银行提示：信用卡资金不得用于购买股票

Core Viewpoint - Multiple small and medium-sized banks in China have issued announcements restricting the use of credit card funds, explicitly stating that these funds cannot be used for investment purposes such as purchasing stocks or other financial products [1][2][4]. Group 1: Announcements from Banks - On August 14, Weibi Rural Commercial Bank announced that credit card funds are limited to daily consumption by the cardholder and must be legitimate and compliant [2]. - Similar announcements have been made by other rural commercial banks, including Shaanxi Fengxiang Rural Commercial Bank and Yunnan Hekou Rural Commercial Bank, emphasizing that credit card funds cannot be used for investments [2]. - Minsheng Bank's credit card center stated that starting September 18, 2025, cash advance transfers from credit cards will be subject to controlled fund usage management [3]. Group 2: Risks of Misuse - Credit card funds are primarily intended for personal consumption and are considered short-term borrowing, with regulations prohibiting their use for loans or investments [3][4]. - There are concerns that credit card funds flowing into investment areas disrupt the regulatory oversight of financial institutions and the credit market [4]. - Instances of banks being penalized for allowing credit card funds to enter restricted areas have been documented, indicating a systemic issue in monitoring and control [4]. Group 3: Recommendations for Banks - Experts suggest that banks should enhance front-end risk control, improve transaction monitoring systems, and establish mechanisms for handling violations to prevent misuse of credit card funds [5]. - Utilizing big data and AI for real-time transaction monitoring can help identify suspicious activities, such as large transfers to securities accounts [5]. - A robust performance evaluation system for credit card operations should prioritize compliance and risk management metrics over other indicators [5].