近日，河北金融监管局披露，同意交通银行太平洋信用卡中心保定分中心、唐山分中心终止营业。 而就在前几日，交通银行太平洋信用卡中心在浙江、杭州、金华等6个分中心同批收到浙江金融监管局，同意终止营业的批复。 仅4月份，交通银行就有11家信用卡分中心，迎来终止营业的批复文件，至此今年以来已有23例。 除了交通银行之外，广发银行、民生银行等银行也在陆续关闭异地信用卡分中心。 2、整合信用卡业务 前几年在信用卡迅猛发展的时候，各大银行都单独成立信用卡部门，用于发展信用卡业务。 但随着信用卡发展颓势渐显，很多银行都开始对信用卡业务进行整合。 除了关闭网点之外，很多银行更是直接将信用卡业务拆分，不再单独划分信用卡部门，而是并入零售部门下沉到分行当中。 2025年，中国信用卡迎来发行的40周年。 但是，全行业发卡规模，已经倒退到了2019年末的水平。 今年2月份，央行发布《2024年支付体系运行总体情况》显示： 2024年末，信用卡和借贷合一卡在用发卡数量为7.27亿张，比2023年末下降5.14%，共计减少4000万张。 与2022年第四季度8.07亿张相比，信用卡发卡量已经连续九个季度持续下降，累计减少8000万张。 信用 ...

欢迎扫描下方二维码关注： 离境退税,是指境外旅客在离境口岸离 境时,对其在退税商店购买的退税物品退还 增值税。 境外旅客,是指在我国境内连续居住不 超过183天的外国人和港澳台同胞。 什么是离境口岸? 离境口岸,是指实施离境退税政策的地 区正式对外开放并设有退税代理机构的口 岸,包括航空口岸、水运口岸和陆地口岸。 什么是离境退税"即买即退"? 享受该服务的境外旅客需满足什 么条件? 离境退税"即买即退"服务措施是离境 退税的一项便利化举措,是指境外旅客在已 实施离境退税政策地区的"即买即退"商店 购买退税物品时,签订协议书并办理信用卡 预授权后,即可在该"即买即退"商店现场 申领与退税款等额的人民币款项（以下称预 付金）。 享受该服务措施的境外旅客需满足以下 条件:在离境时经海关验核通过、按照协议 书约定在承诺期限内于指定口岸离境且符合 离境退税的政策规定。 能享受离境退税 "即买即退"的 物品需要满足哪些条件? 适用现行离境退税政策的退税物品均属于 离境退税"即买即退"范畴,但不包括下列物 of : 《中华人民共和国禁止、限制进出境物 品表》所列的禁止、限制出境物品; 02 退税商店销售的适用增值税 免税政 ...

Core Viewpoint - The recent personnel changes at China Everbright Bank, including the appointment of Liao Weiyu as the new general manager of the credit card center, coincide with a significant decline in the bank's credit card business performance, highlighting challenges in revenue generation and customer acquisition [2][3][8]. Personnel Changes - Liao Weiyu has been approved as the general manager of the credit card center as of May 16, 2025, marking a significant leadership change [2]. - Since the appointment of Hao Cheng as the bank's president in July 2024, there has been an accelerated pace of personnel adjustments within the bank [3]. - Other notable changes include the appointment of Song Bingfang as a member of the bank's party committee and discipline inspection secretary, and Ma Bo as the chief risk officer [3][6]. Credit Card Business Performance - In 2024, the total transaction amount for credit cards was 1.68 trillion yuan, a decrease of approximately 29.25% from 2.37 trillion yuan in the previous year [8]. - Credit card business revenue fell to 33.156 billion yuan, down 23% year-on-year, marking a continuous decline over five years [8]. - The number of new credit card customers significantly dropped to 1.0819 million, a decrease of about 67% compared to the previous year [8]. Overall Financial Performance - For the year 2024, China Everbright Bank reported total operating income of 135.415 billion yuan, a decline of 7.05% year-on-year, while net profit increased by 2.22% to 41.696 billion yuan [8]. - The net interest income was 96.666 billion yuan, down 10.06%, while non-interest income saw a 35.64% increase [8]. - The bank's net interest margin further contracted to 1.54%, a decrease of 0.2 percentage points [8]. Asset Quality and Compliance Issues - The non-performing loan balance rose to 49.252 billion yuan, with a non-performing loan ratio of 1.25%, remaining stable compared to 2023 [9]. - The bank faced regulatory penalties totaling 18.7883 million yuan for various compliance violations, including failures in customer identity verification and transaction reporting [9][10].

