特朗普呼吁设10%信用卡利率上限，瑞银警告：反而会对民众造成负面影响

Core Viewpoint - UBS warns that President Trump's proposal to cap credit card interest rates at 10% may have counterproductive effects on consumers and the economy [1][2] Group 1: Impact on Financial Institutions - Trump's call for a 10% cap on credit card interest rates has led to a sell-off of major financial stocks, including Capital One, Synchrony Financial, JPMorgan Chase, and Citigroup [1] - Investors are reacting to the potential threat to the profitability of lending institutions due to the proposed interest rate cap [1] Group 2: Consumer Spending and Economic Implications - UBS analysts suggest that the proposed cap could suppress consumer spending and reduce lending to certain borrower groups, particularly low- and middle-income Americans [2] - The Federal Reserve Bank of Boston data indicates that credit card spending across different income groups could face severe impacts, with at least 26% of credit card consumption potentially affected [2] - Consumer spending accounts for approximately 70% of U.S. GDP, and credit card spending constitutes nearly half of Visa's total payment volume and over half of Mastercard's [2]