美股詳情

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LendingClub

19.43

-0.1000-0.51%

盤後：19.40-0.0300-0.15%19:30 EST

成交量：164.04萬

成交額：3,191.52萬

市值：22.40億

市盈率：21.79

高：19.84

開：19.47

低：19.19

收：19.53

52周最高：19.88

52周最低：7.90

股本：1.15億

流通股本：1.05億

量比：1.32

換手率：1.56%

股息：- -

股息率：- -

每股收益(TTM):0.8916

每股收益(LYR):0.4594

淨資產收益率：7.40%

總資產收益率：0.78%

市淨率：1.53

市盈率(LYR):42.29

資料載入中...

總覽公司新聞資訊公告

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BUZZ-聯儲局主席發出九月可能降息的信號，銀行卡公司和金融科技公司股價上漲

Lendingclub Corporation8月11日成交額為1884.68萬美元

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00:14","pubTimestamp":1762791277,"startTime":"0","endTime":"0","summary":".N美东时间10:30，道琼斯工业平均指数.DJI上涨0.35%，报47,151.64点。标普500指数.SPX上涨1.20%，报6,809.46点；纳斯达克综合指数.IXIC上涨2.02%，报23,466.27点。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251110:nL4S3WM1E0:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LUV","HHH","IE00BZ1G4Q59.USD","LU2430703178.SGD","CNH","BK4022","AAL","SOC","STRK","MNKD","UAL","HL","LU3187612489.SGD","SG9999003800.SGD","DAL","COGT","ANTX","MOH","RGLD","LU2112291526.USD","LC","CNC",".IXIC","CDE","VG","CART","GFS","RNGR","ELV","LU1084165304.USD","TSN","LU1023059063.AUD","MGTX","GH","IE00B1BXHZ80.USD","NEM","PSQH","RIOT","BK4554","THS"],"gpt_icon":1},{"id":"2582995808","title":"BUZZ-花旗銀行將 LendingClub 的評級上調至 \"跑贏大盤 \"後，該公司股價上漲","url":"https://stock-news.laohu8.com/highlight/detail?id=2582995808","media":"路透中文","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2582995808?lang=zh_tw&edition=fundamental","pubTime":"2025-11-10 23:28","pubTimestamp":1762788537,"startTime":"0","endTime":"0","summary":"BUZZ-花旗银行将 LendingClub 的评级上调至 \"跑赢大盘 \"后，该公司股价上涨11月10日 - ** 消费贷款公司LendingClubLC.N股价上涨4.6%至18.99美元** Citizens将LC的评级从\"市场表现 \"上调至 \"市场表现优于大盘\"；设定23美元的目标价，较上一交易日收盘价上涨26.7%。对于因为使用自动化翻译功能而造成的任何损害或损失，路透不承担任何责任。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251110:nL4T3WM1BB:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK4588","BK4585","BK4166","LC"],"gpt_icon":0},{"id":"2581075066","title":"美國研究綜述-Blackline、Carmax、Expedia","url":"https://stock-news.laohu8.com/highlight/detail?id=2581075066","media":"路透中文","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2581075066?lang=zh_tw&edition=fundamental","pubTime":"2025-11-07 14:57","pubTimestamp":1762498669,"startTime":"0","endTime":"0","summary":"美国研究综述-Blackline、Carmax、Expedia路透11月7日 - 华尔街证券分析师周五调整了对几家美国上市公司的评级和目标价，其中包括 Blackline、Carmax 和 Expedia。要闻 * Blackline Inc BL.O：贝尔德下调其评级至中性 * Carmax Inc KMX.N：加拿大皇家银行将其评级从 \"跑赢大盘 \"下调至 \"行业表现\"。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251107:nL4S3WJ0GU:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["FROG","HUM","APD","CCOI","MTSI","IE00B19Z3B42.SGD","AKAM","EXR","BL","EVH","KMT","BDX","KMX","LU0985320562.USD","BK4116","EVCM","BK4130","FA","FRGE","ICUI","TXG","LU0566484027.USD","LC","XYZ","LH","LU0266013472.USD","GMED","EVTC","BK4101","DDOG","BHF","EXPE","FRSH","BILL","EFXT","CELH","STZ","DSGN","NTLA","LU2552382132.HKD","DNA","LU2211815571.USD","GEF","HAE","AQST","FIVN"],"gpt_icon":1},{"id":"1128284797","title":"LendingClub - 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2030年增量達47億美元","url":"https://stock-news.laohu8.com/highlight/detail?id=2579514488","media":"讯石光通讯网","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2579514488?lang=zh_tw&edition=fundamental","pubTime":"2025-10-31 08:26","pubTimestamp":1761870376,"startTime":"0","endTime":"0","summary":"我们估算2024年全年InfiniBand交换机ASIC销售额相较2023年增长2.9倍。