OpenAI：美国符合条件的机构现可在ChatGPT上构建、测试并推出“商业智能体”（Business Agent）以回答问题。

The New York Fed Q3 Household Debt and Credit report: loans 30+ days delinquent rose to 5.0% from 4.7% in Q2. Total household debt increased 1.8% QoQ to $19.1 trillion. Mortgage balances delinquent 90+ days rose to 1.13%, the highest since Q1 2018. Home-equity line balances increased by $23 billion, the largest quarterly gain since 2005. New auto-loan delinquencies rose; student-loan delinquency growth slowed; credit-card delinquencies improved. The New York Fed said overall credit quality remains sound despite higher mortgage delinquencies.

China's October trade surplus in US dollars was US$105.28 bln, versus US$125.8 bln expected and US$133.53 bln previously.