新年伊始 龙卡分期福利继续 小米产品以旧换新商品和正价商品均享受 龙卡信用卡的 双双双重重重福福福利利利 购买 指定商品 使用 建行信用卡分期支付 至至至至至至至至高高高高高高高高22222 222244444 4444期期期期期期期期分分分分分分分分期期期期期期期期购购购购购购购购 分期满减优惠 至至至至至至至至高高高高高高高高立立立立立立立立减减减减减减减减22222 222211111 111166666 6666元元元元元元元元 快来小米商城、小米之家 分期至高满减216元 挑选你的心仪产品吧 活动时间 01 2026年1月1日至2026年3月31日 活动时间 01 2026年1月1日起至2026年12月31日 活动内容 02 活动期间，持卡人在小米商城、小米之家购买指定商品并在支付时选择使用 龙卡信用卡 （商务卡、专项分期卡、外币单标卡、美国运通人民币信用卡除外）进行分期支付， 可享至 高24期0分期利息 （0分期利息时，近似折算年化利率（单利）为0%） 。 活动内容 02 活动期间，持卡人在小米商城、小米之家购买指定商品（含以旧换新类指定商品）并在 支付时选择 卡号62开头的龙卡信用卡银联单标卡 ...

Core Viewpoint - The introduction of interest on digital renminbi by the People's Bank of China marks a significant development in the digital currency landscape, enhancing its appeal and functionality for users [2][9]. Group 1: What is Digital Renminbi? - Digital renminbi is a legal digital currency issued by the People's Bank of China, operating under a dual-layer system where the central bank issues it to operational institutions, which then distribute it to the public, eliminating speculation opportunities [4]. Group 2: How to Obtain and Use Digital Renminbi? - Users can access digital renminbi by selecting a designated operational institution through the digital renminbi app or directly via the China Construction Bank mobile banking app, where they can open and use a digital renminbi wallet [6][7]. Group 3: Interest on Digital Renminbi - Starting from January 1, 2026, China Construction Bank will pay interest on the balance of digital renminbi wallets at the bank's current deposit rate, with interest calculated quarterly based on the balance as of the last interest payment date [9]. - Interest payment dates are set for March 20, June 20, September 20, and December 20 each year, and users can check their interest amounts in the digital renminbi app or the bank's mobile app after these dates [9][10].

Core Viewpoint - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes through a reservation exchange system, with specific details on issuance and exchange procedures outlined [1][2][4]. Group 1: Issuance Details - The 2026 New Year commemorative coin has a face value of 10 yuan, with a total issuance of 100 million pieces, while the commemorative banknote has a face value of 20 yuan, also with a total issuance of 100 million pieces [1]. - The China Construction Bank (CCB) will handle the reservation exchange in 11 regions, including major cities and provinces such as Beijing, Inner Mongolia, and Zhejiang [1]. Group 2: Reservation Arrangement - The reservation period for the 2026 commemorative coin is from January 13, 2026, 22:00 to January 14, 2026, 24:00, while the banknote reservation period is from January 13, 2026, 22:30 to January 14, 2026, 24:00 [2]. - Each customer can reserve only once for each item, with a limit of 20 coins or 20 banknotes per person [2]. Group 3: Verification and Exchange Period - The verification period will take place from January 17 to January 19, 2026, during which the People's Bank of China will verify all reservation records [3]. - The exchange period for successful reservations is from January 20 to January 26, 2026, where customers must present their valid second-generation resident ID for exchange [4]. Group 4: Reservation Channels - Customers can reserve through various online channels, including the CCB international website, mobile portal, personal online banking, and WeChat service accounts [5]. - All online channels will open for reservations before the official start of the reservation period [5]. Group 5: Additional Information - The CCB supports cash, debit cards, and savings books for the exchange, with some branches also supporting digital RMB [8]. - A prepayment feature is available for customers who successfully reserve, allowing them to complete the payment through the CCB mobile banking app [8].

