7月31日，国务院常务会议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。目前， 工行、农行、中行、建行、交行和邮储银陆续表态，将积极响应相关政策，助力消费升级与服务业焕 新。 国有大行第一时间响应。 工商银行发布公告称，将坚持市场化、法治化原则，优化办理流程、简化手续，推动政策尽快实施。 农业银行表示，将积极落实会议部署，按照有关部门要求，进一步简化申请流程，提升办理效率，加强 资金合规使用，确保贴息政策精准高效直达广大消费者和服务业经营主体，及时将政策精准传导至千企 万户。 建设银行表示，将按照上级单位有关要求，切实做好个人消费贷款和服务业经营主体贷款贴息政策的传 导落实，让消费市场参与方更加便捷地获得国家政策红利，激发消费潜力，提升市场活力，以高质量金 融服务助力扩大消费需求，提升消费能力，更好发挥消费在畅通国民经济循环、拉动经济增长中的积极 作用。 值得一提的是，虽然新政具体执行细则还未披露，但据公开信息显示，在此之前至少已经有三地实施了 消费贷贴息政策，贴息幅度多在1.5%左右。 中国银行则表示，将全力抓好贴息政策的组织实施，推动政策尽快落地，以高效、精准、优质的金融服 务，推动政策红利 ...

智通财经APP获悉，周一美股三大指数集体上涨，恒生指数ADR下跌，按比例计算，收报24674.48点，较香港收市跌58.97点或0.24%。 | .HSIADR 恒生指数ADR | | | --- | --- | | 24674.48 ↓ -58.97 -0.24% | | | ■ 可 可 | | | 最高价 24746.92 开盘价 24746.92 | 成交量 3562.57万 | | 最低价 24397.60 昨收价 24733.45 | 平均价 24572.26 | | 52周最高 25638.77 上 涨 -- | 平 智 -- | | 52周最低 16954.46下 跌 -- | 振 幅 1.41% | | 800000 恒牛指数 24733.45 +225.64 +0.92% | | 大型蓝筹股涨跌不一，汇丰控股收报97.005港元，较香港收市涨0.63%；腾讯控股收报551.117港元，较香港收市涨0.20%。 | 序号 | 名称 | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADRICH | ADR换算价(HKD) | 较港股升跌 较 | | --- | --- | --- | -- ...

Core Insights - The domestic credit card market is undergoing significant changes, including reduced benefits, discontinuation of certain products, and closure of credit card centers, indicating a transformation in the industry [1][3][4] Group 1: Adjustments in Credit Card Benefits - Several banks, including China Merchants Bank and Everbright Bank, have announced adjustments to high-end credit card benefits, focusing on increasing usage thresholds, modifying point accumulation rules, and reducing high-cost benefits [2][4] - Specific changes include increased requirements for redeeming points for miles and adjustments to annual fee waivers, such as requiring a minimum spending threshold alongside points [2][3] Group 2: Discontinuation of Credit Card Products - Many banks, including Agricultural Bank of China and Postal Savings Bank, have stopped issuing certain credit card products, particularly co-branded cards in sectors like aviation and e-commerce, citing business strategy adjustments and service quality improvements [3][4] Group 3: Shift in Industry Focus - The credit card industry is transitioning from an expansion phase to a focus on optimizing existing customer value, emphasizing the need for banks to streamline inefficient products and concentrate on core customer segments [4][5] - Factors driving this shift include intensified competition in the credit consumption market, pressure on credit assets, and the need to adapt to consumer preferences for high-frequency, essential spending scenarios [4][5][6] Group 4: Future Development Directions - Future strategies will involve deepening customer engagement through tailored benefits for different customer segments, enhancing self-operated service coverage, and integrating credit cards with wealth management and private banking services [5][6] - The industry is moving towards a model that prioritizes quality over quantity, focusing on value contribution and improving comprehensive financial service quality for high-end customers [6]

Core Viewpoint - The announcement of Wang Yijun's appointment as the chairman of Jiaoyin Investment highlights the leadership transition in the company, which is crucial for its future strategic direction and operational focus [2][3]. Company Background - Jiaoyin Investment was established on December 29, 2017, and is one of the first pilot institutions for bank debt-to-equity swaps designated by the State Council, primarily engaged in debt-to-equity swaps and related support services [6]. - As of the end of 2024, Jiaoyin Investment reported total assets of 71.534 billion yuan and net assets of 26.042 billion yuan [6]. Leadership Transition - Wang Yijun has a long tenure of 31 years at the Bank of Communications, having held various significant positions across multiple departments, including investment banking and strategic investment [3]. - He succeeds Chen Wei, who served as chairman for over two years before retiring due to age [3]. Financial Performance - In 2024, Jiaoyin Investment achieved a net profit of 2.429 billion yuan, representing a year-on-year decline of 22.27%, primarily due to the lack of significant investment project exits compared to the previous year [6]. - The company's capital adequacy ratios, including the core tier one capital adequacy ratio, were all reported at 14.41%, exceeding regulatory requirements [6]. Strategic Focus for 2025 - Jiaoyin Investment's 2025 operational strategy emphasizes six key areas: serving the real economy, targeting key industries and regions, enhancing collaboration within the group, leveraging technology in financial services, integrating equity investment with traditional business, and strengthening team capabilities [7]. - The company aims to expand its equity investment pilot work to 18 pilot cities and their provinces by 2025, supporting the development of strategic emerging industries [4].

