美国联邦住房金融署（FHFA）署长普尔特："太迟先生"鲍威尔与那些把钱花在汽车贷款、信用卡和抵 押贷款上的辛勤工作的美国人脱节了。 ...

回想起 2011 年，第一次听到时任招行行长的马蔚华提到「消灭信用卡」，说未来卡片的形态会逐渐消失。大为震撼，只觉得难以想象。 没想到转眼间，中国市场上的信用卡数量超过7亿张，成为了最常见的支付借贷工具，「卡片」也真的逐渐从我们生活中隐退。 一份对于信用卡行业具有奠基意义的监管文件正式退出历史舞台。 最近，我的一张信用卡刚好到期续卡，打开App操作时才发现，现在多了一个续电子卡的选项。而且从备注说明来看，银行更推荐哪一种，显而易见。 这让我想起一部刚刚退出历史舞台、具有里程碑意义的信用卡「奠基」法规——《银行卡业务管理办法》（银发〔1999〕17号）。 但随着行业经历了「跑马圈地」的高速增长，和精耕细作的「存量时代」，信用卡业务从曾经的「零售尖兵」、「利润引擎」变为银行的「鸡肋」板块， 甚至成为拖累…… 当过去的获客、交易和服务模式逐渐失灵，信用卡行业的上一个时代已经落幕，《银行卡业务管理办法》也功成身退，告别了历史舞台。 1 「老办法」曾经也是「新办法」。 信用卡行业通常将1985年视作中国信用卡行业的起点。这一年，中国银行珠海分行发行了我国第一张人民币信用卡。 但在此后的十多年时间里，因为对个人贷款业务的 ...

Core Viewpoint - The recent leadership changes at Minsheng Bank, particularly the appointment of Chen Dapeng as the new head of the Shenzhen branch, signal a strategic shift towards enhancing technology-driven financial services to support the growth of innovative enterprises in Shenzhen [1][3]. Group 1: Leadership Changes - Minsheng Bank has undergone significant personnel adjustments in its headquarters and various branches, including the credit card center and transaction banking department [1]. - Chen Dapeng, previously the president of the credit card center, is expected to take over as the head of the Shenzhen branch, emphasizing the importance of technology finance tailored to local characteristics [1][3]. Group 2: Financial Performance - As of the end of September 2024, the Shenzhen branch's total assets amounted to 320.6 billion yuan, with deposits of 309 billion yuan and loans of 249.7 billion yuan, ranking it among the top branches of the bank [3]. - For the first quarter of 2025, Minsheng Bank reported an operating income of 36.813 billion yuan, a year-on-year increase of 7.41%, while net profit attributable to shareholders was 12.742 billion yuan, a decrease of 5.13% [3]. Group 3: Credit Card Business Insights - Chen Dapeng advocates for "scenario-based installment services" to tap into new market opportunities, highlighting the role of credit card installments in improving consumer spending and quality of life [2]. - The credit card market has become increasingly competitive, with rising overdue issues leading to a decline in asset quality for financial institutions. As of the end of 2024, the total overdue credit card loans reached 123.964 billion yuan, a year-on-year increase of 26.31% [2].

Group 1 - Recent illegal activities involve enticing credit card holders to overdraw their cards for "gold trading" with promises of low thresholds and high returns [1] - Multiple banks have issued urgent announcements to strictly control credit card usage for "gold trading," stating that credit card funds must not be used for investments in high-risk areas such as the stock market and gold [1] - The volatility of gold prices is influenced by market sentiment, monetary policy, and geopolitical factors, posing significant risks for inexperienced investors who may suffer losses during price fluctuations [1] Group 2 - Financial institutions and payment agencies are urged to strengthen management of credit card cash withdrawal behaviors and to limit such activities through POS machines [2] - Authorities are called to enhance cooperation to crack down on illegal inducements for credit card overdrafts for "gold trading," with severe penalties for serious cash withdrawal cases as per legal interpretations [2] - The highest legal authorities have warned illegal operators to cease their activities to avoid legal consequences [2]

