[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617411406545":3,"related-JP2025060617411406545":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,7352,"1",1,"JP2025060617411406545","1041018",3,"降准+降息来啦，如何影响你的钱包？","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","央妈发来大礼包","\u003Cdiv>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">大家好呀~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">今天一早，金融圈\u003C\u002Fspan>\u003Cspan leaf=\"\">突然热闹起来——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan leaf=\"\">央行、金管局、证监会的「一把手\u003C\u002Fspan>\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">」罕见同台，\u003C\u002Fspan>\u003Cspan leaf=\"\">密集抛出新动作，条条都跟咱们的钱包脱不了关系。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff9db3016-a9fb-4226-99a9-70b4d5a7262d.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">01 三个大动作\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">这次最直接影响我们的，有三条：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">-降准0.5%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">：\u003C\u002Fspan>\u003Cspan leaf=\"\">银行上交给央行的「保证金\u003C\u002Fspan>\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">」少了，\u003C\u002Fspan>\u003Cspan leaf=\"\">手里的钱更多，可以加大放贷力度。简单说，就是\u003C\u002Fspan>\u003Cspan leaf=\"\">给市场「加点水\u003C\u002Fspan>\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">-政策利率降息0.1%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">：贷款利率下调，借钱更便宜，鼓励消费、投资。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">-公积金贷款利率降0.25%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，\u003C\u002Fspan>\u003Cspan leaf=\"\">房贷又能省下一笔。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">那为啥一下出这么多招呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">说到底，\u003C\u002Fspan>\u003Cspan leaf=\"\">还是经济复苏的劲头不够足，需要政策「输点血\u003C\u002Fspan>\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">」、打打气。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">之前总在说「择机而动」，这回终于等到出手。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F4cbba53f-3473-4d45-b6f4-53becf9c3666.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">02 利率下调，有多大影响？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">政策利率下调，接下来的5月20日，和房贷挂钩的\u003C\u002Fspan>\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">5年期LPR\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，应该也能同步降0.1%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">按照100万贷款、20年、等额本息计算，每月能少还\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">50块\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">蚊子腿也是肉，省点也是好的😂\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">另外，好多小伙伴可能还不知道：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">从去年开始，房贷利率可以按季度调整，不再一年一次。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">比如我把「重定价周期」设为3个月，那这次如果LPR在5月下调，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">最快7月起就能享受新利率\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F2ffbdf68-5022-4389-b482-8e33cb05b81d.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：农行app-房贷利率调整\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">当然，LPR如果上涨的话，房贷也会跟着「水涨船高」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">不过，目前环境还是低利率为主。参考美、日地产周期，低利率往往能持续\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">好多年\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">重定价周期的调整呢，一笔贷款的存续期内，只能改一次。\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">我的贷款余额不多，加上主观判断往后降息的概率还是挺大的，早降早享受了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">再来说说\u003C\u002Fspan>\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">公积金贷款\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，这次下调0.25%，力度挺大的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">同样条件下\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（100万贷款、20年、等额本息）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，每月能少还\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">130元\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">但注意，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">存量公积金房贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">要等到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">明年1月1日起\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">才会执行新利率，小伙伴们别着急哦~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F6329a656-80f1-4322-976a-508b53b424da.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">03 中美谈判\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">除了降准、降息，今天还有个大新闻是\u003Cspan style=\"font-weight: bold;\" textstyle=\"\">中美打算谈判\u003C\u002Fspan>了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F52732eea-4e50-40e6-8fec-aeb0df091ae7.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：外交部官网\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">其实这段时间，像日本、印度这些国家都已经先一步和美国谈上了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">市场情绪也逐渐缓和：各国股市\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">基本回到了4月3日\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">特朗普关税战言论\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">之前的水平\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F740ce19e-eed9-44e2-b404-585b0e939e78.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：MSCI全球指数基金\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">但中国是全球第一制造国，分量不同，能不能谈、谈得怎么样，大家都特别关心。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">这次消息一出，股市还行，小幅上涨，更明显的是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">汇率的反应\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">人民币汇率从4月初的\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">7.42\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">升到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">7.2\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，说明外资重新涌入。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F212ed1c8-cf0a-47c5-b008-1b77bf9dddb9.