On the 10th, the Federal Reserve released liquidity again, this time cutting interest rates by 25 basis points directly.

To be honest, this rate cut has a significant impact on us. Let's talk about our friends in business—both opportunities and troubles are now on the table.

The cost of borrowing globally has decreased, which is definitely good news for companies that need financing. The US dollar has softened, so if your company settles imports in RMB, you could save a lot of money in the short term. But on the other hand, export companies might face challenges—their competitiveness quoted in USD could be affected.

The most concerned for ordinary people is still their wallets and consumption.

Those planning to study abroad or travel overseas might see their RMB relatively appreciate, making their budgets more flexible and luxury goods cheaper. However, financial management might not be so rosy—US bond yields will fall, and dollar-linked financial products will follow suit.

There's another thing to note: rate cuts generally push gold prices upward. But now, international gold prices are already hovering near historical highs, so chasing the rally at this time requires careful risk assessment. After all, no one wants to be caught holding the bag at the top.

In summary, the chain reaction from this rate cut is still unfolding. Whether it's investment or consumption, strategies need to be adjusted according to individual circumstances.