本文转载自每日经济新闻 值班编辑 | 江江 视觉 | 顾芗 财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》，明确2025年9月1 日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用卡业务）中实际 用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息的部分，可按规定享受 贴息政策。 全文如下： 关于印发《个人消费贷款财政贴息政策实施方案》的通知 财金〔2025〕80 号 各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，中国人民银行上海总 部，各省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，有关金融机构： （三）贷款经办机构。一是6家国有大型商业银行，包括中国工商银行股份有限公司、中国农业银行股 份有限公司、中国银行股份有限公司、中国建设银行股份有限公司、交通银行股份有限公司、中国邮政 为贯彻落实党中央、国务院关于大力提振消费、全方位扩大国内需求的决策部署，我们研究制定了《个 人消费贷款财政贴息政策实施方案》，现印发给你们，请遵照执行。 财政部 中国人民银行 金融监管总局 2025年8月4日 个人消费贷 ...

Core Viewpoint - Recent reports indicate that credit card holders are facing temporary suspensions due to abnormal transaction scenarios, particularly "same-name merchant transactions" and "high-frequency transactions at a single merchant" [1][3]. Group 1: Same-name Merchant Transactions - Transactions at POS terminals with merchant names containing the cardholder's name trigger immediate alerts from banks, leading to temporary suspensions due to suspected identity association [3]. - The bank's risk control system flags these transactions as potential "closed-loop fund flow" suspicions, requiring cardholders to provide proof of payment purpose and settle any outstanding debts to lift restrictions [3]. Group 2: High-frequency Transactions at a Single Merchant - Data from the payment industry shows a 37% year-on-year increase in credit card risk control cases due to "concentrated transactions at a single merchant" over the past six months [5]. - Several banks, including China Construction Bank, have implemented measures such as reducing credit limits and freezing cards for high-value, frequent transactions at the same merchant [5]. Group 3: Risk Control Measures by Banks - Minsheng Bank has implemented transaction permission controls to precisely intercept and restrict credit card transactions at specific merchants [7]. - Citic Bank sends warning messages to users when frequent transactions at the same merchant trigger abnormal monitoring [7]. Group 4: Compliance and Transaction Patterns - Credit cards are primarily intended for daily consumption; thus, high-frequency transactions at the same terminal, especially large round-number transactions, may resemble "cash-out transaction characteristics" [8]. - Transactions that do not align with the merchant's actual business scale or daily consumption patterns are closely monitored by banks' risk control systems [8]. Group 5: Recommendations for Cardholders - Experts suggest cardholders diversify their transaction habits by using 2-3 different POS terminals and merchant payment codes to cover various industries, avoiding the risk of transaction scenario solidification [9]. - Cardholders should increase the proportion of genuine consumption across different platforms and ensure a transaction structure of "small frequent + large dispersed" to pass risk control checks more easily [11]. - It is advised to avoid frequent transactions at the same terminal within short time frames and ensure large transactions match the merchant's business type [11]. Group 6: Building a Diverse Transaction Ecosystem - Cardholders should align their transaction behaviors with real-life spending patterns by utilizing different merchant codes, consumption scenarios, and payment channels to create transaction data that reflects "normal consumption logic" [12]. - Combining traditional POS machines with merchant payment codes can generate varied merchant codes, breaking the single-entity transaction pattern [13]. - Incorporating daily high-frequency spending scenarios, such as dining and shopping, along with covering utility payments and educational expenses, can enhance transaction diversity [13].

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.83 | -0.43% | 79.04万 | 10.98亿 | | 000001 | 平安银行 | 12.26 | -0.57% | 111.98万 | 13.77 亿 | | 601916 | 浙商银行 | 3.37 | -0.59% | 186.68万 | 6.31亿 | | 600015 | 华夏银行 | 7.98 | -0.62% | - 33.84万 | 2.71亿 | | 601166 | 兴业银行 | 22.80 | -0.83% | 61.34万 | 14.08亿 | | 600036 | 招商银行 | 43.54 | -1.05% | 87.67万 | 38.37亿 | | 601998 | 中信银行 | 8.25 | -1.20% | 44.80万 | 3.72亿 | | 601818 | 光大银行 | 4.04 | -1.46% | 220.78万 | 26668 | | 600016 | ...