Group 1 - Capital One's acquisition of Discover for $35 billion has been finalized, creating the largest credit card issuer in the U.S. by loan volume [1] - The merger is expected to enhance product offerings and consumer experiences by combining the strengths of both companies [2] - The acquisition was approved by regulatory bodies, including the Federal Reserve and the Office of the Comptroller of the Currency [3] Group 2 - Concerns were raised by Democratic lawmakers regarding the potential negative impact of the acquisition on consumers and small businesses [4] - The lawmakers argued that merchants would be forced to accept terms dictated by Capital One due to its dominant market position [5] - The merger is anticipated to provide Capital One with increased scale and capabilities, allowing it to compete more effectively against Visa and Mastercard [6] Group 3 - Capital One aims to build a competitive payments network through this acquisition, enhancing its position in the payments industry [7] - In a separate development, Capital One has agreed to settle a lawsuit for $455 million related to misleading interest rate promises on its savings accounts [7]

Core Viewpoint - Several banks have adjusted consumer loan interest rates, ceasing discounts below 3%, while simultaneously offering promotional rates for credit card cash installment services, indicating a shift in strategy towards more refined customer management in credit card operations [1][5]. Group 1: Credit Card Cash Installment Promotions - Banks like China Merchants Bank and Bank of Communications are offering significant discounts on cash installment rates, with annualized rates as low as 2.76% and 5.49% for specific terms [2][3]. - Credit card cash installment services allow banks to provide cash credit directly to customers' designated accounts, with flexible repayment options and generally do not occupy credit card limits [3][4]. Group 2: Market Trends and Regulatory Environment - The People's Bank of China has emphasized the need for financial institutions to support consumer loans, which may lead to increased competition in the retail loan market [5][6]. - The credit card market is transitioning from a phase of broad expansion to one of meticulous management, with a decline in the issuance of new cards due to market saturation and stricter regulations [6][7]. Group 3: Industry Challenges and Future Outlook - The proportion of credit card loans in retail lending has decreased from 13.09% in 2022 to 12.54% in 2024, while personal business and consumer loans have seen an increase [6][7]. - Industry experts suggest that the focus should shift towards retaining valuable customers and leveraging technology and risk management to ensure sustainable growth in the credit card sector [7].

银行间的利率竞争赛并未消失，而是转移了阵地。 4月初，多数银行发布通知称，应总部要求，上调信用消费贷款年化利率至不低于3%，该举措叫停了持续已久的消 费贷价格战。没想到的是，仅一月后，"暗战"又以另一种方式打响。市场消息显示，多家商业银行阶段性下调了信 用卡现金分期的年化利率，"最低优惠"字眼吸睛。 现金分期利率低至2字头 客户想从银行借款，除贷款业务外，还可以通过信用卡办理现金分期。 现金分期（又称"取现分期"）是指持卡人申请信用卡中的可用额度转换为现金，并转账至指定借记卡内，随后按约 定分期偿还本金及手续费的业务。业内人士介绍，该服务无需抵押或担保，但在借款时需选定资金用途（限定于消 费领域，如装修、购车等），禁止用于投资或非法活动。 "通常信用卡现金分期业务的年化利率很高，除了特定优惠的还款期数，年化利率通常在10%以上。"该人士向券商中 国记者表示。 然而，近期多家银行推出限时优惠，调整部分期数的现金分期利率低至3%至4%左右，更有银行信用卡现金分期利率 低至"2"字头，紧追未调价前的消费贷利率优惠。 以招商银行"e招贷"为例，记者获悉，该行近期针对一年（即12期）及以上的现金分期给出"限时1.7折" ...