8月1日，在中国人民银行和上海市委金融办大力支持指导下，交通银行香港分行成功以公募方式发行全 球首单上海自贸离岸债，票面利率1.85%，期限3年，获得穆迪A2和惠誉A的债项评级，由中央国债登 记结算有限责任公司托管。交行充分发挥市场独创的"五位一体"自贸离岸债综合金融服务体系优势，通 过上海、香港、澳门和卢森堡等多地高效联动协同，成功吸引来自香港、中东、中美洲等地区的境外优 质投资者踊跃认购。 作为唯一总部在沪的国有大型商业银行，交行一直是上海自贸离岸债市场的见证者、参与者和推动者。 近年来，交行通过构建市场最广泛的自贸离岸债投资者体系，并深化"五位一体"综合金融服务方案内 涵，成功推动多个行业领先：全球首个自贸离岸债境外投资者（交行新加坡分行），首个境外人民币清 算行投资者（交行首尔分行），全球首家金融机构自贸离岸债发行人（交银金租境外子公司）等。这些 创新实践为当下发展"两头在外"上海自贸离岸债业务积累了丰富经验，推动相关业务实现跨越式发展。 此次香港分行公募发行全球首单上海自贸离岸债，标志着交行在探索构建与上海国际金融中心相匹配的 离岸金融体系方面迈出重要一步，助力人民币国际化进程。该业务的成功落地，使 ...

据悉，交行上海自贸试验区新片区分行作为中央结算公司指定的上海自贸离岸债清算行，为该单债券提 供发行资金归集和付息兑付清算服务。上海自贸离岸债将于澳门金融资产交易所（MOX）和卢森堡证 券交易所（LuxSE）同时挂牌上市。（闻辉） 【环球网财经综合报道】8月4日消息，据交通银行消息，日前交通银行香港分行以公募方式发行全球首 单上海自贸离岸债，票面利率1.85%，期限3年，获得穆迪A2和惠誉A的债项评级，由中央国债登记结 算有限责任公司托管。 ...

Group 1 - The main focus of the article is on the top 20 stocks that have seen significant inflows of capital as of August 4, with notable amounts listed for each company [1] - The leading stock with the highest inflow is Construction Industry, attracting 513 million yuan, followed closely by Great Wall Military Industry with 509 million yuan [1] - Other notable stocks include Shanhe Intelligent with 440 million yuan and Aerospace Electronics with 425 million yuan, indicating strong investor interest in these sectors [1] Group 2 - The total inflow amounts for the top 20 stocks range from 201 million yuan to 513 million yuan, showcasing a diverse range of investment opportunities [1] - Companies such as China Bank and Zhejiang University Network New both received inflows of 201 million yuan, highlighting their attractiveness to investors [1] - The data reflects a trend of capital moving into specific sectors, which may indicate investor confidence in those industries [1]

2025年8月4日，交通银行（601328）发布公告称，为进一步优化客户服务，提升跨境金融服务体验，交 通银行近期将推出万事达双币借记卡。万事达双币借记卡部分服务项目收费标准与标准借记卡不同，现 公布如下： 1.借记卡工本费：新发卡20元/卡；补换卡20元/卡。 2.境外ATM查询交易：0.54美元/笔。 3.境外ATM取现交易手续费：取现金额的1.8%+1美元/笔。 4.调阅签购单手续费：电子件25元/笔。 其他未列明的服务项目收费标准均按照标准借记卡相关规定执行，具体服务项目收费标准详见交通银行 官网"服务收费名录"专栏公示的《交通银行服务收费名录（2025年4月版）》第三部分"个金业务（一） 银行卡业务（借记卡）"相关内容。 上述服务项目调整之后，具体情况如下： | | | | | 适 | | --- | --- | --- | --- | --- | | 编码 | 服务项目 | 服务内容 | 收费标准 | 用 备注 | | | | | | 客 | | | | | | 户 | | | | | 1、标准卡：标准IC | | | | | | 卡、磁条卡新开卡5 | | | | | | | 借 | | | | ...

责任编辑：张文 8月4日，交通银行宣布调整部分借记卡收费标准，将于近期推出万事达双币借记卡。万事达双币借记卡 部分服务项目收费标准与标准借记卡不同，现公布如下：借记卡工本费：新发卡20元/卡；补换卡20元/ 卡。境外ATM查询交易：0.54美元/笔。境外ATM取现交易手续费：取现金额的1.8%+1美元/笔。调阅签 购单手续费：电子件25元/笔。调整后的服务项目收费标准拟于2025年11月4日起执行。 ...

格隆汇8月4日｜交通银行今日宣布调整部分借记卡收费标准，将于近期推出万事达双币借记卡。万事达 双币借记卡部分服务项目收费标准与标准借记卡不同，现公布如下：借记卡工本费：新发卡20元/卡； 补换卡20元/卡。境外ATM查询交易：0.54美元/笔。境外ATM取现交易手续费：取现金额的1.8%+1美元/ 笔。调阅签购单手续费：电子件25元/笔。调整后的服务项目收费标准拟于2025年11月4日起执行。 ...