④ 21:00 美联储理事米兰参加彭博电视一个节目； 【提醒：日内请重点关注（以下均为北京时间）】① 15:30 瑞士12月CPI； ② 16:30 欧洲央行副行长金多斯在一个论坛期间发表非正式讲话，瑞士央行公布货币政策会议纪要； ③ 18:00 欧元区12月经济景气指数，消费者信心指数终值； 微信小程序搜索"见闻历"，了解更多。 ⑤ 21:30 美国1月3日当周首次申请失业救济人数、10月贸易帐，加拿大10月贸易帐； ⑥ 23:00 美联储理事米兰在希腊雅典讲话； ⑦ 次日04:00 美国11月消费信贷； ...

据知情人士称，摩根大通将取代高盛集团成为苹果公司信用卡业务的合作方。 知情人士表示，预计该交易很快就会宣布。由于谈及非公开信息，知情人士要求匿名。摩根大通和高盛 的代表不予置评。苹果公司未立即回应置评请求。 随着高盛逐步退出消费信贷领域，这一行动在意料之中。苹果公司一直坚持对以消费者为中心的金融服 务押注，并在数字钱包领域占据主导。 Synchrony Financial据报道也在竞购接手苹果的信用卡项目。分析师此前指出摩根大通和Capital One Financial Corp．可能会成为高盛的潜在替代者。 责任编辑：王永生 据知情人士称，摩根大通将取代高盛集团成为苹果公司信用卡业务的合作方。 知情人士表示，预计该交易很快就会宣布。由于谈及非公开信息，知情人士要求匿名。摩根大通和高盛 的代表不予置评。苹果公司未立即回应置评请求。 随着高盛逐步退出消费信贷领域，这一行动在意料之中。苹果公司一直坚持对以消费者为中心的金融服 务押注，并在数字钱包领域占据主导。 Synchrony Financial据报道也在竞购接手苹果的信用卡项目。分析师此前指出摩根大通和Capital One Financial Corp． ...

滙富快訊 香港及中國市場日報 今日焦點: ►永旺信貸（900 HK，股價7.23港元，市值30億港元，公允 價值12.00港元）3Q26業績穩健，貸款規模創新高，資產質 量持續改善 3Q26業績符合預期。永旺信貸（ACSA）在香港提供各類消費信貸融資服 務，包括簽發信用卡，提供私人貸款，租賃融資等。3Q26業績穩健，收 入按年增長3.8%至4.61億港元，符合我們預期。公司在精準營銷與品牌 力提升的雙重推動下，有效控制銷售費用，營業費用率按年收窄1個百分 點至45%。減值前營業利潤按年增長6.7%至2.37億港元。淨利潤達1.19億 港元，按年增長13.5%，符合我們預期，連續第五個季度利潤增速高於收 入增長。 | 香港及中國市場指數 | | 收 市 每日升跌 今年累升 | | | --- | --- | --- | --- | | 恒生指數 | 25,774 | -0.1% | 28.5% | | 中資企業指數 | 8,913 | -0.3% | 22.3% | | 紅籌指數 | 4,067 | -0.2% | 7.6% | | 滬深300指數 | 4,620 | 0.2% | 17.4% | | 上海A股 ...

Google is expanding its push into consumer finance in India with the launch of a UPI-linked credit card, betting on a country of more than 1.4 billion people where fewer than 50 million currently hold a credit card. On Wednesday, Google entered India’s growing co-branded credit card market with the launch of Flex by Google Pay, partnering with private lender Axis Bank to expand access to credit in the country’s UPI-driven payments ecosystem. India’s rapid adoption of digital payments through the govern ...

Core Viewpoint - Tencent's subsidiary, Shenzhen Financial Payment Network Small Loan Co., Ltd. (referred to as "Financial Payment Small Loan"), has received regulatory approval for a capital increase of 4.5 billion yuan, raising its registered capital to 15 billion yuan, marking a 50-fold increase over five years through six rounds of capital increases [1][4]. Group 1: Capital Increase and Regulatory Impact - The increase in registered capital allows Financial Payment Small Loan to leverage a maximum of 750 billion yuan in lending capacity based on the regulatory "1+4" financing leverage rule [1]. - Following the capital increase, Financial Payment Small Loan ranks second among national online small loan institutions, only behind ByteDance's Zhongrong Small Loan Co., Ltd., which has a registered capital of 19 billion yuan [2]. - The capital increase trend among internet small loan companies is driven by both regulatory logic and business needs, with 12 companies having registered capital exceeding 5 billion yuan as of July 2025 [2]. Group 2: Regulatory Framework - The regulatory framework for online small loans has evolved since the draft of the "Interim Measures for the Management of Online Small Loan Business" was released in November 2020, establishing a capital requirement of 5 billion yuan for cross-provincial operations [4]. - The new regulations, effective January 2025, focus on business norms and regional management, tightening requirements for the capital contribution ratio in joint loans with banks to a minimum of 30% [4]. Group 3: Product Development and Market Position - Financial Payment Small Loan offers two main products: "Fenfu," which allows for flexible repayment with a daily interest rate of 0.04%, and "Fengqi," which is designed for larger payments with fixed repayment terms [5][6]. - The "Fenfu" product has evolved from a consumption credit service to a cash loan service, allowing withdrawals to bank accounts, thus broadening its product offerings [7][8]. - As of June 2024, the loan balance for Financial Payment Small Loan was approximately 12.9 billion yuan, while the loan balance for WeChat's "Fenfu" reached 120 billion yuan by June 2025 [7]. Group 4: Financial Ecosystem and Performance - Tencent's financial ecosystem includes WeBank, which has become a significant profit contributor, with a net profit of 10.9 billion yuan in 2024, surpassing the combined net profits of 18 other private banks [9]. - The financial technology and enterprise services segment contributed 168.6 billion yuan in revenue in the first three quarters of 2025, becoming the second-largest revenue pillar for Tencent [11]. - The gross margin for the financial technology and enterprise services segment improved from 28% in 2020 to 50% in the third quarter of 2025, indicating a positive shift in revenue structure [10].