虽然2024年以太网交换机ASIC销售额增长相对温和，但我们预期其将在2030年前主导AI Scale-out市场。在2025年4月的版本中，我们首次加入对AI Scale-up交换机ASIC的预测，以英伟达NVLink交换机作为基准线，因为这是2025年唯一大规模出货的Scale-up交换机。本次更新新增了对非NVLink Scale-up交换机ASIC的预测，该细分领域短期内仍分散在专有协议与新兴标准之中。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251031083015974b303a&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, 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第三季度業績超預期，摩根大通評級上調，股價暴漲 20","url":"https://stock-news.laohu8.com/highlight/detail?id=2577658918","media":"路透中文","labels":["dataReport"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2577658918?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 23:46","pubTimestamp":1761234362,"startTime":"0","endTime":"0","summary":"BUZZ-LendingClub 第三季度业绩超预期，摩根大通评级上调，股价暴涨 2010月23日 - ** 周四，消费贷款公司 LendingClub LC.N 股价上涨 8.4%，至 17.91 美元，此前该公司第三季度扭亏为盈，摩根大通转为看涨。** LC飙升20.3%至19.88美元，创2022年2月以来新高。** 摩根大通将 LC 的评级从 \"中性 \"上调至 \"增持\"，并将 PT 值上调 5 美元至 22 美元，为华尔街最高，称 LC \"接近拐点\"。对于因为使用自动化翻译功能而造成的任何损害或损失，路透不承担任何责任。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251023:nL4S3W41LN:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"2","news_top_title":null,"news_tag":"dataReport","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK4504","LU1201861249.SGD","IE00BVYPNV92.GBP","LU0731783048.USD","BK4166","IE00BGHQF631.EUR","LU1280957306.USD","LU1670628061.USD","LU1291159041.SGD","BK4585","IE00BGHQF748.EUR","LC","IE00B3PB1722.GBP","LU0130102774.USD","LU1064131342.USD","BK4588","IE00B3QW5Z07.USD","LU0731783394.SGD","BK4535","LU2430703251.USD","LU2592432038.USD","LU0980610538.SGD","LU1670627923.USD","BLK","LU1366333091.USD","LU1988902786.USD","IE00B42XCP33.USD","LU0320765489.SGD","BK4534","LU0208291251.USD","IE00BDGV0183.EUR","LU2505996509.AUD","IE00BVYPNW00.USD","LU1074936037.SGD","LU1481011671.HKD","LU0640476718.USD","LU2505996681.GBP","LU1481011911.USD","IE00B64PRP62.GBP","LU2264538146.SGD","BK4533","BK4567","LU1509826696.USD","LU2430703178.SGD","LU1599440770.SGD","LU0772969993.USD","LU2430703095.HKD","BK4135","BK4581","LU0157215616.USD"],"gpt_icon":0},{"id":"1111869492","title":"異動解讀 | LendingClub股價盤中大漲16.28%，摩根大通上調評級至增持","url":"https://stock-news.laohu8.com/highlight/detail?id=1111869492","media":"异动解读","labels":["movement"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/1111869492?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 21:38","pubTimestamp":1761226699,"startTime":"0","endTime":"0","summary":"周四盘中，在线贷款平台LendingClub股价大涨16.28%，引发市场广泛关注。这一显著涨幅主要受益于华尔街知名投行摩根大通对该公司评级的上调。根据最新研究报告，摩根大通分析师将LendingClub的投资评级从\"中性\"上调至\"增持\"。同时，该行还将LendingClub的目标价从17美元上调至22美元，显示出对公司未来发展前景的看好。作为一家领先的在线借贷平台，LendingClub近年来在金融科技领域不断创新。分析师的积极评级变动反映了华尔街对LendingClub业务模式和增长潜力的信心增强。","market":"hk","thumbnail":"","type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":"","theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"movement","news_rank":0,"length":0,"strategy_id":0,"source":"ai_movement_cn","symbols":["LC"],"gpt_icon":0},{"id":"1161274503","title":"盤前丨特斯拉跌超3%，LC、諾基亞等績後走高，Beyond Meat大跌","url":"https://stock-news.laohu8.com/highlight/detail?id=1161274503","media":"老虎资讯综合","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/1161274503?