转自：新华财经 启动会后，该行辖内各网点迅速将网络安全宣传融入日常服务，在网点大厅，工作人员将四类常见诈骗的防范要点宣传 资料摆放在取号区、等候区等显眼位置；柜员与大堂经理在办理业务、引导客户时，结合客户群体特点主动讲解。对有 理财需求的客户，提醒警惕"高收益无风险"的虚假投资。对年轻客户，重点提示刷单返利的违法性与危害性。对老年客 户，则着重科普冒充公检法诈骗的典型话术，帮助不同群体精准识别规避风险。 为扩大宣传覆盖面，该行还将网络安全知识带出网点，走进社区、校园、商场，通过主题沙龙等场景进行网络安全知识 宣传。在社区活动中，工作人员结合居民生活场景，用通俗语言拆解虚假贷款"无抵押、先收费"等陷阱，手把手教老年 居民识别诈骗短信。在校园讲座里，针对学生群体易接触的刷单兼职，通过互动问答强调"低投入高回报"的不合理性， 引导学生树立正确兼职观。在商场咨询台，通过案例卡片快速讲解冒充公检法诈骗的"安全账户"骗局，提醒市民保护个 人信息。在客户沙龙中，更是结合金融业务场景，分析四类诈骗与金融交易的关联风险，提供从账户保护到资金安全的 全流程建议。 此次宣传周活动中，平安银行海口分行未局限于案例宣讲，而是将四类高频 ...

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Core Insights - The article emphasizes the importance of absolute returns in the current investment landscape, particularly for bank wealth management products, which are heavily influenced by low-risk preferences [1][2][3] - Ping An Wealth Management has established a strong focus on managing drawdowns and achieving stable returns, with a notable average annualized return of 3.46% over the past three years for its fixed income products [1][3] - The company is transitioning towards a more industrialized and platform-based investment management model to enhance efficiency and consistency in risk-return profiles across its product offerings [6][7][8] Group 1: Investment Strategy and Performance - Ping An Wealth Management has maintained a low proportion of negative returns, with only 0.65% of products breaking net asset value and 0.55% showing negative returns as of July [1] - The company has created a product structure that aligns with customer risk preferences, offering various products with different holding periods and risk profiles [4][10] - The "启航增强稳盈定开" series of fixed income products achieved an average annualized return of 3.41% since its inception, demonstrating resilience in a low-interest-rate environment [5] Group 2: Market Position and Future Growth - Ping An Bank is focusing on enhancing its wealth management capabilities to capture a larger share of the retail investment market, particularly through its wealth management product offerings [2][9] - The bank aims to increase the proportion of basic wealth management products to improve the quality of its assets under management (AUM) and adapt to changing consumer preferences [9][10] - The newly launched "安+心稳致远" product system aims to meet diverse investor needs by providing clear product positioning and a variety of investment strategies [10]

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction and enhancing card usage willingness [1][3][10]. Group 1: Changes in Credit Card Transactions - Multiple banks have upgraded their credit card foreign currency transactions to support RMB instead of USD, streamlining the cross-border payment process [1][3]. - China Merchants Bank announced that from October 28, 2025, certain Mastercard products will switch their cross-border transaction settlement currency from USD to RMB [3]. - Ping An Bank will allow customers to choose between RMB and USD for foreign currency transactions starting September 25 [4]. Group 2: Market Reactions and Implications - Market interpretations of these changes vary, with some viewing it as a marketing strategy under pressure in the credit card business, while others link it to the internationalization of the RMB [1][10]. - The credit card industry is under pressure, with a reported decline in the number of credit cards and transaction volumes across major banks [10]. Group 3: Competitive Landscape - The upgrade reflects competitive dynamics among card organizations, as Mastercard and Visa traditionally required two currency conversions, which is now reduced to one with the RMB switch [6][7]. - The shift may enhance Mastercard's market share in China, benefiting both the card organization and the partnering banks [6][10]. Group 4: Customer Experience and Fees - The changes are expected to provide a better customer experience, although the immediate impact on consumers may be minimal in terms of cost differences [11]. - The adjustment will also alter the fee structure for cash advances in foreign currencies, transitioning to a RMB settlement line [10].

