[PBOC: Outstanding Personal Housing Loans Reached RMB 37.01 Trillion at the End of Q4 2025, Down 1.8% Year-on-Year] According to statistics from the People's Bank of China, at the end of the fourth quarter of 2025, outstanding RMB real estate loans t

Under the EU-India agreement, tariffs on more than 90% of EU goods exports will be eliminated or reduced.

Domestic News: 1. The Ministry of Foreign Affairs reminds Chinese citizens to avoid traveling to Japan during the Spring Festival. 2. Guotou Silver LOF: Subscription (including regular fixed-amount investment) will be suspended from January 28th. 3. Guangzhou Futures Exchange warns of risks: Prices of some varieties have fluctuated significantly recently; compliance supervision and risk prevention of trading activities will be strengthened. 4. Hong Kong Financial Services and Treasury Bureau and Shanghai Gold Exchange sign cooperation agreement: aiming to exceed 2,000 tons in three years, making Hong Kong a globally trusted gold storage location. 5. The People's Bank of China holds the 2026 Macroprudential Work Conference: Proactively assessing potential systemic financial risks, innovating and enriching the policy toolbox, and maintaining the sound operation of the financial market and the overall stability of the financial system. International News: 1. OPEC+ representative: Production policy of halting increases may be maintained in March. 2. The EU and India will discuss the possibility of India's participation in the EU defense initiative. 3. Bank of Japan account data shows no clear indication of intervention in the foreign exchange market last Friday. 4. A US rare earth company signed a letter of intent with the US government to secure $1.6 billion in funding. 5. Canadian Prime Minister Carney is reportedly likely to visit India in early March, potentially signing a uranium supply agreement. 6. India's Trade Minister announced that India and the EU have completed negotiations on a highly anticipated trade agreement. 7. Precious metals surged, with spot gold reaching $5,100/oz and spot silver reaching $112/oz. 8. Polymarket's forecasting platform shows a 78% probability of a US government shutdown before the end of January, a significant increase from less than 10% last Friday. 9. The EU will completely ban imports of Russian liquefied natural gas in January 2027, and completely ban imports of Russian pipeline natural gas by the end of September of the same year.