特朗普炮轰信用卡利率 美国银行股应声大跌

Core Viewpoint - President Trump demands credit card companies to set a cap on interest rates at 10% and maintain it for one year, threatening legal action if they fail to comply [1][2][6] Group 1: Impact on Credit Card Companies - Major credit card companies, including JPMorgan Chase, First Capital Financial, and Citigroup, face increased political pressure following Trump's statements, leading to significant stock declines in pre-market trading [1][6] - Analysts from Wells Fargo and JPMorgan Chase warn that the proposed cap could eliminate profitability for credit card businesses and potentially force consumers into higher-cost debt [1][6] - In pre-market trading, First Capital Financial's stock dropped by 9.7%, American Express by 4.6%, Citigroup by 4.1%, JPMorgan Chase by 2.8%, and Wells Fargo by 2.2% [1][6] Group 2: Barclays Bank's Position - Barclays views its credit card business as a core component of its U.S. personal banking operations, with expectations of generating £3.6 billion in revenue by 2025, contributing 12% to total group revenue [4][10] - The bank's stock fell by 4.8% in London, marking its largest intraday drop since October 17 [1][4] Group 3: Potential Beneficiaries - The proposed interest rate cap may benefit "buy now, pay later" platforms like Klarna and Affirm, as traditional credit card loans may decline in popularity [2][7] - Klarna and Affirm's stocks rose by 5.9% and 3.9%, respectively, in pre-market trading [3][8] Group 4: Regulatory Considerations - The strong influence of the banking lobby in the U.S. suggests that Trump's proposed interest rate cap may not be fully enforced [4][10]