兄弟姐妹们啊，今天的市场太牛了！中国资产全线暴涨，上证指数负责慢，创业板跟港股负责牛！ 券商股集体走强，国盛金控涨停。 | mt | 代码 | 名称 | | 涨幅% | 现价 | | --- | --- | --- | --- | --- | --- | | | 002939 | 长城证券 | R | 10.06 | 9.96 | | | 002670 | 国盛金控 | R | 86'6 | 19.51 | | | 801 222 | 东吴证券 | R | 7.38 | 10.33 | | | 601696 | 中银证券 | R | 6.32 | 16.31 | | | 002926 | 华西证券 | R | 3.91 | 10.37 | | | 601 456 | 国联民生 | R | 3.29 | 11.61 | | | 601688 | 华泰证券 | R | 3.18 | 21.12 | | | 601377 | 兴业证券 | R | 3.17 | 6.84 | | | 000783 | 长江证券 | R | 2.86 | 7.92 | | | 601162 | 天风证券 | R | 2.59 | 5. ...

Core Viewpoint - The article highlights the efforts of China CITIC Bank's Jinan branch in promoting financial fraud awareness among various community segments, emphasizing the importance of safeguarding personal finances against scams [1][10]. Group 1: Community Engagement - The bank's outreach includes visits to communities, schools, enterprises, rural areas, and households to educate the public on fraud prevention [1][10]. - In the Youpeng Garden community, the bank's team used real-life examples to explain common scams, particularly those targeting the elderly, such as health product fraud and investment schemes [2][5]. Group 2: School Initiatives - At Aidi Kindergarten, a warning session titled "Don't Become a Tool for Telecom Fraud" was conducted, focusing on prevalent scams like fake job offers and impersonation of teachers [4][6]. - The interactive approach helped instill fraud awareness in students and parents, encouraging them to verify unfamiliar financial requests [4][6]. Group 3: Corporate Collaboration - The bank distributed fraud prevention materials to staff at Hope Art Education, highlighting specific scams targeting businesses, such as urgent transfer requests from impersonated partners [5][6]. - This initiative not only enhanced the staff's fraud detection skills but also empowered them to spread awareness among students and parents [6]. Group 4: Rural Outreach - In rural areas, the bank tailored its messaging using local dialects and examples, addressing scams like "network loans" and overpriced health products [7][8]. - The relatable communication style resonated with villagers, reinforcing their understanding of fraud risks [8]. Group 5: Family-Focused Education - The bank conducted one-on-one visits to families, discussing common scams related to children's education and high-return investment promises [9][10]. - This personalized approach helped families recognize and avoid potential fraud schemes, fostering a culture of caution regarding financial decisions [9][10].

Core Insights - A senior customer at CITIC Bank was saved from a potential scam that could have resulted in a loss of 400,000 yuan in retirement funds due to the bank's timely intervention [1][2] Group 1: Incident Overview - The incident began when a senior customer requested to increase her bank transfer limit to pay for an automatic deduction from Douyin, raising suspicions among bank staff due to her vague explanations and anxious demeanor [2] - The customer had previously installed an illegal app called "Hui Xie Tong" under the guidance of a stranger, which allowed the scammer to view her screen and potentially access sensitive information [2][3] Group 2: Bank's Response - Upon identifying the situation as a typical telecom scam, bank staff acted quickly to close non-counter transaction channels on the customer's account, preventing further remote access by the scammer [3] - The bank assisted the customer in reporting the incident to the police and helped remove the risky software from her phone, effectively safeguarding her funds [3] Group 3: Customer Feedback and Future Measures - The customer expressed immense gratitude towards the bank staff for their professionalism and quick actions, stating that she felt secure keeping her money with CITIC Bank [4] - CITIC Bank's Jinan Tianqiao branch emphasized its commitment to enhancing employees' ability to identify risks and recognize unusual signals, aiming to protect customers from scams targeting vulnerable groups like the elderly [4]

Core Insights - The article highlights a successful fraud prevention case by China CITIC Bank's Jinan High-tech Branch, which intercepted a potential scam involving 200,000 yuan related to a romantic fraud scheme [1][2]. Group 1: Fraud Detection - A middle-aged customer attempted to withdraw 200,000 yuan without prior appointment, claiming it was for a romantic relationship, raising suspicions among bank staff [2]. - The unusual behavior of the customer, who was from Jiangxi but was in Jinan for dating, indicated a possible "pig-butchering" scam, where victims are lured into investing money under the guise of romantic interest [2]. Group 2: Response and Prevention - Bank staff engaged in a one-hour negotiation to calm the customer while simultaneously contacting the anti-fraud center and explaining the typical tactics used in romantic scams [3]. - After a thorough discussion, the customer recognized the scam and decided not to proceed with the withdrawal, expressing gratitude for the bank's intervention [3]. Group 3: Institutional Responsibility - China CITIC Bank's Jinan High-tech Branch plans to enhance its fraud interception capabilities and strengthen collaboration with law enforcement to protect customer funds [3]. - The bank emphasizes its commitment to safeguarding customer assets and contributing to a nationwide anti-fraud initiative [3].

