此次获奖，是国际行业机构对随行付创新能力的认可，也进一步坚定了随行付持续赋能实体经济的初心 与信心。未来，随行付将继续以政策为导向，与美国运通深化战略协作，依托双方在技术、场景与全球 网络方面的资源优势，共同推进支付产品创新与行业场景的深度融合，为更多企业与消费者提供更智 慧、更便捷的支付体验，助力构建开放、互联的支付生态。 自2024年成为美国运通在华收单合作伙伴以来，随行付深度整合自身技术研发实力与全场景服务经验， 不断推动外卡支付领域的创新突破。依托直联三大国际卡组织的技术优势，随行付自研轻量化境外银行 卡收单产品，实现"手机相机扫码"秒级支付，无需额外硬件投入，完美适配涉外商圈、零售、交通等小 额高频场景，既降低了商户接入成本，又贴合境外用户支付习惯，显著提升了美国运通卡在境内的受理 覆盖率与支付体验。 作为领先的线上线下全场景覆盖智慧支付平台，随行付始终聚焦实体经济服务，通过科技创新持续拓展 支付边界。公司以智慧支付为核心，深入物流、餐饮、零售、批发等多类行业场景，为全国超千万商户 提供安全、高效、贴合业务流的支付服务与数字化赋能。 近日，随行付凭借在支付领域的持续深耕与场景创新，荣获美国运通(Am ...

President Donald Trump’s proposal to impose a one-year 10% cap on credit card interest rates is being met with indifference on Wall Street, according to TV host Jim Cramer.Wall Street ‘Doesn’t Seem To Care’Cramer said Trump has “decided that credit card companies will have to cap rates at 10% for a year,” while noting that the move requires Congressional approval, on CNBC’s “Mad Money” on Monday.“Congress would need to pass actual legislation to make that happen,” Cramer said, while suggesting that Trump co ...

与此同时，发卡银行可能采取多重策略抵消利率上限带来的压力，包括提高卡费、削减消费奖励、压缩 运营开支、收紧授信额度等措施，尤其是在该政策被永久化的情况下，这些应对手段将更趋显著。 但这一上限能否落地存在巨大疑问，此前多次尝试均以失败告终。摩根士丹利分析师杰弗里·阿德尔森 在致客户的报告中指出，自 1978 年最高法院否决各州自行设定信用卡利率上限以来，联邦层面已多次 试图立法封顶。 Evercore ISI 分析师约翰·潘卡里和格伦·肖尔等在报告中写道："对发卡机构而言，总收入冲击在抵消前 将显著为负;然而，执行此类上限可能颇具挑战，且过去曾失败。" 上周末，银行政策研究所、美国银行家协会、消费银行家协会、金融服务论坛及独立社区银行家协会发 表联合声明称，该行政命令将减少信贷供给，并迫使消费者转向监管更少、成本更高的选择。 智通财经获悉，华尔街分析师周一指出，美国总统唐纳德·特朗普将信用卡利率上限设定为10%的政 策，不仅可能对银行业形成显著冲击，其影响还将延伸至航空、零售等消费相关行业，并可能迫使消费 者转向收费远高于信用卡的其他借贷渠道——例如新银行、发薪日贷款等高成本融资工具，形成市场生 态的连锁反应。 ...

华尔街分析师周一指出，美国总统唐纳德.特朗普将信用卡利率上限设定为10%的政策，不仅可能对银 行业形成显著冲击，其影响还将延伸至航空、零售等消费相关行业，并可能迫使消费者转向收费远高于 信用卡的其他借贷渠道——例如新银行、发薪日贷款等高成本融资工具，形成市场生态的连锁反应。 与此同时，发卡银行可能采取多重策略抵消利率上限带来的压力，包括提高卡费、削减消费奖励、压缩 运营开支、收紧授信额度等措施，尤其是在该政策被永久化的情况下，这些应对手段将更趋显著。 但这一上限能否落地存在巨大疑问，此前多次尝试均以失败告终。摩根士丹利分析师杰弗里.阿德尔森 在致客户的报告中指出，自1978年最高法院否决各州自行设定信用卡利率上限以来，联邦层面已多次试 图立法封顶。 Evercore ISI分析师约翰.潘卡里和格伦.肖尔等在报告中写道："对发卡机构而言，总收入冲击在抵消前 将显著为负;然而，执行此类上限可能颇具挑战，且过去曾失败。" 上周末，银行政策研究所、美国银行家协会、消费银行家协会、金融服务论坛及独立社区银行家协会发 表联合声明称，该行政命令将减少信贷供给，并迫使消费者转向监管更少、成本更高的选择。 KBW分析师桑贾伊. ...

