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Group 1 - The article discusses a promotional event called "善融一元购," where users can purchase selected items for 1 yuan after using a no-threshold coupon [3][4]. - Each user can participate in the event only once within a three-month period, and expired coupons can be reissued [3]. - Coupons are exclusively available through the China Construction Bank app, and purchases must be made using the bank's payment method [3]. Group 2 - The event features various products, including spicy beef noodles, organic eggs, and honey, all available for 1 yuan during the promotion [5][7][9]. - The promotional items are highlighted for their quality and unique characteristics, such as eco-friendly farming practices and traditional production methods [6][8][10]. - The event is structured into two daily sessions for coupon distribution, encouraging users to participate at specific times [3].

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].

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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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