来源：贝壳财经 【#三部门联手放大招促消费#，引导#信贷资金加大向消费重点领域投放#】近日，商务部办公厅、中国人民银行办公厅、 金融监管总局办公厅发布关于加强商务和金融协同，更大力度提振消费的通知。其中提到，强化政策合力。鼓励地方商务 主管部门充分利用现有资金渠道，积极开展促消费活动，与金融支持形成合力，更好激发消费潜力。鼓励有条件的地方运 用数字人民币智能合约红包提升促消费政策实施质效。结合地方实际探索运用融资担保、贷款贴息、风险补偿等多种方 式，加强财政、商务、金融政策协同配合，引导信贷资金加大向消费重点领域投放。鼓励有条件的地方通过多种方式支持 参与康养、文旅等消费重点项目和数字、绿色等新型消费领域。鼓励银行和非银行金融机构发挥各自特点，加强优势互 补，协同参与促消费活动，促进消费提质升级。 ...

网络助贷行业 丨研究报告 核心摘要： 《2025年中国网络助贷行业研究报告》，以"特殊时期-历史使命-群体价值-未来趋势"为核心脉络，解析 行业发展逻辑。报告指出，数字经济推动下，2025年中国网民达11.2亿，信贷成居民日常，2024年不含房 狭义消费贷余额21.7万亿；互金助贷2024年规模3.5万亿，CR5达76%，以增信、分润为主要模式，风 控、资金获取与获客为核心能力。基于5285人调研，借新还旧与大额消费用户为行业深度客群，需求及信 息敏感度存差异。面对监管新规，24%以上业务利润或降3%-6%，平台需转向24%以下业务或拓展多元金 融服务，为行业合规化发展提供方向。 不可阻挡之势 数字的生产资料属性被夯实，科技无意间开启的社会迭代 根据国家互联网中心的统计数据， 2004 年中国网民总数不足 1 亿，但是截至 2025 年这一数字已经 上升到 11.2 亿。其中 2006 年到 2015 年这十年是网民增长速度最快的十年，也是数字经济在人们 尚未有所反应时，迅速重塑中国社会的十年。改变起始于用户获知信息的方式，深化于社会经济生 活的模式。 金融，作为链接各类型经济主体的线索，也在这场变革中悄然改 ...

智通财经APP获悉，亚马逊(AMZN.US)正筹备在印度推出小企业贷款服务，与此同时，沃尔玛 (WMT.US)旗下的Flipkart则计划推出先买后付(BNPL)产品——这两大电商巨头正通过布局金融产品，正 式向印度本土银行机构发起挑战。 今年早些时候，亚马逊收购了总部位于班加罗尔的非银行放贷机构Axio。目前主营BNPL和个人信贷业 务的Axio将重启小企业信贷服务，并即将推出现金管理解决方案。 印度信贷局CRIF High Mark的数据显示，印度消费信贷市场规模已从2020年3月的近800亿美元增长至 2025年3月的约2120亿美元，不过近几个季度已出现增长放缓迹象。消费信贷包括无抵押个人贷款、信 用卡及耐用消费品贷款等品类。 亚马逊与Flipkart的支付应用均位列印度统一支付接口(UPI)支付平台前十。今年早些时候，印度储备银 行允许两家公司通过全资子公司直接向客户放贷，这一政策不仅为两家公司的金融布局注入强劲动力， 也标志着印度金融服务市场向外资背景科技企业敞开了大门。 Grant Thornton Bharat金融服务风险部门合伙人Rohan Lakhiyar表示："它们有能力在市场中占据一席 ...

（原标题：央行北京分行等12部门，最新发布！） 二、加大重点领域金融支持，挖掘消费潜力 （一）加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和利率，适 当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换新、二手 车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓励金融机 构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式参与商家 促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 （二）促进文旅体育消费提质升级。依托首都作为全国文化中心和国际交往中心的功能定位，深挖历史 文化特色资源，围绕全民阅读、文艺演出、直播探店、非遗传承、乡村文旅、民俗文创等领域和北京消 费季"京彩四季"主题活动，创新融资模式，加大信贷投放力度。更好发挥东城区国家文化与金融合作示 范区的引领示范作用，提升辖内银行文化金融服务能力。充分发挥首都"双奥之城"优势，鼓励金融机构 围绕"赛事+"、冰雪经济等消费场景丰富金融产品，探索开展"门票收益权质押"等融资模式，着力培育 精品赛事体系和赛事运营企 ...

Core Viewpoint - The People's Bank of China and 12 other departments have issued a plan to enhance and expand consumption in Beijing through financial support measures, focusing on bond market financing and consumer credit expansion [1] Group 1: Financial Support Measures - The plan emphasizes increasing financing support in the bond market for eligible enterprises in cultural, tourism, and education sectors [1] - It encourages qualified technology innovation enterprises to raise funds through the bond market to enhance the quality of smart elderly care and smart medical products [1] - Financial debt issuance is supported for eligible consumer finance companies, auto finance companies, and financial leasing companies to broaden funding sources and expand consumer credit [1] Group 2: Consumer Credit Expansion - The initiative promotes the securitization of retail loans, including personal auto loans, consumer loans, and credit card loans, to increase the supply capacity of consumer credit [1] - The goal is to activate existing credit stock and enhance the overall consumer credit environment [1]