眼下，商业银行正在密集关停信用卡异地分中心。今年已有近30家银行信用卡中心关停。 4月30日，金融监管总局网站披露，北京金融监管局同意交通银行（601328）太平洋信用卡中心北京分 中心终止营业。值得关注的是，近期，交通银行明显加快了关闭信用卡异地分中心的节奏。交通银行太 平洋信用卡中心在浙江杭州、金华等6个分中心同批收到浙江金融监管局同意终止营业的批复。 此外，近期，民生银行（600016）关闭了民生银行信用卡中心东北分中心、华北分中心、华中分中心； 广发银行也关闭了广发银行信用卡中心昌吉分中心、牡丹江分中心。 "这是银行信用卡业务进入存量竞争阶段的主动调整。"上海金融与发展实验室首席专家、主任曾刚在接 受《金融时报》记者采访时表示。 "此前，信用卡业务作为银行零售转型的重要业务板块受到各行普遍重视，为了抢占市场份额，很多银 行放低信用卡申请门槛，可以说经过了'跑马圈地'的发展阶段。随着信用卡业务不良风险上升以及资金 供求关系的变化，银行信用卡业务的盈利情况出现拐点，亟需回归支付本源，从规模扩张转向集约化经 营。"曾刚分析认为，银行的信用卡中心实际上是利润中心，进行单独核算，此番调整使得其转化为二 级部门， ...

Group 1 - The core viewpoint of the article highlights the recent surge in gold investment and the associated risks of using credit cards for speculative trading in gold, prompting several banks to issue warnings [1] - Major banks such as China Construction Bank, Industrial Bank, Guangfa Bank, and Zheshang Bank have emphasized strict control over credit card usage for gold trading, citing the rise of illegal activities that lure cardholders with promises of low thresholds and high returns [1] - The banks' announcements indicate that such practices violate credit card usage regulations and pose significant financial risks, as losses from gold price fluctuations could lead to additional costs for cardholders, including interest on overdue payments and negative credit records [1] Group 2 - According to relevant regulations, credit cards are intended solely for personal consumption by the cardholder and are prohibited from being used for investment purposes, including but not limited to precious metals like gold, stocks, and funds [1]

Economic Developments - Significant progress has been made in high-level economic talks between the US and China, with both sides reaching important consensus [1][3] - The US Treasury Secretary Scott Bessent expressed satisfaction with the productive nature of the negotiations, indicating that a detailed briefing would follow [3] - The US Trade Representative emphasized the constructive nature of the discussions, highlighting the need to address the substantial trade deficit [3] Market Reactions - Following the news of the trade talks, US stock futures surged, with the Dow Jones rising by 1%, S&P 500 by 1.2%, and Nasdaq by 1.5% [1] - The offshore Chinese yuan experienced a significant increase, rising nearly 200 points, while Asian markets opened positively across the board [1] Gold Market Dynamics - International gold prices opened lower, with a decline exceeding 1%, and prices dropping to below $3,260 per ounce [4] - COMEX gold futures also faced pressure, opening nearly 2% lower at $3,283.7 per ounce [5] - Domestic gold jewelry prices followed suit, with notable decreases in prices for major brands [6] Future Gold Price Predictions - Analysts predict short-term volatility in gold prices, but a long-term upward trend is expected, with Goldman Sachs forecasting prices to reach $3,700 per ounce by the end of 2025 and $4,000 by mid-2026 [9] - China's gold reserves have increased for six consecutive months, with a total of 7.377 million ounces reported at the end of April, reflecting a growing trend in central bank gold purchases globally [10] Regulatory Actions - Several banks have issued warnings against using credit cards for gold trading, citing risks associated with market volatility and regulatory compliance [12][13] - The banks emphasize that credit card funds should only be used for daily consumption and not for investment purposes, including gold [12][13]

每一个清晨，都是一个新的开始；每一次努力，都是对未来的期许。各位朋友，新的一周，早安~ 近期，黄金价格大幅震荡。 伦敦金价从最高3500美元/盎司大幅跳水，最低已降至3201美元/盎司，跌幅高达5%。 与此同时，中国人民银行（以下简称中国央行）连续6个月增持黄金。5月7日，国家外汇管理局发布的数据显示， 4月末，中国黄金储备报7377万盎司， 环比增加7万盎司，为连续6个月增持黄金。在过去6个月中，中国央行持有的黄金增长近100万盎司，约合28吨。 中国央行增持黄金，这一情况与全球同频共振。世界黄金协会发布的数据显示， 今年第一季度，全球央行购金244吨，符合近3年季度购金量的常态水 平。2022年至2024年，全球央行连续3年购金量超1000吨，远超2010年至2021年的473吨平均水平。 市场预计央行对黄金需求不会轻易下降。世界黄金协会2024年对全球央行黄金储备调研结果显示， 29%的受访央行计划在未来12个月内增加黄金储备， 达2018年以来的最高水平。瑞银预测，各国央行将在2025年买入约1000吨黄金。 "黄金储备连续第六个月增加，符合市场预期。"东方金诚首席宏观分析师王青认为，美国总统特朗普就 ...