两小时告捷：客户哽咽致谢 "钱回来了，9.9万港币已经到账！"不到两个小时，张女士收到了银行的入账短信，激动得语无伦次。她再次拨通卢经理的电话，声音哽咽地重复着："太感 谢你们了！我本来都不抱希望了，你们救了我！" 近日，一场与时间赛跑的跨境资金拦截战在中信银行济南龙奥支行上演，该行工作人员凭借高效协同，将一女子汇向境外诈骗账户的9.9万港币成功追回， 用实际行动诠释了"有温度的银行"的服务承诺。 惊魂一刻：产假经理接紧急求助 7月21日清晨，理财经理卢经理的电话骤然响起，电话那头传来张女士带着哭腔的颤抖声音："卢经理，我被骗了！昨天点击了一个陌生链接，把9.9万港币 汇给了境外的陌生账户，转完账手机就黑屏死机，刚刚一早收到了反诈中心的提醒！"张女士表示这笔钱对她至关重要，若无法追回，对家庭将是沉重打 击。 尚在产假中的卢经理闻言立刻联系同事张经理，并柔声安抚张女士的焦虑，引导其冷静回忆汇款细节。"客户的声音里全是懊悔，那一刻我想的就是一定要 拼尽全力帮她把钱追回来。"卢经理事后回忆道。 极速响应：多岗联动锁定拦截窗口 接到通报的张经理第一时间通过汇款业务登记簿追溯资金流向，发现该笔港币正处于"中间行转往最终 ...

为提升社区居民识诈防诈能力，近日，中信银行济南阳光新路支行在济南阳光100社区开展"全民反诈在 行动"宣传活动，将反诈知识送到群众身边。 活动现场，银行工作人员通过悬挂宣传横幅、分发折页、面对面互动等形式，与社区居民零距离交流， 并结合公安部刑侦局发布的"十大类案""八大利器""二十个关键词"等权威指引，用通俗易懂的语言拆解 典型案例。 "您看，这个案例就是骗子利用老人'理财增值'的心理，推荐虚假投资产品，最后卷钱跑路……"工作人 员向社区居民讲解了银行卡买卖、现金支取、虚假投资理财、购买黄金等真实诈骗案例，剖析诈骗分子 如何设局、诱骗受害者步入圈套，同时详细讲解识诈技巧："凡是说稳赚不赔的投资，一定要多打问 号；陌生人让转账、买黄金避险的，千万别信！" 针对当前电信网络诈骗中的"工具人"现象，银行人员还特别提醒居民："出租、出售银行卡可能被骗子 用来洗钱、诈骗，不仅违法，还会影响个人征信，甚至要承担法律责任。"引导大家理解配合金融机构 的风险防控措施，从源头降低涉诈风险。 "以前总觉得诈骗离自己很远，听了这些案例才发现，骗子的手段真不少！"社区居民王大爷仔细听讲， 连连点头，"银行同志讲得很明白，以后遇到陌 ...

Group 1 - The scope of interest subsidies for personal consumption loans includes single loans below 50,000 yuan and those above 50,000 yuan in key areas such as home automobiles, elderly care, education, cultural tourism, home decoration, electronics, and healthcare [1] - For single consumption amounts above 50,000 yuan, the interest subsidy is capped at the consumption amount of 50,000 yuan [1] Group 2 - The interest subsidy standard is set at an annual rate of 1%, calculated on the actual principal used for eligible personal consumption loans, with a maximum not exceeding 50% of the loan contract interest rate [3] - During the policy execution period, the total interest subsidy limit for each borrower at one lending institution is 3,000 yuan (corresponding to a cumulative consumption amount of 300,000 yuan), with a limit of 1,000 yuan for loans below 50,000 yuan [3] Group 3 - The lending institutions include six major state-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Postal Savings Bank [4] - Additionally, there are twelve national joint-stock commercial banks such as CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, and others [5] - Other personal consumption loan issuing institutions include Shenzhen Qianhai WeBank, Chongqing Ant Consumer Finance, and several others [6]