广大金融消费者应感谢银行机构的做法，而不是责难和非议。金融消费者应积极配合，提高金融风 险意识和投资自律能力，保持清醒理智，杜绝盲目跟风的投资行为。银行机构和金融监管部门应加大监 管力度，强化信用卡持卡人教育引导，优化信用卡绩效考核，避免单纯追求规模的行为。同时，要搞好 信用卡资金流向的全流程监管，提高信用卡资金动向监测能力，构建信用卡资金运行"闭环"，筑牢信用 卡资金用途的"防火墙"，彻底堵塞信用卡资金流向异动的各种漏洞。 作者系中国地方金融研究院研究员 一方面，一些缺乏专业投资能力和风险判断能力的信用卡持卡人容易盲目跟风投资。例如，此前黄 金价格暴涨时，不少投资者用信用卡资金炒黄金；当前股市处于"慢牛"行情，部分持卡人在缺乏足够资 金和抵御风险能力的情况下，盲目加杠杆，透支信用卡资金投入股市。股市波动起伏，一旦行情急转直 下，可能导致持卡人还款能力骤降，甚至"血本无归"，这是被股市现实反复上演的教训。显然，不少投 资者容易被股市上涨的"繁荣"景象蒙蔽，丧失理智。之前银行通过限制资金流向"炒金"领域，有效遏制 了投机行为，降低了市场风险传导性，让不少投资者避免了损失。此次银行再次警告，严防信用卡资金 流向非 ...

8月7日，华夏银行发布公告表示，预借现金包括现金提取和现金转账，客户不得将预借现金资金用于任 何生产经营、投资等非消费活动领域（包括但不限于购买股票、有价证券、期货、理财产品等金融产 品，购房或进行房地产经营等）。 8月5日，民生银行信用卡中心公告，根据信用卡资金用途管理要求，于2025年9月18日起，将信用卡预 借现金转账业务纳入信用卡资金受控金额，对该受控金额进行资金用途管理。转入借记卡内的信用卡透 支资金，不得用于购房、投资、生产经营、归还贷款及信用卡、博彩及其他违规领域，否则可能导致交 易失败。 除了上述银行，乌鲁木齐银行、陕西省农村信用社联合社、云南省农村信用社旗下的文山市农商行、河 口农商行等也纷纷发布公告，进一步明确信用卡资金用途，强调信用卡仅限持卡人本人日常消费使用， 不得用于证券投资等领域。 近日，上证指数连续攀升，刷新近十年新高，居民入市的热情有所回升。近期多家银行发布公告重申， 信用卡资金不得用于股票、基金等投资理财领域，还有银行对信用卡预借现金的使用升级了监管措施。 8月20日，平安银行信用卡中心发布《关于进一步明确信用卡资金用途的公告》，对信用卡透支资金 （包含各类分期及预借现金资金 ...

7月下旬以来，A股市场持续走强，市场活跃度显著提升，单日成交额多次突破万亿元关口。8月22日， 沪指冲上3800点，收报3825.76点，创十年新高。沪深两市成交近2.55万亿。 股市火热，为防止部分信用卡用户试图通过信用卡套现或预借现金转入借记卡后违规流入股市，多家银 行于近期发布关于明确信用卡资金用途的公告，再次强调信用卡资金不得用于投资理财领域，如购买股 票、基金、期货、理财产品、虚拟币、投资性贵金属、股权投资及其他权益性投资等。 分析人士指出，银行此时集中发声既是落实《关于进一步促进信用卡业务规范健康发展的通知》等监管 要求，也是在市场情绪升温背景下进行风险提示，强化合规导向的体现。 股市气氛炽热 多家银行强调信用卡资金不得流入股市 8月19日，乌鲁木齐银行发布了《关于进一步明确信用卡资金用途的公告》，列出9项关于信用卡资金用 途的注意事项。其中包括"信用卡资金不得用于投资理财领域，如购买股票、基金、期货、理财产品、 虚拟币、投资性贵金属、股权投资及其他权益性投资等。" "若信用卡资金用于以上或其他非消费领域，则有可能交易失败。"乌鲁木齐银行在上述公告中提 示："对于持卡人违规用卡、出现监管机构规定或 ...

Core Insights - Recent announcements from multiple banks have clarified the permissible uses of credit card funds, emphasizing that they are strictly for personal daily consumption and cannot be rented or lent out [1] - The measures reflect banks' strengthened risk management of credit card operations and the regulatory authorities' stringent oversight of financial fund flows [1] Regulatory Framework - Credit cards are designed to provide a convenient non-cash payment method for cardholders, with strict regulations prohibiting the use of credit card funds in securities and futures markets, equity investments, and business operations [3] - Banks have set stringent limitations on credit card fund flows, explicitly forbidding their use for real estate development, home purchases, financial products, investment accounts, bond purchases, and lending activities [3] Risks of Non-compliance - Some users engage in illegal cash withdrawal practices by transferring funds from credit cards to debit cards and subsequently to securities accounts for investment, or by using point-of-sale machines for fictitious transactions [4] - Such violations pose multiple risks, as credit card funds are short-term loans, and their misuse in investment sectors can disrupt financial institutions' ability to regulate fund allocation, leading to market disorder [4] - Users caught misusing credit card funds may face restrictions on credit card usage and potentially legal consequences, adversely affecting their credit records [4]

Core Viewpoint - Multiple small and medium-sized banks in China have issued announcements restricting the use of credit card funds, explicitly stating that these funds cannot be used for investment purposes such as purchasing stocks or other financial products [1][2][4]. Group 1: Announcements from Banks - On August 14, Weibi Rural Commercial Bank announced that credit card funds are limited to daily consumption by the cardholder and must be legitimate and compliant [2]. - Similar announcements have been made by other rural commercial banks, including Shaanxi Fengxiang Rural Commercial Bank and Yunnan Hekou Rural Commercial Bank, emphasizing that credit card funds cannot be used for investments [2]. - Minsheng Bank's credit card center stated that starting September 18, 2025, cash advance transfers from credit cards will be subject to controlled fund usage management [3]. Group 2: Risks of Misuse - Credit card funds are primarily intended for personal consumption and are considered short-term borrowing, with regulations prohibiting their use for loans or investments [3][4]. - There are concerns that credit card funds flowing into investment areas disrupt the regulatory oversight of financial institutions and the credit market [4]. - Instances of banks being penalized for allowing credit card funds to enter restricted areas have been documented, indicating a systemic issue in monitoring and control [4]. Group 3: Recommendations for Banks - Experts suggest that banks should enhance front-end risk control, improve transaction monitoring systems, and establish mechanisms for handling violations to prevent misuse of credit card funds [5]. - Utilizing big data and AI for real-time transaction monitoring can help identify suspicious activities, such as large transfers to securities accounts [5]. - A robust performance evaluation system for credit card operations should prioritize compliance and risk management metrics over other indicators [5].