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction costs and enhancing card usage willingness [1][2]. Group 1: Changes in Credit Card Transactions - China Merchants Bank has announced that from October 28, 2025, certain Mastercard credit card products will switch cross-border transaction settlements from USD to RMB [1][2]. - Ping An Bank will allow customers to choose between RMB and USD for foreign currency transactions starting September 25 [2]. - The adjustments are primarily in response to requirements from card organizations like Mastercard, rather than solely driven by market competition [1][3]. Group 2: Impact on the Credit Card Industry - The credit card industry is under pressure, with a reported decline in the number of credit cards and transaction volumes across multiple banks [7]. - In the first half of the year, major banks reported a year-on-year decrease in credit card transaction amounts, with China Merchants Bank down by 8.54% [7]. - The changes in currency settlement may not significantly impact consumers, as the adjustments primarily reflect cost fluctuations rather than substantial benefits [8][9]. Group 3: Competitive Landscape Among Card Organizations - Mastercard and American Express have localized their operations in China, obtaining necessary licenses, while UnionPay remains a dominant domestic player [3][4]. - The transition from USD to RMB for transactions may help Mastercard expand its market share in China, benefiting both the card organization and partner banks [4][5]. - UnionPay does not face the same currency exchange issues, as it directly converts local currencies to RMB, providing a competitive advantage in terms of exchange rates [5]. Group 4: Future Developments - Mastercard is also expanding its debit card offerings, with several banks launching or upgrading their Mastercard debit cards [6]. - The long-term effects of these currency adjustments on market share and consumer behavior remain uncertain, as banks may adopt changes at different paces [9].

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction costs and enhancing card usage willingness [1][2]. Group 1: Credit Card Currency Upgrade - China Merchants Bank announced that starting October 28, 2025, certain Mastercard credit card cross-border transactions will switch from USD to RMB, streamlining the currency conversion process [2]. - Ping An Bank will also support RMB for foreign currency transactions starting September 25, allowing customers to choose between RMB and USD for their transactions [2]. - This upgrade primarily affects Mastercard products, including standard, platinum, and world credit cards issued by China Merchants Bank [2][3]. Group 2: Market Dynamics and Competition - The currency upgrade is seen as a response to competitive pressures among card organizations, with Mastercard and American Express having established local operations in China [4][5]. - The upgrade may help expand Mastercard's issuance scale in China, benefiting the initial cooperating banks [6]. - The dual branding of cards in China, such as "Mastercard + UnionPay," is unique and stems from historical market conditions prior to China's WTO accession [6]. Group 3: Industry Challenges - The credit card industry is under pressure, with a reported decline in the total number of credit cards and transaction volumes across major banks [9]. - For instance, China Merchants Bank reported an 8.54% year-on-year decline in credit card transaction amounts [9]. - The currency switch is expected to have minimal immediate impact on consumers, primarily reflecting slight cost adjustments rather than significant benefits [10].

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction costs and enhancing card usage willingness [1][3]. Group 1: Currency Upgrade Details - China Merchants Bank announced that starting from October 28, 2025, certain Mastercard credit cards will switch cross-border transaction settlements from USD to RMB, streamlining the process [3]. - Ping An Bank will also support RMB settlements for foreign currency transactions starting September 25, allowing customers to choose between RMB and USD for their transactions [3][5]. - The upgrade primarily affects Mastercard products, including standard, platinum, and world credit cards issued by China Merchants Bank [3]. Group 2: Market Reactions and Implications - Market interpretations of the currency upgrade vary, with some viewing it as a marketing strategy under pressure in the credit card business, while others link it to the internationalization of the RMB [1]. - The upgrade is seen as a response to requirements from card organizations like Mastercard, rather than a purely market-driven initiative [1][5]. - The shift may enhance customer experience and potentially expand the issuance scale of Mastercard in mainland China [7][8]. Group 3: Industry Context and Challenges - The credit card industry is facing challenges, with a reported decline in the number of credit cards and transaction volumes across major banks [11]. - Data from the People's Bank of China indicates a decrease of 6 million credit cards in the second quarter of 2025, marking a continuous decline over 11 quarters [11]. - Major banks, including China Merchants Bank and CITIC Bank, reported year-on-year declines in credit card consumption, contributing to pressure on fee income from card services [11]. Group 4: Competitive Landscape - The competition among card organizations is highlighted, with Mastercard and American Express having established local operations in China, while UnionPay remains a dominant player [7]. - The currency upgrade may influence market share dynamics among card organizations, although the immediate impact on consumer experience is considered limited [12].