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 20:23","pubTimestamp":1761222194,"startTime":"0","endTime":"0","summary":"美股三大指数期货在盘前时段小幅走低。","market":"us","thumbnail":"https://static.tigerbbs.com/ed4ee39e6b0f45214393093d70ba81a8","type":0,"news_type":0,"thumbnails":["https://static.tigerbbs.com/ed4ee39e6b0f45214393093d70ba81a8"],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":"43cd705270deab48666150d7922d47f8","theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"","is_publish_highlight":true,"source_rank":0,"column":"","sentiment":"-1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LC","QBTS","TSLA"],"gpt_icon":1},{"id":"1120000949","title":"異動解讀 | LendingClub股價盤前大漲12.29%，摩根大通上調評級至增持","url":"https://stock-news.laohu8.com/highlight/detail?id=1120000949","media":"异动解读","labels":["movement"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/1120000949?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 16:20","pubTimestamp":1761207626,"startTime":"0","endTime":"0","summary":"在线贷款平台LendingClub今日盘前股价大涨12.29%，引发市场关注。这一显著涨幅主要受益于华尔街知名投行摩根大通对该公司评级的上调。根据最新研究报告，摩根大通分析师将LendingClub的投资评级从\"中性\"上调至\"增持\"。这些积极的分析师评级变动反映了华尔街对LendingClub业务模式和增长潜力的信心增强。作为一家领先的在线借贷平台，LendingClub近年来在金融科技领域不断创新，市场普遍认为其有望从不断扩大的数字化金融服务需求中受益。","market":"us","thumbnail":"","type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":"","theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"movement","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LC"],"gpt_icon":0},{"id":"2577373537","title":"美國研究綜述-艾利丹尼森、Expedia Group、Hologic","url":"https://stock-news.laohu8.com/highlight/detail?id=2577373537","media":"路透中文","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2577373537?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 15:30","pubTimestamp":1761204659,"startTime":"0","endTime":"0","summary":"美国研究综述-艾利丹尼森、Expedia Group、Hologic路透10月23日 - 华尔街证券分析师周四调整了对几家美国上市公司的评级和目标价，其中包括艾利丹尼森、Expedia Group 和 Hologic。要闻  * 艾利丹尼森公司AVY.N：摩根大通将其评级从中性上调至增持 * Expedia Group Inc EXPE.O：KeyBanc给予其行业增持评级 * Hologic Inc HOLX.O：Stephens将其评级从 \"增持 \"下调至 \"等权重\"。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251023:nL4S3W40IO:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["RL","ALKS","AVY","MOS","DECK","CME","NRIX","ARCT","FI","LU2249611893.SGD","KREF","APH","GSHD","LU0957808578.USD","DKNG","OFG","LII","T","CBU","BHB","LU2125909759.SGD","ELV","BIOA","BKNG","LRCX","LU0070217475.USD","LU2750360641.GBP","MBCN","CCI","HOLX","JAZZ","NTRS","GEV","LC","GPC","LVS","GPOR","MRNA","CPRI","EXPE","LU0472753341.HKD","HLT","BSX","LU1228905037.USD","IDYA","FRPT","FULT","LU0545562505.USD","LU2764263039.SGD","LU1923622291.USD"],"gpt_icon":0},{"id":"2577373531","title":"美國研究綜述-艾利丹尼森、Expedia Group、Hologic","url":"https://stock-news.laohu8.com/highlight/detail?id=2577373531","media":"路透中文","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2577373531?lang=zh_tw&edition=fundamental","pubTime":"2025-10-23 15:30","pubTimestamp":1761204659,"startTime":"0","endTime":"0","summary":"美国研究综述-艾利丹尼森、Expedia Group、Hologic路透10月23日 - 华尔街证券分析师周四调整了对几家美国上市公司的评级和目标价，其中包括艾利丹尼森、Expedia Group 和 Hologic。要闻  * 艾利丹尼森公司AVY.N：摩根大通将其评级从中性上调至增持 * Expedia Group Inc EXPE.O：KeyBanc给予其行业增持评级 * Hologic Inc HOLX.O：Stephens将其评级从 \"增持 \"下调至 \"等权重\"。