第第第第第第第第五五五五五五五五届届届届届届届届 """"" """" 龙龙龙龙龙龙龙龙卡卡卡卡卡卡卡卡信信信信信信信信用用用用用用用用卡卡卡卡卡卡卡卡 66666 666666666 6666 节节节节节节节节 """"" """" 火火火火火火火火爆爆爆爆爆爆爆爆来来来来来来来来袭袭袭袭袭袭袭袭 消消消消消消消消费费费费费费费费达达达达达达达达标标标标标标标标最最最最最最最最高高高高高高高高获获获获获获获获赠赠赠赠赠赠赠赠 55555 5555 倍倍倍倍倍倍倍倍积积积积积积积积分分分分分分分分 22222 222200000 000000000 0000 亿亿亿亿亿亿亿亿积积积积积积积积分分分分分分分分等等等等等等等等您您您您您您您您来来来来来来来来瓜瓜瓜瓜瓜瓜瓜瓜分分分分分分分分 快快快快快快快快来来来来来来来来报报报报报报报报名名名名名名名名吧吧吧吧吧吧吧吧！！！！！！！！ 活动说明 活动内容 | 活动档位 境内消费 | 奖励积分 | 封顶值 | 奖励名额 | | --- | --- | --- | --- | | 6000元 | 6000积分 | 6000积分 | 40万个 | | 1万元 | 超过 ...

文/ 苏商银行特约研究员 薛洪言 最近几年，在金融行业数字化转型的浪潮中，信用卡业务正经历一 场静默而深刻的变革。尤其是今年以来多家商业银行陆续关停异地 信用卡分中心，更是向市场释放了从规模扩张向价值重构的明确转 型信号。这场"瘦身"运动不仅是对过去粗放发展模式的修正，更是 信用卡业务在数字化时代寻求可持续发展的必然选择。 阵痛之源：行业转型的内外压力 回顾发展史，信用卡行业的调整，本质上是多重矛盾交织的必然结果。 一是粗放扩张的历史遗留问题。 过去十年间，信用卡曾是银行零售转型的核心抓手。为快速抢占 市场，银行通过与互联网平台合作，以联名推广、首刷优惠等方式实现大规模发卡，最终不可避 免出现客户资质下沉、过度授信等问题。随着经济增速放缓叠加外部冲击，居民消费能力收缩、 还款能力下降，信用卡不良风险暴露，不良率显著高于其他零售贷款产品，成为银行资产质量的 潜在风险点，倒逼银行重新审视粗放发展模式的可持续性，转型势在必行。 2015年末，我国信用卡发卡量为4.32亿张，2022年6月末最高达到8.07亿张，之后开始高位回落， 2024年末为7.27亿张。从代表性银行来看，期间信用卡不良率均有不同幅度的提升，如兴 ...

最近几周，支付公司高管们一直在与参议员们通话，试图阻止信用卡相关条款的通过。据熟悉相关情况 的人士透露，这些电话内容已被报道。 怀俄明州的共和党议员辛西娅·卢米斯在周二接受采访时预测该法案将于下周获得通过，但她同时表 示，这项信用卡修正案"难度很大，因为要对一项经过精心协商的法案进行修改，并加入一个存在争议 的新内容。" 智通财经APP获悉，美国零售商及其在参议院的同盟者试图强制要求信用卡处理业务与Visa(V.US)和万 事达(MA.US)展开竞争，这一举动使得旨在迅速通过由加密货币行业和特朗普支持的稳定币法案的努力 变得复杂起来。 堪萨斯州共和党人罗杰·马歇尔提出了这项修正案，该修正案得到了伊利诺伊州民主党人迪克·德宾的支 持。迪宾此前曾领导过一项成功的跨党派行动，旨在降低借记卡费用。这项信用卡竞争措施在副总统杰 德·万斯担任参议员期间也得到了支持，当时他还是其他具有民粹主义倾向的共和党人之一。 该提案要求大型银行为处理信用卡交易提供多种支付网络选择，其中包括非Visa和万事达的支付网络。 其目的是通过引入更多竞争来降低商家进行此类交易所支付的费用。 马歇尔周二在接受采访时表示："我认为这对总统来说是一次 ...