2025年9月17日，广东经济科教频道联合平安银行广州分行等多家单位走进华南理工大学附属实验学校，以"保障金融权益 助力 美好生活"为主题，开展"平安守护，美好童行"2025年广东省第九节成长课进校园活动。本次活动由广东省教育厅、广东省司法 厅、国家金融监督管理总局广东监管局、南方财经全媒体集团及广东正和银行业保险业消费者权益保护中心联合指导，广东经 济科教频道、平安银行广州分行主办，广州市教育局、市公安局天河分局协办，华南理工大学及华南理工大学附属实验学校提 供支持。 活动通过"理论+实践" "互动+体验"的创新形式，设置专家讲解、粤语版金融反诈音乐课、青少年金融普法训练营、沉浸式互动 游戏及知识阅读营地五大模块，由平安银行广州分行和华南理工大学金融宣讲团带领学生互动学习，旨在通过生动有趣的教育 方式，提升学生的金融财商、反诈防骗能力、合法维权能力，培养正确的消费观念，护航青少年安全快乐成长。 在活动致辞环节，华南理工大学附属实验学校校长范闽指出金融知识普及对青少年成长的重要性。平安银行广州分行副行长董 国华表示将深化校银合作机制，通过每月定制化课程实现教育常态化。现场特别向学校捐赠了平安银行联合中国法制出 ...

Group 1 - The banking sector experienced a decline of 1.85% on September 18, with China Merchants Bank leading the drop [1] - The Shanghai Composite Index closed at 3831.66, down 1.15%, while the Shenzhen Component Index closed at 13075.66, down 1.06% [1] - Major banks such as China Merchants Bank and Minsheng Bank saw significant declines in their stock prices, with China Merchants Bank down 2.23% to 40.83 yuan [1] Group 2 - The banking sector saw a net outflow of 1.655 billion yuan from institutional investors, while retail investors contributed a net inflow of 1.408 billion yuan [1] - The detailed fund flow data indicates that several banks, including CITIC Bank and Huaxia Bank, experienced substantial net outflows from institutional investors [1] - Retail investors showed interest in various banks, with significant net inflows observed in banks like Huaxia Bank and Ping An Bank [1]

Core Points - The event "Autumn Harvest Plan - Beautiful Financial Life Festival" was organized by Ping An Bank Beijing Branch in collaboration with the local community to promote financial education as part of the "2025 Financial Education Promotion Week" initiative [1][10] - The festival aimed to provide an immersive and engaging experience for citizens to learn about financial knowledge, legal consultation, employment services, and cultural experiences [3] Group 1 - The event featured three interactive game zones designed to integrate practical financial knowledge into enjoyable scenarios, enhancing public financial literacy [4] - Activities included the "Good Persimmon Rolls In" game, which matched different customer groups with suitable financial products, and the "Autumn Investment Fun" game, which helped citizens identify common financial risks [4] - The "Fruit Tycoon" game simulated real financial decision-making scenarios, promoting rational investment and legal rights awareness among the public [4] Group 2 - A special area called "Fruit Financial Shop" was set up to create a warm autumn atmosphere, where volunteers engaged with community residents through fun Q&A sessions and distributed cute fruit and vegetable dolls [6] - The event also provided various "benefit and convenience" services, including legal education, employment consultation, and food tasting, highlighting the close connection between finance and quality of life [8] - This public welfare market reflects Ping An Bank's commitment to the "Finance for the People" philosophy and its ongoing efforts to innovate promotional methods and fulfill social responsibilities [10]