Domestic - The National Health Commission has approved a draft national standard for the food safety of prepared dishes, which will soon be open for public consultation, marking a significant shift towards regulation in the prepared dish industry [3] - Jiangsu province has added three universities to its list of institutions with recommendation exemption qualifications, bringing the total to 28 [4] - Jiangsu's Human Resources and Social Security Department announced an increase in work injury insurance benefits starting January 1, 2025, affecting approximately 200,000 workers [4] Global - The Ministry of Industry and Information Technology and seven other departments have issued a plan aiming for 32.3 million vehicle sales in 2025, with a target of 15.5 million for new energy vehicles, representing a 20% year-on-year growth [6] - The Zhangjiagang Port to Qianhai Port direct shipping route has been launched, connecting Jiangsu with key logistics nodes in South America, expected to handle about 500,000 tons of cargo annually [6] - Fitch Ratings downgraded France's sovereign credit rating from AA- to A+ due to concerns over the lack of a credible fiscal consolidation plan [6] - The 54th Pacific Islands Forum concluded with leaders reaching consensus on key issues such as climate change and regional security [6] - Apple announced repair costs for the iPhone 17 series, with the standard model's screen repair estimated at 2,698 yuan [6] - Zhuosheng Microelectronics received a warning from the Jiangsu Securities Regulatory Bureau for failing to timely disclose significant shareholding changes [6] - SPD Bank's credit card center reported unauthorized transactions on certain cards but successfully mitigated the risks and protected customer interests [6]

Core Viewpoint - Recent reports indicate a surge in unauthorized transactions involving Shanghai Pudong Development Bank (SPDB) Mastercard credit cards, with many users claiming their cards were fraudulently charged from overseas locations [2][8][11]. Group 1: Incident Overview - Multiple users have reported unauthorized transactions on their SPDB Mastercard credit cards, with the fraud occurring at overseas locations [2][11]. - Affected users have shared experiences on social media, with one individual reporting a total loss of approximately 20,000 yuan, including multiple transactions exceeding 6,500 yuan [11]. Group 2: Bank Response - SPDB's credit card center issued a statement acknowledging the unauthorized transactions and confirmed that they promptly initiated an emergency response to block the risks [8]. - The bank emphasized its commitment to protecting customer rights and ensuring that clients do not bear undue losses [8]. Group 3: Industry Response - Mastercard and its network also released a statement regarding the unauthorized transactions, indicating that they are collaborating with issuing banks to investigate the source of the risks and protect cardholders' funds [11]. - Analysts suggest that the concentrated incidents of overseas fraud may be linked to organized hacking activities [12]. Group 4: Prevention Measures - Industry experts recommend that consumers who do not have overseas spending needs should consider temporarily disabling international payment functions on their credit cards to mitigate potential losses [12]. - Additional preventive measures include setting transaction limits and reducing the threshold for contactless payments to lower the risk of unauthorized charges [12].

Core Viewpoint - The recent incident of fraudulent transactions involving the SPDB Mastercard credit card has raised significant concerns among cardholders, with many reporting their experiences on social media. The incident is suspected to be linked to organized hacking activities, prompting SPDB and Mastercard to conduct investigations and implement measures to protect customers' rights and financial interests [1]. Group 1: Incident Overview - A surge in reports of fraudulent transactions on SPDB Mastercard credit cards has been observed, indicating a potential organized hacking attack [1]. - Affected cardholders have had their accounts frozen or reported lost cards, with some bills being cleared by the bank [1]. Group 2: Response from SPDB and Mastercard - SPDB's credit card center has issued a statement ensuring that customers will not bear the losses from the fraudulent transactions and will work to protect their legal rights [1]. - Mastercard has initiated an emergency investigation in collaboration with SPDB, forming a special team to trace the source of the risk and prevent further potential losses for cardholders [1].

Core Viewpoint - The recent incident of fraudulent transactions involving the SPDB Mastercard Red Sand Credit Card has raised significant concerns among cardholders, with many sharing their experiences on social media [1] Group 1: Incident Overview - A growing number of cardholders have reported unauthorized transactions, prompting SPDB and Mastercard to conduct investigations [1] - Industry experts suggest that the concentrated fraud incidents may be linked to organized hacking activities [1] Group 2: Financial Responsibility - Some cardholders have had their bills cleared, and affected credit cards have been frozen or reported lost [1] - Multiple cardholders have indicated that the bank has assured them they will not bear the losses from the fraudulent transactions [1] Group 3: Institutional Response - SPDB's credit card center has issued a statement committing to protect customers from undue losses and to uphold their legal rights [1] - Mastercard has initiated an emergency investigation in collaboration with SPDB, forming a special team to trace the source of the risk and prevent potential threats, while also ensuring the financial protection of affected cardholders [1]

Core Points - The Shanghai Pudong Development Bank's credit card center has detected unauthorized transactions on some of its Mastercard Infinite World cards and has initiated an emergency response to block the risks [1] - The credit card center emphasizes its commitment to customer safety and has taken proactive measures to address customer concerns, ensuring that customers do not bear any undue losses [4][5] Summary by Sections - **Unauthorized Transactions** - The credit card center identified unauthorized transactions on certain Mastercard Infinite World cards and acted quickly to mitigate the risks [1] - **Customer Commitment** - The credit card center maintains a customer-centric approach, prioritizing customer safety and rights, and has assured customers that they will not incur losses due to this incident [4][5]

Core Viewpoint - Shanghai Pudong Development Bank Co., Ltd. Credit Card Center reported unauthorized transactions on certain Mastercard cards, indicating a potential security issue that was promptly addressed [1]. Group 1 - The Credit Card Center detected unauthorized transactions on some Mastercard World cards [1]. - An emergency response was initiated in collaboration with Mastercard to address the situation [1]. - The bank successfully identified and blocked the risks in a timely manner [1].

