惠誉：由于全球贸易政策的不确定性持续对借款人造成压力，中国和韩国结构性融资行业的资产表现将继续承压，对中国RMBS（住房抵押贷款支持证券）和汽车贷款以及韩国信用卡的资产表现展望在2026年为“恶化”，而对日本汽车贷款的展望为“中性”。未来全球贸易流动的任何中断都将进一步抑制消费者信心和经济复苏前景。 ...

Personal Finance Strategy - Individual decides to discontinue actively pursuing credit card rewards programs, including U Card benefits [1]

Core Viewpoint - The statement from FHFA Director Mark Calabria highlights a disconnect between Federal Reserve Chair Jerome Powell and hardworking Americans who are spending on auto loans, credit cards, and mortgages [1] Group 1 - The FHFA Director criticizes Powell for being out of touch with the financial struggles of average Americans [1] - The focus is on the financial burdens faced by consumers in relation to their spending habits on loans and mortgages [1]

Marketing Analysis - The industry views the marketing positioning of the paid "M-branded NFT U Card" as awkward [1] - For card organizations, credit cards are superior to debit cards, which are superior to prepaid cards, and U cards are considered the lowest tier within prepaid cards [1] Financial Alternatives - The industry suggests that with the budget for a U card, obtaining an ITIN with a mainland passport is a better alternative for accessing US credit cards [1] International Banking - Preparing overseas bank accounts and credit cards is recommended for seamless fund transfers [1]