OpenAI 估值飙至 1500 亿美元 | 存量房贷利率降低 0.5 个百分点

OpenAI secures $6.5 billion in oversubscribed funding, valuation soars to $150 billion

OpenAI 最新 65 亿融资获超额认购，估值飙至 1500 亿美元

OpenAI has secured $6.5 billion in oversubscribed funding, with its valuation rising to $150 billion.OpenAI 在最新一轮融资中获得了 65 亿美元的超额认购，估值达 1500 亿美元。

This round of funding was led by Thrive Capital, with existing investor Sequoia Capital opting not to participate.此次融资由 Thrive Capital 领投，红杉资本未参与。

OpenAI, which began as a nonprofit project, has raised over $10 billion through commercialization, with Microsoft as its main investor.OpenAI 从非营利项目起步，已通过商业化筹集逾 100 亿美元，微软是其主要投资方。

Despite having more than 200 million users and an annual revenue of about $3.6 billion, OpenAI continues to invest heavily in new technologies.尽管拥有超 2 亿用户和年收入约 36 亿美元，OpenAI 仍在持续投入技术创新。

The company faces pressure from governance structure changes and the loss of senior researchers, but its potential in the AI field remains immense.面对治理结构变革和研究员流失的压力，公司在AI领域的未来发展潜力依然巨大。

12306 introduces "seat swap" feature

12306 推出“车内换座”功能

Recently, 12306 has introduced a "seat swap" feature, allowing passengers to change seats during the same train journey without disembarking when booking tickets in segments.近日，12306 新增了“车内换座”功能，方便乘客在分段购票时不用下车即可换座。

This feature is mainly aimed at passengers who could not secure direct tickets, enhancing their ticketing experience.该功能主要为未能买到直达车票的乘客提供便利，提升购票体验。

Customer service confirmed that this feature has been launched, offering more options for travelers.客服确认该功能已经上线，并为用户提供更多出行选择。

This move is another measure by 12306 to improve the user experience.此举是12306提升用户体验的又一措施。

For frequent train travelers, this feature is especially useful.对于频繁乘坐列车的乘客来说，这一功能尤为实用。

Mortgage interest rates cut by 0.5 percentage points

存量房贷利率降低 0.5 个百分点

On September 24, the State Council announced a reduction in existing mortgage interest rates by about 0.5 percentage points, along with the unification of the minimum down payment ratio.9月24日，国务院宣布将存量房贷利率降低约 0.5 个百分点，统一最低首付比例。

According to Zhongyuan Real Estate’s chief analyst, based on the current average mortgage rate of about 3.92%, monthly payments could be reduced by 280 yuan, saving a total of 100,000 yuan in interest.中原地产分析师表示，按现有存量房贷利率约 3.92% 计算，月供可减少 280 元，总共节省利息约 10 万元。

The People’s Bank of China has not yet issued the official document, and the specific adjustment methods are yet to be clarified.中国人民银行总行尚未发布正式文件，具体调整方式待明确。

Banks have also reminded the public that technical preparations are required, so immediate processing of the adjustments is not yet possible.银行方面则提醒民众，技术准备需要时间，暂时无法立刻处理调整。

Overall, this move will bring long-term benefits to mortgage borrowers.整体来看，此举将为房贷借款人带来长期利好。

Sam Altman on the dawn of the intelligent era

山姆·奥特曼畅想智能时代

OpenAI CEO Sam Altman believes the arrival of the intelligent era will have profound impacts, enabling humanity to achieve remarkable breakthroughs with the help of AI.OpenAI CEO 山姆·奥特曼表示，智能时代的到来将带来深远影响，人类将在 AI 助力下实现惊人突破。

He pointed out that deep learning algorithms have proven effective, and superintelligence may emerge within the next few thousand days.他指出，深度学习算法已证明有效，未来几十年将出现超级智能。

Altman noted that AI will drive social prosperity, helping solve major challenges like climate change and space exploration.奥特曼提到，AI 将推动社会繁荣，帮助人们解决气候、探索太空等重大挑战。

Although the development of AI comes with risks and challenges, he believes humans will collaborate with AI to achieve a better quality of life.尽管 AI 发展伴随风险与挑战，他认为人类将通过与 AI 合作获得更好的生活。

Altman also called for reducing the cost of computing power, allowing more people to benefit from AI technology.奥特曼还呼吁降低算力成本，让更多人能够受益于 AI 技术。