Group 1 - The article highlights a 1.5% difference in loan interest rates among different branches of the same bank, driven by three key factors: differences in customer qualification assessment systems, varying performance evaluation weights for branches, and the type of collateral affecting risk control flexibility [2] - Negotiation tactics and pre-review of materials can significantly reduce annual interest rates, with examples showing a drop from 5.2% to 4.7% through strategic discussions and document preparation [2] - The importance of asking specific questions to bank managers before applying for loans is emphasized, as it can lead to more favorable interest rate options [2] Group 2 - Preparation of application materials is crucial, with specific timelines provided for documents such as enterprise recognition certificates and audit reports, highlighting the need for timely and organized preparation to avoid missing application windows [3] - A case study illustrates how a food processing factory owner successfully increased the valuation of a property from 480 million to 1 billion by leveraging regional industrial trends and enhancing the property’s appeal through additional documentation [3][4] - Dynamic assessment thinking is essential, as overlooked factors like regional planning benefits and hidden asset values can enhance loan applications [4] Group 3 - Specialized enterprises can access subsidized loans at a 3.65% annual interest rate by completing specific certification processes and preparing required financial documentation [5] - Many business owners are unaware of the high-interest traps associated with credit card debt, but strategic actions can reduce annual interest rates from 18% to below 4.5% [7] - The article emphasizes the potential for optimizing financing combinations in the vibrant market of Wuhan, with specific strategies for property valuation and credit card restructuring highlighted as effective cost-saving measures [7]

本文转自【央视新闻客户端】； 最近一段时间，国际金价波动加剧，年初以来最高涨幅近30%，国内品牌首饰金价格最高突破了每克千元。目前，金价又有所回调，国内首饰金的批发价在 每克近800元左右。面对金价波动，最近的黄金消费又有哪些新变化？记者第一时间来到黄金市场进行探访。 小克重金饰受青睐 在北京的一家珠宝城柜台前，有不少顾客正在挑选、询价。一位商家告诉记者，虽然近期金价波动，店铺的客流量较此前高峰有所回落，但平均每天仍有数 十笔成交，到周末会达到上百笔。 珠宝城某黄金商户 赵庆丰：最近珐琅的戒指，还有镶嵌彩宝的小戒指走得特别好。第一，克重不是很重，一克到几克都有，相对来说千八百块钱就可以买 一件。第二个，夏天大家穿各种颜色的衣服，可以搭配各种款式的首饰。 记者发现，近期国际金价高位震荡，导致首饰金价单日波动可达几元到几十元。最近消费者倾向购买克重小的产品，以降低金价波动带来的风险。同时，他 们也更偏爱古法金、珐琅彩及精致镂空雕刻等产品。 某黄金珠宝专卖店负责人 陈浩：部分低客单价的产品会有更好的销售。非遗、手工类的具有收藏价值的产品，它的销售额也在上升，我们为他们做了不同 的系列产品。 以旧换新 黄金回收受消费 ...

满减福利出击 3C商品更有大额满减 快来淘宝挑选你的618商品吧 用62开头 龙卡信用卡银联单标卡 在最新版 淘宝 、 天猫APP 分期购物 全品类享 满500元减25元 或 满1500元减75元 优惠 3C品类享 满3000元减150元 或 满6000元减300元 优惠 至高24期0分期利息 2025年5月16日20:00:00至2025年6月20日23:59:59（3C品类） 2025年5月16日00:00:00至2025年6月30日23:59:59（全品类） 活动对象 活动细则 卡号62开头的龙卡信用卡银联单标卡（商务卡、专项分期卡除外）持卡用户，以下 简称"用户"。 活动内容 活动期间，用户在最新版淘宝、天猫APP分期购买指定商品，在商品详情页"分期 付款"栏位选择"建设银行信用卡"及期数，并在收银台使用 62开头的龙卡信用卡银联单 标卡（商务卡、专项分期卡除外）进行分期支付时，全品类商品有机会享受实付满500 元减25元或满1500元减75元优惠，3C品类商品有机会享受实付满3000元减150元或满 6000元减300元优惠 ，还有机会享至高24期0分期利息（0分期利息时，近似折算年化利 率（单利） ...