Sou Hu Cai Jing·2025-08-19 13:29Core Viewpoint - Several commercial banks in China have announced strict prohibitions against using credit card funds for stock trading, highlighting regulatory compliance and risk management concerns [1][2]. Group 1: Regulatory Actions - Since August, multiple banks, including Weibi Rural Commercial Bank and Huaxia Bank, have issued announcements prohibiting the use of credit card funds for investment activities such as purchasing stocks, funds, and futures [3]. - Minsheng Bank has stated that from September 18, 2025, credit card cash advance transfers will be subject to controlled amounts, restricting their use for non-consumption activities [3]. Group 2: Risk Management Concerns - According to researcher Lou Feipeng from Postal Savings Bank of China, using credit card funds for stock market investments poses risks of regulatory non-compliance and increased repayment pressure on cardholders, potentially leading to higher non-performing asset pressures for banks [2]. - Lou Feipeng suggests that banks should establish a scientific and reasonable performance evaluation system for credit card business, emphasizing compliance and risk management indicators over other metrics [2].