Core Viewpoint - The digital renminbi has transitioned from the "digital cash era" to the "digital deposit currency era," with the digital renminbi App upgraded to version 2.0, enhancing user experience and introducing new features [1]. Group 1: Interest on Wallet Balance - Starting from January 1, 2026, China Construction Bank will pay interest on the balance of the real-name digital renminbi wallet at the bank's current deposit rate, with interest calculation rules consistent with current deposits [1]. Group 2: Wallet Interface Updates - The wallet interface has been redesigned, incorporating traditional floral patterns as main visual elements, with ten different flower designs representing ten operating institutions, including the lotus for China Construction Bank [6][8]. - The background features traditional decorative patterns such as phoenix and sheep horn motifs, enhancing the cultural aesthetic of the interface [9]. - A dynamic color-changing effect is embedded in the floral patterns, visible when the phone is shaken, showcasing a unified yet distinctive design across different operating institutions [10]. Group 3: Personalized Skin Functionality - The 2.0 version introduces a wallet skin setting feature, offering four thematic series: seasons, famous paintings, national style, and daily life, with a total of 16 skins available for user selection [11]. Group 4: Digital Renminbi App Overview - The digital renminbi App serves as the primary platform for personal users to manage digital renminbi assets, aggregating wallet access from various operating institutions for unified management [15]. - The app's core payment module adheres to unified standards while allowing differentiated services from various institutions, reflecting the dual-layer operational structure of the digital renminbi system [15].

Core Viewpoint - The article emphasizes the potential of the Hong Kong stock market, particularly in the technology sector, as a significant option for global asset allocation by 2025, highlighting its strong performance and attractiveness to investors [1]. Group 1: Investment Opportunities in Hong Kong Technology - The Hong Kong stock market is expected to attract more overseas funds, especially in the technology sector, due to the Federal Reserve's decision to resume interest rate cuts [3]. - In 2025, southbound funds are projected to have a cumulative net purchase of HKD 1,393.55 billion in Hong Kong stocks, marking a historical annual high, with technology being a key focus area [3]. - The Hang Seng Technology Index, which includes major tech companies like Alibaba, Tencent, and Xiaomi, is seen as a representative index for the Hong Kong tech market, indicating significant growth potential amid the AI wave [6][7]. Group 2: Performance and Valuation - The Hang Seng Technology Index has shown a cumulative increase of 30.85% since the beginning of 2023, outperforming the Hang Seng Index, which rose by 27.57% during the same period [15]. - The current Price-to-Earnings (P/E) ratio of the Hang Seng Technology Index is 22.74, which is considered reasonable compared to its historical average and other major technology indices like the Nasdaq 100 [19][21]. - The article provides a comparison of the Hang Seng Technology Index's P/E ratio with other indices, indicating its investment value [19][21]. Group 3: Sector Distribution and Growth Potential - The Hang Seng Technology Index covers a balanced distribution across various sectors, including software services, semiconductor, and media and entertainment, indicating a diverse investment landscape [9][12]. - The technology sector is characterized by high growth attributes and performance elasticity, making it an attractive investment option in the current market environment [14].

Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China, detailing how individuals can check their credit status with China Construction Bank (CCB) to determine eligibility for the policy and the steps required to benefit from it [3]. Group 1: Checking Credit Records - Individuals should first check their credit records with CCB to see if there are any overdue payments that would affect their eligibility for the central bank's policy [3]. - The credit status can be checked through various methods, including the CCB app, online banking, and smart teller machines [5][6]. - The credit report will display repayment information over the past five years, indicating overdue amounts and repayment status [7]. Group 2: Understanding Overdue Information - If overdue payments are found, individuals are advised to repay them promptly to qualify for the policy [11]. - Specific scenarios are outlined: if overdue debts are fully repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [11]. - For debts repaid between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [15]. Group 3: Repaying Debts - To benefit from the policy, individuals must ensure they repay all overdue amounts and current payments by the due date [21]. - It is essential to verify the repayment status after making payments to avoid missing the opportunity for credit repair [19][20]. - For loan repayments, all historical overdue amounts and current dues must be cleared before the agreed repayment date [21]. Group 4: Monitoring Credit Record Changes - After repaying overdue debts, individuals should check their credit reports at the end of the following month to observe any changes [22]. - The implementation of the credit repair policy will result in overdue statuses being updated to normal, and overdue amounts below 10,000 yuan will be adjusted to zero [26].

