Group 1 - The article promotes various promotional activities and discounts offered by the bank, emphasizing the potential savings for customers [2][3][12] - Specific promotional events include "Douyin Payment Red Packet" and "WeChat Transfer Benefits," which provide users with opportunities to receive cash rewards and discounts [4][5][8] - The bank offers a range of incentives for first-time users linking their accounts, including cash rewards and gift packages from popular platforms like Meituan and JD [9]

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Core Viewpoint - The article emphasizes the importance of understanding credit card usage and password management for overseas transactions, highlighting the need for chip cards and the various payment methods available abroad [1][3]. Group 1: Credit Card Usage Abroad - The main methods for overseas credit card payments are contactless (tap) and chip card insertion. It is recommended to apply for a chip card as many merchants in regions like Europe, Japan, and Australia do not accept magnetic stripe cards [1]. - When making online payments on foreign websites, users may encounter 3DS payment verification, requiring a dynamic password sent to the registered mobile number. It is crucial to ensure that the mobile number registered with the bank is correct and accessible while abroad [1][2]. Group 2: Password Management - The requirement for a password during overseas transactions depends on the merchant and acquiring institution's settings. Some merchants allow transactions without a password, while others may require a 4-digit or 6-digit password [3]. - If a password is required, users can input their domestic payment password (6 digits) or the first four digits for verification. Continuous incorrect password entries may lead to card locking, which will automatically unlock the next day [3][7]. - Users can reset or modify their credit card transaction password through the bank's mobile app or WeChat service [5][7]. Group 3: Additional Tips - Users are advised to keep their credit cards and passwords secure and to contact the bank's service hotline if they encounter issues while using their cards abroad [9].

Core Viewpoint - The article emphasizes the rapid growth and significance of the Sci-Tech Innovation Board (科创板) in China's economic transformation, highlighting its role as a breeding ground for new productive forces and a witness to the fast development of high-tech sectors in China [2][4]. Group 1: Growth of Sci-Tech Innovation Board - Since its inception, the number of listed companies on the Sci-Tech Innovation Board has increased more than sevenfold, reaching 585 companies, while the total market capitalization has grown over eightfold to approximately 8309.175 billion yuan as of March 11, 2025 [2]. - The board is seen as a crucial force in the development of new productive forces, aligning with China's economic transformation [4]. Group 2: Industry Distribution and Characteristics - The Sci-Tech Innovation Board includes a diverse range of industries, with a significant focus on "hard technology," covering 17 primary industries such as electronics, biomedicine, and computer technology [16][18]. - The distribution of companies is balanced, with 44.5% in electronics, 15.2% in biomedicine, and 9.7% in computing, indicating a strong presence in emerging sectors [18]. Group 3: Investment Products and Strategies - The article introduces various investment products targeting the Sci-Tech Innovation Board, including the comprehensive ETF and Smart Beta indices, which aim to capture overall investment opportunities and enhance alpha returns through quality and valuation metrics [10][22][26]. - The Sci-Tech 200 Index focuses on smaller-cap stocks, with 82% of its sample stocks having a market capitalization below 10 billion yuan, indicating growth potential in smaller companies [27][28]. Group 4: Performance Metrics - The performance of the selected indices since 2020 shows significant volatility, with the Smart Beta index achieving a return of 78.76% in 2020, followed by varying returns in subsequent years [25]. - The article highlights the importance of focusing on companies with strong innovation capabilities and consistent R&D investment to ensure stable performance [23].

以上内容为广告 ...

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（一）预约期：东北虎豹币预约期为2025年5月6日21时至2025年5月7日24时；京剧旦币预约 期为2025年5月6日21时30分至2025年5月7日24时；2025年贺岁币预约期为2025年5月6日22时至 2025年5月7日24时；2025年贺岁钞预约期为2025年5月6日22时30分至2025年5月7日24时。 尊敬的客户： 根据中国人民银行统一安排，将开展东北虎豹国家公园、中国京剧艺术（旦角）、2025年贺 岁普通纪念币及2025年贺岁纪念钞（ 以下分别简称"东北虎豹币""京剧旦币""2025年贺岁 币""2025年贺岁钞" ）二次预约兑换。二次预约兑换全部采取线上预约方式，建行承办11个地区 的二次预约兑换。现将有关事项公告如下： 一、承办地区 建行承办北京市、辽宁省、上海市、浙江省、福建省、湖南省、云南省、西藏自治区、陕西 省的 东北虎豹币、京剧旦币、2025年贺岁币、2025年贺岁钞 二次预约兑换，内蒙古自治区的 2025年贺岁币、2025年贺岁钞 二次预约兑换，以及河南省的 东北虎豹币、京剧旦币 二次预约兑 换。客户可登录上述建行省、自治区、直辖市 分行的互联网网站 ，了解二次预约兑换网点、 ...

Core Viewpoint - The article discusses promotional activities related to the use of digital RMB through China Construction Bank (CCB) in collaboration with Luckin Coffee and Hainan Airlines, offering discounts to users during specified periods. Group 1: Luckin Coffee Promotion - The promotional period for Luckin Coffee is from April 23, 2025, to June 30, 2025 [3] - Users with CCB digital RMB wallets can enjoy a discount of 3 yuan on purchases over 9 yuan, limited to one discount per day and a maximum of two discounts per user during the promotion [6] - The total number of discounts available is capped at 10,000 per day, with a total of 400,000 discounts throughout the promotion [6] Group 2: Hainan Airlines Promotion - The promotional period for Hainan Airlines is from April 21, 2025, to July 25, 2025 [14] - Customers using CCB digital RMB for ticket purchases on the Hainan Airlines app can receive random discounts ranging from 25 to 75 yuan on single ticket orders over 100 yuan, with a limit of four discounts per customer during the promotion [16] - The promotion applies to domestic cash single direct and round-trip tickets, with certain exclusions for specific products [18]

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