index closed up 3.43% and the Hang Seng Technology Index closed up 4.22% overnight. China ETF rose more than 24% when it tripled its wealth. IShares MSCI China ETF closed up 7.76%. FTSE China A50 index futures reopened after closing up 4.66% yesterday afternoon, and closed up 0.86% at night. 2. Nasdaq China Jinlong Index closed up by 8.54%, and many popular Chinese stocks rose by more than 10%. Tiger Securities rose more than 26%, Futu Holdings rose more than 17%, Billie Billie rose more than 21%, Weilai and Xpeng Motors rose more than 12%, iQiyi rose more than 11%, JD.COM rose more than 11%, Pinduoduo and Netease rose more than 10%, and Alibaba, Baidu and LI rose more than 7%. Many rooms touched the fuse many times in intraday trading, and finally closed up 52.14%. 3. The three major US stock indexes collectively closed down, with the Dow down 0.54%, the Nasdaq down 0.62% and the S&P 500 down 0.61%. Bitcoin dropped to $95,000, cryptocurrency concept stocks fell, Riot Platforms fell more than 13%, Coinbase fell nearly 10%, MicroStrategy and Bit Digital fell more than 7%. 4. OpenAI released the long-awaited AI video generation model Sora. The new product is similar to the AI tool DALL-E of OpenArt. Users input the desired scene, and Sara will give back the results of HD video editing. 5. Canadian Prime Minister Trudeau said that if Trump imposes a 25% tariff, Canada "will respond". 6. French President Mark Long will convene representatives of most political parties to hold consultations on the candidate for prime minister on the 10th. 7. A 26-year-old man was arrested in Altoona, Pennsylvania on Monday, and new york police regarded him as a suspect in the shooting of Brian Thompson, CEO of United Health Insurance. 8. The latest issue of "Barometer of Trade in Goods" released by WTO shows that the prosperity index of global trade in goods in the fourth quarter of 2024 is 102.7, which is higher than the benchmark of 100. 9. It is reported that the snack and candy company Yizi International is exploring the acquisition of Hershey, a well-known American chocolate manufacturer. This potential transaction is expected to create a food giant with a total sales of nearly 50 billion US dollars. 10. The Special Investigation Department of the South Korean Prosecutor's Office said on the 9th local time that it issued an arrest warrant against former Defense Minister Jin Longxian on the grounds of "civil strife and abuse of power". 11. Oracle Bone Inscriptions's adjusted revenue in the second quarter was $14.06 billion, and it is expected to be $14.12 billion. Oracle Bone Inscriptions fell more than 8% after hours.

Oracle Bone Inscriptions executives said that the capital expenditure in fiscal year 2025 will be twice that in fiscal year 2024.Oracle Bone Inscriptions (ORCL.N) has an adjusted revenue of $14.06 billion in the second quarter, with an expected revenue of $14.12 billion.Personal pension is about to be fully rolled out: it is necessary to "divide the product shelves". Since it was officially launched in November 2022, the personal pension system has entered its third year. Insiders told reporters that according to the relevant arrangements, on the basis of the pilot experience in 36 cities, the system will soon be implemented nationwide, and the relevant deployment is imminent. Taking personal pension as the starting point, financial institutions' sense of participation in pension finance has been continuously improved, product shelves connected with personal pension system have been continuously enriched, and people's awareness of pension reserves has also been improved. Judging from the pilot situation, under the "enthusiastic offensive" of major banks, insurance, funds and other institutions, although it is not difficult to increase the number of accounts opened, problems such as "cold deposit" and "idle accounts" still exist. Related issues are the result of multiple factors interweaving, and people in the industry expect relevant policies to be optimized. When the personal pension system is about to be fully rolled out, how to make this pension reserve related to people's livelihood applaud and make a seat? Experts suggest that with the continuous expansion and upgrading of various products, product shelves need to be layered, strengthen differentiated advantages, and improve public participation and capital use efficiency. At the same time, optimize product design and policy support to ensure the fairness and operability of layered products, so as to realize the long-term sustainable development of individual pension system. (CSI)

The position ETF--SPDR Gold Trust, the world's largest gold ETF, decreased by 1.15 tons compared with the previous trading day, and the current position is 870.79 tons.Zhang Jun, chief economist of Galaxy Securities, believes that it is expected that the Bank of China will cut interest rates and RRR more vigorously next year, and the policy interest rate may be lowered by 40-60 basis points for the whole year, leading the five-year LPR to decline by 60-100 basis points, and the RRR may be lowered by 150-250 basis points for the whole year.AppLovin closed down nearly 15%, the biggest one-day drop since August 2022.