Core Viewpoint - The recent policy changes in Shenzhen's real estate market have eliminated the interest rate differentiation between first and second homes, leading to a reduction in mortgage costs for second homes, which is expected to stimulate market activity and improve housing demand [2][4][7]. Group 1: Policy Changes - As of September 6, 2023, banks in Shenzhen will no longer differentiate between first and second homes in their mortgage interest rate pricing [2][4]. - The new policy results in a reduction of 40 basis points in the interest rate for second home loans compared to previous rates [4][6]. - For a loan of 1 million yuan over 30 years, the total repayment cost will decrease by nearly 80,000 yuan, with monthly payments reduced by approximately 220 yuan [4][6]. Group 2: Impact on Borrowers - Borrowers with existing second home loans can apply for adjustments to their mortgage rates if their current rates exceed the average new loan rates by more than 30 basis points [6][8]. - The adjustment mechanism is designed to allow borrowers to renegotiate their loan terms based on market conditions and individual credit situations [6][8]. - The policy aims to alleviate the financial burden on homeowners looking to upgrade, particularly those facing challenges in selling their existing properties [4][8]. Group 3: Market Dynamics - The reduction in mortgage rates is seen as a strategy for banks to attract and retain customers amid declining housing demand and increased competition [8]. - The overall decline in household deposits and mortgage activity indicates a pressing need for banks to adjust their lending strategies to maintain profitability [8][9]. - The policy changes are expected to enhance liquidity in the real estate market, particularly for second-hand homes, by stabilizing prices and facilitating transactions [4][8].

Group 1 - The 2025 China International Service Trade Fair (CIFTIS) focuses on financial services with the theme "Digital Intelligence Drives Open Win-Win," highlighting the integration of artificial intelligence (AI) into core financial scenarios [1] - Major banks showcased advanced technologies, including ICBC's trillion-level financial model and Agricultural Bank's virtual reality services, aiming to enhance customer experience and shift financial services from passive to proactive [2][3] - The application of AI in finance is seen as a significant opportunity, with industry leaders emphasizing its role in improving efficiency, reducing operational costs, and enhancing sustainable development within the banking sector [3] Group 2 - The collaboration between Beijing Rural Commercial Bank and Beijing Data Group aims to explore application scenarios and innovate data products, promoting the deep integration of data elements with financial services [5] - AI technologies are being applied across various core business scenarios in finance, including risk control, wealth management, and intelligent trading, indicating a shift towards a more efficient and inclusive financial ecosystem [2][3]

Core Viewpoint - Recently, Shanghai Pudong Development Bank (SPDB) Credit Card Center reported unauthorized transactions on some Mastercard cards, indicating a proactive response to protect customer interests and prevent financial losses [1][4]. Group 1: Company Overview - SPDB, established in January 1993 and headquartered in Shanghai, was the first nationwide joint-stock commercial bank to be listed on the Shanghai Stock Exchange after the Securities Law was enacted in November 1999 [4]. - As of June 30, 2025, SPDB's total assets amounted to 96,457.91 billion yuan, with a revenue of 905.59 billion yuan and a net profit attributable to shareholders of 297.37 billion yuan for the first half of the year [4]. Group 2: Incident Details - The SPDB Credit Card Center detected unauthorized transactions and immediately initiated an emergency response with Mastercard to block the risks [1]. - Reports from various social media platforms indicated that multiple users of SPDB Mastercard experienced unauthorized charges, prompting concerns and police reports [1]. Group 3: Preventive Measures - Customers are advised to temporarily disable overseas payment functions if there is no need for international transactions to avoid potential losses [5]. - Banks offer various security locks in their apps, such as overseas security locks and night security locks, which can be activated to prevent unauthorized access [7]. - Users can set transaction limits and adjust the threshold for password-free transactions to reduce the risk of unauthorized charges [8]. - It is recommended to set up multiple channels for transaction alerts, such as SMS and WeChat notifications, to ensure timely awareness of account activity [8]. - In case of unauthorized transactions, customers should immediately report the loss of their cards through the bank's mobile app or customer service [9].

Group 1 - The core issue involves unauthorized transactions detected on certain Shanghai Pudong Development Bank (SPDB) Mastercard World Cards, prompting an emergency response from the bank's credit card center [1] - The credit card center has taken proactive measures to address customer concerns and ensure that customers do not bear any undue losses, emphasizing its commitment to customer rights [3]