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With the rapid development of artificial intelligence technology, some borrowers may use it to enhance their credit data in order to obtain loan approvals. Instead of approving borrowers through extensive data collection from multiple sources, lenders might consider self-imposing limits to focus on improving the quality of the data collected while also increasing loan profits.

On “Liberation Day”, US President Donald Trump announced a sweeping plan to impose reciprocal tariffs—taxes that exceeded market expectations and triggered immediate shocks across financial markets. According to Yale’s Budget Lab, these tariffs could raise short-term inflation in the US by 2.3%, reduce household spending by an average of US$3,800, and lower the country’s 2025 GDP growth rate by 0.9%. Dr Y.F. Luk, Honorary Associate Professor at HKU Business School, noted that for the Trump administration, tariffs served both as a policy tool and a political signal. While they could generate government revenue, they were unlikely to replace major taxes. Tariffs might drive limited reindustrialisation, but reviving America’s manufacturing golden age remained uncertain. He also commented that Industrial development takes time, and it’s unclear how long the US economy can withstand sustained high tariffs.

As millions worldwide are addicted to video games, governments and organizations are actively taking measures to curb this trend. Our research suggests that dynamic pricing can help solve the problem of gaming addiction.

關稅戰升級：全球經濟新格局下的挑戰與機遇 自美國總統特朗普（Donald Trump）二次執政以來，新一輪貿易戰已全面展開。從2025年3月起，美國不僅對全球鋼鐵和鋁産品徵收25%的進口關稅，還對中國、加拿大、墨西哥等主要貿易夥伴實施特定關稅，進一步加劇全球貿易緊張局勢。面對美國日益強硬的貿易保護主義政策，歐盟、加拿大和中國等透過訴訟、談判和反制措施試圖緩解關稅壓力。然而，美國並未止步於此。3月26日，特朗普宣佈從4月2日起對所有進口到美國的汽車加徵25%的關稅，並計劃在一個月後對美國組裝汽車中的非美國零部件徵收同等關稅。與此同時，針對全球產品的 「對等關稅」（reciprocal tariffs）亦同步實施，進一步擴大貿易戰的規模。