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251023:nL4T3W40IO:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["APH","HOLX","LU1244550221.USD","FULT","GEV","IE00BFXG0V08.USD","EXPE","RL","JAZZ","IE0004086264.USD","AVY","LVS","T","ELV","LU1228905540.USD","GPC","MRNA","DECK","BKNG","KREF","ARCT","LU0061475181.USD","BK4173","IDYA","LRCX","LII","CME","CBU","BIOA","HLT","MBCN","BHB","DKNG","OFG","MOS","NTRS","GPOR","NRIX","LU2362540622.SGD","BSX","IE00BVYPNW00.USD","ALKS","CPRI","CCI","FI","LU1720051017.SGD","LC","LU0154245673.USD","FRPT","GSHD"],"gpt_icon":0},{"id":"2572535869","title":"Lendingclub Corporation盤中異動 大幅跳水5.40%報15.24美元","url":"https://stock-news.laohu8.com/highlight/detail?id=2572535869","media":"市场透视","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2572535869?lang=zh_tw&edition=fundamental","pubTime":"2025-09-30 22:33","pubTimestamp":1759242825,"startTime":"0","endTime":"0","summary":"北京时间2025年09月30日22时33分，Lendingclub Corporation股票出现波动，股价急速下跌5.40%。截至发稿，该股报15.24美元/股，成交量32.0448万股，换手率0.28%，振幅4.90%。Lendingclub Corporation股票所在的银行行业中，整体跌幅为0.35%。其相关个股中，First Northwest Bancorp、卡弗储蓄、Bayfirst Financial Corp.涨幅较大，Better Home & Finance Holding Company、欣厄姆银行、Grupo Supervielle S.A.较为活跃，换手率分别为3.35%、2.84%、1.09%，振幅较大的相关个股有Better Home & Finance Holding C/Wts 22/08/2028、Better Home & Finance Holding Company、Coastalsouth Bancshares, Inc.，振幅分别为15.40%、12.98%、7.74%。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250930223346954e6a78&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, 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Inc.盤中異動 快速拉昇6.33%報3.05美元","url":"https://stock-news.laohu8.com/highlight/detail?id=2562770244","media":"市场透视","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2562770244?lang=zh_tw&edition=fundamental","pubTime":"2025-08-28 03:47","pubTimestamp":1756324051,"startTime":"0","endTime":"0","summary":"北京时间2025年08月28日03时47分，Calcimedica, Inc.股票出现波动，股价急速拉升6.33%。Calcimedica, Inc.股票所在的生物技术行业中，整体涨幅为0.08%。其相关个股中，Novabay Pharmaceuticals, Inc.、Lexaria Bioscience Corp C/Wts 14/01/2026 、Azitra Inc涨幅较大，Azitra Inc、Novabay Pharmaceuticals, Inc.、Tnf Pharmaceuticals, Inc.较为活跃，换手率分别为3071.38%、2371.39%、2096.98%，振幅较大的相关个股有Azitra Inc、Rocket Pharmaceuticals Inc C/Wts 02/09/2026 、Briacell Therapeutics Corp C/Wts 26/02/2026，振幅分别为56.73%、50.65%、50.00%。Calcimedica, Inc.公司简介：CalciMedica Inc 是一家临床阶段的生物制药公司，专注于开发治疗由炎症和免疫过程以及直接细胞损伤驱动的严重疾病的疗法。","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250828034731a4a335cc&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, 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18:55","pubTimestamp":1756032900,"startTime":"0","endTime":"0","summary":"转自：大湾区之声近日，深汕景观园林工程公司工作人员曾先生在该区赤石街道一棵榕树的树干腐殖质层中发现“稀有物种”——两株高约20厘米、具二叉分枝呈独特“Y”字形结构的植物。经市生态环境局深汕管理局邀请的中山大学植物学博士刘忠成现场鉴定，确认该植物属濒危维管植物——松叶蕨，这也是该物种在深汕的首次记录。专家推测，此次发现的松叶蕨可能随榕树移栽引入，周边区域同一批次移栽的约三十株榕树后续可能出现孢子萌芽。","market":"sh","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"zh","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://finance.sina.com.cn/wm/2025-08-24/doc-infnatrz4714100.shtml","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"sina","symbols":["BK4166","BK4588","BK4585","LC"],"gpt_icon":0},{"id":"2561740840","title":"BUZZ-聯儲局主席發出九月可能降息的信號，銀行卡公司和金融科技公司股價上漲","url":"https://stock-news.laohu8.com/highlight/detail?id=2561740840","media":"路透中文","labels":["economic"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2561740840?lang=zh_tw&edition=fundamental","pubTime":"2025-08-22 22:30","pubTimestamp":1755873023,"startTime":"0","endTime":"0","summary":"BUZZ-美联储主席发出九月可能降息的信号，银行卡公司和金融科技公司股价上涨8月22日 - ** 美联储主席杰罗姆-鲍威尔指出未来一个月可能降息，但没有做出承诺，此后银行卡公司和支付公司股价上涨。** 基准利率下降有助于银行卡公司，因为较低的利息会刺激贷款需求，并促进银行卡消费以及通过支付公司和金融科技公司进行的消费 ** 美联储去年降息，但在 2025 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