多家银行明确！这笔钱，不能炒股！

Core Viewpoint - Several commercial banks in China have announced strict prohibitions on the use of credit card funds for stock trading and other investment activities, indicating a regulatory tightening in the financial sector [1]. Group 1: Bank Announcements - On August 14, Weibi Rural Commercial Bank stated that credit card funds cannot be used for investment activities such as purchasing stocks, funds, or futures [1]. - On August 7, Huaxia Bank announced that cash advances, including cash withdrawals and transfers, must not be used for any non-consumption activities, including but not limited to buying stocks, securities, futures, or real estate [1]. - On August 5, Minsheng Bank's credit card center announced that starting September 18, 2025, cash advance transfers will be subject to controlled amounts, and funds transferred to debit cards cannot be used for investments or other non-consumption purposes [1]. - Other banks, including Shaanxi Fengxiang Rural Commercial Bank and Yunnan Hekou Rural Commercial Bank, have also issued similar announcements prohibiting the use of credit card funds for investment [1]. Group 2: Regulatory Implications - According to researcher Lou Feipeng from China Postal Savings Bank, credit card funds are intended for personal consumption, and their flow into the stock market poses risks of regulatory non-compliance and increased repayment pressure on cardholders, potentially leading to higher non-performing asset pressures for banks [1]. Group 3: Recommendations for Banks - It is suggested that banks should establish a scientific and reasonable performance evaluation system for credit card business, with compliance and risk management indicators weighted significantly higher than other types of indicators [2].