Company Performance - American Express (AXP) closed at $359.59, down 4.27% from the previous trading session, underperforming the S&P 500's gain of 0.16% [1] - Over the past month, AXP shares have decreased by 1.82%, lagging behind the Finance sector's gain of 3.24% and the S&P 500's gain of 1.89% [1] Upcoming Earnings Report - The company is set to release its earnings on January 30, 2026, with expected earnings of $3.55 per share, reflecting a year-over-year growth of 16.78% [2] - Revenue is anticipated to be $18.86 billion, indicating a 9.78% increase compared to the same quarter last year [2] Fiscal Year Estimates - For the entire fiscal year, earnings are projected at $15.41 per share, showing a growth of 15.43%, while revenue is expected to remain flat at $72.11 billion [3] - Recent adjustments to analyst estimates suggest evolving short-term business trends, with positive revisions indicating analyst optimism [3] Zacks Rank and Performance - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has shown that 1 ranked stocks have yielded an average annual return of +25% since 1988 [5] - American Express currently holds a Zacks Rank of 3 (Hold), with a recent 0.13% increase in the consensus EPS estimate over the last 30 days [5] Valuation Metrics - The current Forward P/E ratio for American Express is 21.38, which is a premium compared to its industry's Forward P/E of 11.84 [6] - The company has a PEG ratio of 1.57, indicating a higher valuation relative to the average PEG ratio of 0.94 for Financial - Miscellaneous Services stocks [7] Industry Context - The Financial - Miscellaneous Services industry, part of the Finance sector, has a Zacks Industry Rank of 157, placing it in the bottom 36% of over 250 industries [8] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

机构认为，短期技术性回调风险上升。 【财经日历】 美国2025年12月CPI 2026三亚.国际种业科学家大会暨国际种业科技博览会(1/13-1/16) 第四届中国石油和化工行业数字化转型智能化发展大会(北京,1/13-1/15) 财报发布：摩根大通 | 树 盘前必读 | // 外盘怎么样 // | | | --- | --- | --- | | 名称 | 现价 淵鉄 | 涨跌幅 | | 道琼斯工业平均 | 49590.20 86.13 - | 0.17% | | 纳斯达克指数 | 23733.90c 62.55 | 0.26% | | 标普500 | 6977.27 10.99 10 | 0.16% | 当地时间周一，美股小幅走高。截至收盘，道指涨0.17%，纳指涨0.26%，标普500指数涨0.16%。道指和标普联袂创收盘新高。 金融板块下跌超1%，在标普500指数各板块中领跌。美国总统特朗普宣布，将于1月20日起对信用卡年利率设置为期一年的10%上限，受此影响，贷款机构 及信用卡公司的股价承压下挫。美银跌1.2%，摩根大通跌1.4%，花旗跌近3%，美国运通跌4.2%。 沃尔玛涨3%，市场对其即将纳入纳斯 ...

Key Takeaways Bank stocks fell Monday after President Donald Trump said over the weekend that credit card interest rates should be capped at 10% for at least a year.How a cap would be put in place and why for only a year remains unclear. A number of banking and financial stocks slumped Monday after President Donald Trump over the weekend suggested capping credit card interest rates. Trump posted on social media late Friday that Americans are being "ripped off" by interest rates of 20% to 30%, and said ...

不过，分析人士指出，总统并无权单方面实施该上限，相关措施需经美国国会立法通过。Raymond James华盛顿政策分析师Ed Mills在周日的报告中表示，立法风险总体仍然较低，但总统公开表态无疑提 高了市场对该议题的关注度。 Jefferies分析师John Hecht认为，这一提议在国会"几乎不可能通过"，类似措施在历史上一直缺乏足够支 持。但他同时警告称，即便概率不高，一旦推进，也可能在短时间内对信用卡商业模式构成严峻挑战。 Truist分析师Brian Foran则指出，若10%的利率上限真的实施，信用卡业务很可能整体陷入亏损，其中次 级信用卡受到的冲击将最为严重。他在报告中称，像Synchrony Financial以及Bread Financial等"高度依 赖信用卡业务的公司"风险最大，其次是第一资本信贷。 智通财经APP获悉，周一，美股金融板块普遍下挫。此前，美国总统特朗普呼吁对信用卡利率设定10% 的上限，引发市场对银行及信用卡公司盈利模式可能遭到冲击的担忧。 在当日交易中，信用卡相关个股跌幅尤为明显。以信用卡业务为核心的发行机构遭遇集中抛售，其中多 家大型金融机构股价明显走低。Bread ...

President Trump’s call to cap credit card interest rates at 10% for a year sent shockwaves through Wall Street on Monday, weighing down bank stocks as investors recoiled from a proposal that threatens the industry’s most lucrative profit engine.Shares of JP Morgan Chase had dropped nearly 7% as of midday Monday while Capital One fell 6.5% and Citigroup slid over 3% as investors dumped lenders with heavy exposure to high-interest consumer credit in the wake of Trump’s remarks.Visa fell over 5% while American ...

President Trump attacked not only Fed Chair Powell in recent months, but over the weekend, he took verbal aim at credit card companies. The POTUS floated the idea of capping credit card interest rates at 10% , which, if made law, would significantlyFreelance Financial Writer | Investments | Markets | Personal Finance | RetirementI create written content used in various formats including articles, blogs, emails, and social media for financial advisors and investment firms in a cost-efficient way. My passion ...