Today's data selection: Nearly 50% of liver protection tablets are bought by those born in the 1990s; small and medium-sized banks have intensively lowered deposit interest rates

Small and medium-sized banks have intensively cut deposit interest rates. Is there still room for interest rate cuts in 2024?

At the beginning of 2024, many small and medium-sized banks began to intensively reduce deposit interest rates before a "good start". According to incomplete statistics from China Business News, as of now, more than ten banks, including Bank of Shanghai and Bank of Suzhou, have lowered deposit interest rates by between 5 and 45 BP.

The industry generally believes that this round of intensive interest rate cuts by small and medium-sized banks is a "follow-up" reduction after the deposit interest rates of major banks were lowered at the end of December last year. On December 22, 2023, major state-owned banks intensively lowered the listed interest rates of deposits. Among them, the listed interest rates of 1-year, 2-year, 3-year, and 5-year time deposits were reduced by 10BP, 20BP, 25BP, and 25BP respectively. Since then, joint-stock banks have also followed up intensively. On December 25, many joint-stock banks such as China CITIC Bank, Ping An Bank, and Shanghai Pudong Development Bank updated and lowered the listed deposit interest rates.

It is worth noting that this is the third time since 2023 that deposit interest rates have been reduced intensively. Compared with the previous two rounds, this round of deposit interest rate cuts still follows the basic idea of ​​"big banks take the lead, and small and medium-sized banks follow up." However, since this cut coincides with the bank's "good start" marketing stage, some insiders believe that the follow-up speed of small and medium-sized banks may diverge to a certain extent: some small and medium-sized banks will cut interest rates at the same time as the big banks, but some small and medium-sized banks will also cut interest rates at the same time as the big banks. We will stick to the high interest rate position or adjust the interest rate floatingly in stages to achieve the goal of attracting savings.

Tianjin University team creates first graphene semiconductor

On January 4, graphene concept stocks in the secondary market moved abnormally, with Del Future rising by nearly 10% during early trading. As of the close of the day, the company's stock price was reported at 6.47 yuan per share, an increase of 6.07%. On the news, some media reported that a research team created the world's first functional semiconductor made of graphene, and the relevant paper was published in the authoritative journal Nature.

After searching the Nature website, the reporter found that the paper mentioned in the above report is called "Ultrahigh-mobility semiconducting epitaxial grapheneonsiliconcarbide". The co-first authors of the paper, Zhao Jian, Ji Peixuan, Li Yaqi, and Li Rui, as well as many other signed authors, are mainly from Tianjin University in China. The research team also includes researchers from the Georgia Institute of Technology in the United States.

The reporter then exclusively contacted the team. The team’s instructor, Chair Professor of Tianjin University and Executive Director of Tianjin International Research Center for Nanoparticles and Nanosystems, Ma Lei pointed out to China Business News that the research was led by the Tianjin University team and was not reported online. Dominated by foreign universities. "I took our students to do it." Marley pointed out.

Marley told reporters that the research results were discovered in the second half of 2021, and the above-mentioned paper was written in 2022. The research direction was suggested by Walt A. de Heer, one of the signed authors of the article, and the Chinese research team led by Marley undertook the main research and research work. "This is clearly stated in the 'Contribution' section of the paper," he said. He also told reporters that this should be the first functional semiconductor made of graphene.

About 42% of South Korean households have one person, and the population has been concentrated in the capital area for decades.

Data released by South Korea’s Ministry of Administration and Security on the 4th showed that approximately 42% of households in South Korea will be “one-person households” in 2023, a new record.

Some surveys in 2021 show that the increase in one-person households has even changed the eating habits of Koreans. Since people who live alone can’t finish eating too much rice and can’t cook too much if it’s too little, and there are many bakeries on the streets, more and more people are giving up rice in favor of bread. As a result, Koreans’ pasta intake has increased, and the demand for rice has increased. reduce.

Another phenomenon worth noting is that the Korean population has been clustered in the capital area for decades. Yonhap News Agency data shows that as of December 2023, approximately 44% of South Korean households live in the capital Seoul and Gyeonggi Province.

In recent years, late marriage and non-marriage have increased in Korean society, and the number of unmarried singles and elderly people living alone has increased, leading to problems such as a serious aging of the population and low fertility rates. A report on the population outlook released by the Statistics Korea in December 2023 shows that South Korea’s population will reach a peak of approximately 51.84 million in 2020. After that, the number of deaths will exceed the number of births every year. According to this trend, South Korea’s total population will decline in 50 years. to approximately 36.2 million people, nearly half of whom are aged 65 and above. By then, South Korea will have entered a super-aging society.

Data shows that nearly 50% of liver protection tablets are bought by those born in the 1990s

In recent years, "liver-protecting tablets" have become more and more popular. Many people take a few tablets before and after meals and before going to bed in order to achieve the effect of protecting the liver. Recently, the "2023 Health Word of the Year" data released by a certain platform showed that in 2023, the post-90s generation bought 45% of the liver-protecting tablets. Among them, 15% of the orders for liver protection tablets were placed in the early morning.

Is it really reliable to nourish the liver by taking liver-protecting tablets? On January 3, Wuhan experts said that taking medicine to protect the liver is not scientific because the medicine needs to be metabolized by the liver and will also increase the burden on the liver.

Wang Lili, an infectious disease doctor at the Yangtze River Shipping General Hospital, said that liver-protecting tablets are a popular health product on the market in recent years, especially among young people who often stay up late, have irregular meals, and frequently drink and socialize. Although they realize that such Living an unhealthy life, but unable to change this living condition, I bought liver-protecting tablets online on the recommendation of a network anchor, hoping to protect my liver.

Can taking liver-protecting tablets nourish the liver? Wang Lili said that although Liver Protecting Tablets are a liver health product, they also need to be metabolized by the liver after entering the human body. Therefore, for people with poor liver health, if they take Liver Protecting Tablets in large amounts for a long time, the contents contained in them will On the contrary, the ingredients may increase the metabolic burden on the liver, thereby aggravating the degree of liver damage.

Chip manufacturers' stock prices fell, the first wave of price increases in the new year is "on the way"

After experiencing the strongest rebound since the 2009 financial crisis, at the beginning of 2024, the stock prices of major U.S. semiconductor manufacturers fell for two consecutive days, and Wall Street's major semiconductor benchmark indexes also fell by about 7% from the historical high set on December 27, 2023. %.

As of the close of U.S. stocks on January 3, in the first two trading days of this year, the stock prices of chip manufacturers such as Nvidia, Qualcomm, AMD, Broadcom, and Arm continued their decline, with declines of more than 4%. Arm, the largest decliner, fell by nearly 10% in two days. , these semiconductor giants also dragged down the U.S. stock PHLX Semiconductor Index. In 2023, driven by optimism about artificial intelligence and expectations of Federal Reserve rate cuts, the PHLX Semiconductor Index soared 65% for its strongest performance since 2009, far outpacing the performance of the S&P 500 and Nasdaq, which rose 24% and 43% respectively.

The rise of chip stocks in 2023 has also benefited from the fact that memory chip manufacturers have basically bottomed out in production cuts due to sluggish global demand in previous years. According to a research report by Goldman Sachs, Samsung has cut its DRAM and NAND Flash chip production by 20% to 25% in 2023, and its production reduction plan will be implemented until the second quarter of 2024 until the chip business completely returns to breakeven.

Morgan Stanley estimates that if chip factories reduce production and customer inventory consumption at the normal rate, the industry is expected to reach an inflection point from the end of 2023 to the beginning of 2024.