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：WIND金融终端\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">而外资的回流，也正好\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">给这次降息腾出了空间\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（避免中美利差扩大，引发资本外流）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">现在回头看4月初那一波下跌，就更能理解巴菲特在\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650676121&idx=1&sn=127df3fb04a94c5ec3c32c55036f37f0&scene=21#wechat_redirect\" linktype=\"text\" style=\"color: rgb(0, 82, 255);;color:#409eff\" target=\"_blank\" textvalue=\"\">\u003Cspan style=\"color: rgb(0, 82, 255);\" textstyle=\"\">股东大会\u003C\u002Fspan>\u003C\u002Fa>上说的：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">\u003Cspan leaf=\"\">如果你会因为股市涨15%就高兴、跌15%就恐慌，那你得换一种投资理念。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">\u003Cspan leaf=\"\">市场不会为了你来改变节奏，你得学会适应这个世界。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">\u003Cspan leaf=\"\">投资时，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">情绪得留在门外\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">的确，有时候什么都不做，也是一种积极、主动的选择。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">未来市场的震荡不会少：也许是谈判反复，也可能是消费走弱。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">但\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">波动，本来就是股市长期回报的来源。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">关键不是每次都踩准节奏，而是想清楚：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">用什么方式待在场内，你才能待得住、睡得着。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">稳住自己的节奏，才有可能真正穿越周期。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc98ba51d-19ad-45fb-8376-57b2090cbbf7.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan leaf=\"\">04 现金、债市、楼市，怎么看？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">最后，再来说说现金、债市和房市的近况。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">-现金：利率还在降\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">最近，又有银行下调了存款利率，3年、5年期定存基本都降到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">2%以下\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">本质上，银行是靠「存贷利差」赚钱的，而现在净息差来到历史低位：贷款难了，存款利率\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">大概率还会往下走\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">对咱们来说，最好\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">降一降收益预期\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。无风险利率下降，意味着全社会的平均回报率低了，在这样的环境下就更要谨慎了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">有朋友看海外利率高，把资金转成外汇存款或理财，这么做也可以，但别忽略\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">汇率风险\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">比如近一个月，美元对人民币就跌了1.5%，利息没赚多少，汇兑可能反而亏了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">所以建议：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">有实际需求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（海外消费、资产配置）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">再换汇，别纯靠利率差倒腾资金。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);font-weight: normal;\" textstyle=\"\">*拓展阅读：\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Ca data-itemshowtype=\"0\" data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674447&idx=1&sn=4f938b2becccb9b62e0cd47ee6f7685c&scene=21#wechat_redirect\" linktype=\"text\" style=\"color: rgb(0, 82, 255);;color:#409eff\" target=\"_blank\" textvalue=\"哇，还有5%的低风险理财\">\u003Cspan style=\"font-size: 14px;color: rgb(0, 82, 255);font-weight: normal;\" textstyle=\"\">哇，还有5%的低风险理财\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">-债市\u002F理财：有点小波动\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">债券价格和利率走势相反，今年的利率经历了\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">先涨后降\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，债市也随之\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">先跌后涨\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fe2c147ce-5cc4-46f3-a68f-6c93c2801c42.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：WIND金融终端\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">大趋势上，财政部刚刚发行了超长期国债，利率要是上升呢，还债压力会变大，所以咱们不用太担心利率上涨。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">但短期内，利率波动一下还是挺正常的。比如年初10年期国债利率从1.6%快速上行到2%，未来类似的震荡行情可能还会出现。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">但对我们来说，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">没必要为利率涨跌频繁调仓\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，那就和炒股没区别了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">反而在债基、理财下跌的时候，多稳一稳信心，明白我们所处的经济环境、利率大方向，别因为短期回撤就轻易恐慌。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">配置上，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">1年以内的闲钱，可以选择短债基金\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（年化约2%）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">；1年以上的，适当考虑长债。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">-房市：房价低迷ing\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">目前来看，部分一线城市的新房成交还可以，但房价还是没啥起色。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">原因也不难理解——现在的新房不\u003Cspan style=\"font-weight: normal;\" textstyle=\"\">仅\u003C\u002Fspan>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"font-weight: normal;\" textstyle=\"\">公摊少、面积大、还自带精装修\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"font-weight: normal;\" textstyle=\"\">，\u003C\u002Fspan>在性价比上甩开不少老旧二手房。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">归根结底，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">房子本质上是消费品属性更强的资产\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，最终会回归它的居住和使用价值。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F46092054-07df-4046-9407-b5b4a569f956.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">好啦，这次「\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">降准+降息\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">」联动，是今年政策节奏加快的重要信号。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">它可能不一定马上带来一波大行情，但至少，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">对信心和预期是一次实实在在的修复\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">对我们来说，不必每次都跑在政策前面做决定， 关键是找准自己的节奏，管好手里的钱，分清资产的账。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">在波动中不慌、不乱，稳稳地留在场上，就已经比很多人走得更远了~\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>\u003Cspan data-pm-slice=\"0 0 []\" style=\"color: rgba(0, 0, 0, 0.9);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 1px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;float: none;display: inline !important;\">\u003Cspan leaf=\"\">晚安🌹\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-05-07 21:41:00",100,0,"renqiang@jane7.com","2025-06-06 17:41:14",false,17414,"1038002",[],[],[],[],[]]