Core Viewpoint - China Construction Bank (CCB) promotes its mobile banking services, emphasizing convenience for transactions, financial management, and loan applications, while offering incentives for new users [2][4]. Group 1: Mobile Banking Features - CCB's mobile banking allows for easy fund transfers, financial management, and loan applications, enhancing user convenience [2][3]. - The bank offers a quick loan service called "建行快贷," which is characterized by simple operations and fast fund disbursement [4][6]. Group 2: User Incentives - New users who sign up for CCB's mobile banking can receive up to 100 yuan in WeChat discounts as an incentive [2][6]. - The mobile banking service includes features like balance inquiries and credit card applications, further encouraging user engagement [6][8]. Group 3: Registration Process - Users can register for mobile banking through the CCB WeChat mini-program, making the process accessible and straightforward [5][7]. - The registration requires personal information verification, ensuring security and compliance with privacy policies [9].

Core Viewpoint - The article promotes various promotional activities and rewards associated with using a specific bank's payment services, particularly through WeChat and Douyin, highlighting opportunities for users to earn cash rewards and discounts. Group 1: WeChat Payment Promotions - Users can participate in a lottery to win up to 1998 yuan in WeChat discounts by meeting monthly spending thresholds with a specific bank card from October 1, 2025, to December 31, 2025 [3][5]. - Each month, users who meet different spending levels will receive a chance to enter the lottery, with the draw taking place on the 9th of the following month [5]. Group 2: Transfer and Discount Offers - From December 1, 2025, to December 31, 2025, users making a single WeChat transfer of at least 3888 yuan will have the opportunity to win WeChat discounts of up to 60 yuan [8]. - The article mentions a promotion where users can purchase a set of four transportation tickets for just 0.01 yuan, with a maximum discount of 1 yuan, available from July 2, 2025, to December 31, 2025 [9]. Group 3: Douyin Payment Rewards - During the promotional period, users participating in the "Douyin Payment Rewards" event through the bank's mobile banking app can receive a 5 yuan discount, with various rewards available including cash red envelopes and payment discount coupons [13].

Core Viewpoint - The article emphasizes the importance of personal pension savings and introduces a commercial pension product that offers tax benefits and aims to provide stable returns while ensuring capital safety [1][2]. Group 1: Product Features - The product, "Guoshou Anxin Leying," is a three-year rolling guaranteed commercial pension product that combines multiple asset classes for stable returns and capital protection [3][4]. - It features a low volatility historical return profile, ensuring that the principal is secure and highly recognized in the market [3][5]. - The product allows for a quick withdrawal process, with funds available T+3 days after the transaction date, addressing urgent cash needs [10][15]. Group 2: Investment Strategy - The investment strategy includes a balanced allocation to equity assets to capture upward market trends while maintaining a safety net through high-quality non-standard assets [7][8]. - The product employs a smooth reserve mechanism to reduce net value fluctuations, enhancing stability for investors [9]. Group 3: Fees and Charges - The product has an account management fee of 0.2% per year and a product management fee of 0.8% per year, with specific exit fees applicable depending on the timing of withdrawals [12]. - For clients under 60 years old, exit fees apply outside the guaranteed period, while clients over 60 can withdraw without fees during the guaranteed period [11][12]. Group 4: Availability - The product is currently available for trial sales in ten provinces, including Beijing, Shanghai, and Guangdong, among others [16].

Core Viewpoint - The article highlights various promotional activities and offers related to the China Construction Bank's loyalty points program, emphasizing the high redemption rates for points across different categories and services. Group 1: Points Redemption Offers - Points can be redeemed at a rate of 700 points for 1 yuan, applicable for services like phone bills, fuel, food delivery, and vouchers [1] - During the promotional period from December 11, 2025, to January 9, 2026, points can be redeemed for up to 90% of the total cost in various categories [1][2] Group 2: Specific Offers and Discounts - Users can enjoy discounts on popular platforms such as JD.com, Tmall, and various entertainment services, with points redeemable for up to 90% off [2] - Specific offers include low-cost vouchers for food and beverages, such as 20 yuan vouchers available for a small number of points [4] Group 3: Additional Services and Benefits - The program includes benefits for transportation services, allowing users to pay as little as 5 yuan for 50 yuan of ride costs, and discounts on movie tickets [4] - Various products from brands like Oppo and NetEase can be purchased with points, with some items requiring a significant number of points for redemption [5] Group 4: Credit Card Promotions - The article promotes the China Construction Bank credit cards, which offer points for every transaction made through WeChat and Alipay, enhancing the accumulation of loyalty points [9] - There are multiple credit card options available, each providing unique benefits and rewards for users [9]