南方财经21世纪经济报道记者郑青亭、实习生陈俊康 北京报道 尽管面临全球经济放缓和成本高企的挑战，欧洲旅游业依然展现出强劲韧性，正积极推动客源市场多元 化与高质量增长。 欧洲旅游委员会（ETC）首席执行官兼执行董事爱德华多·桑坦德（Eduardo Santander）近日在接受21世 纪经济报道专访时表示，欧洲将持续作为全球首要旅游目的地，而中国游客将在其中扮演关键角色。 近日，中国工商银行与欧洲旅游委员会、万事网联联合发布工银万事达欧洲旅行联名信用卡，为跨境出 行人士提供便利、高效、安全的支付服务。该卡支持人民币及欧元、英镑、瑞士法郎等10种外币直接支 付。持卡者可享有免收外汇兑换手续费、欧洲消费返现及境外取现补贴等金融权益。 在活动间隙，桑坦德接受21世纪经济报道记者专访时指出，欧洲旅游业复苏态势稳定，但更注重"有责 任的增长"。他强调，欧洲不追求游客数量的简单回升，而是希望吸引"重视体验、感到安全与被关照的 游客"。对于2026年中国赴欧市场能否恢复至疫情前水平，他认为增长将更侧重于品质提升。 据介绍，疫情后，中国游客行为模式显著变化：大规模团队游减少，自由行与小团游成为主流；旅行偏 好从城市转向自然户 ...

Core Viewpoint - The article discusses the strategic return of Zhang Wenjie as the President of Citigroup China, emphasizing the importance of a dual perspective gained from extensive experience in both local and foreign banks, and the need to adapt to new market changes while maintaining the bank's core values and commitments to China [2][5]. Group 1: Strategic Focus and Market Position - Citigroup's unique positioning in the Chinese financial ecosystem is attributed to its unparalleled global network and unified cross-border service capabilities, serving both multinational corporations operating in China and assisting Chinese enterprises in their global expansion [6][8]. - The bank has identified new characteristics in the outbound expansion of Chinese enterprises, with a shift from state-owned enterprises to private companies in sectors like technology and advanced manufacturing [7]. - Citigroup has facilitated over 100 Chinese companies in accessing international capital markets over the past decade, with a total financing scale of $100 billion [7]. Group 2: Future Plans and Resource Allocation - In the next three to five years, Citigroup plans to focus its resources on advanced manufacturing, technological modernization, and AI, aligning with China's policy directions [8]. - The bank aims to enhance its coverage in key trade corridors, including ASEAN, Latin America, and the Middle East, while providing tailored solutions to meet local demands [8]. Group 3: Commitment to Growth and Risk Management - Citigroup emphasizes "responsible growth" by prioritizing long-term partnerships with clients over short-term transactions, maintaining a focus on the right clients and transactions [14]. - The bank's core competitive advantage lies in its efficient and unified cross-border financial service capabilities, which are essential for both Chinese enterprises going global and international capital entering China [14]. Group 4: Leadership Philosophy and Talent Development - The leadership philosophy at Citigroup is centered around a customer-first approach, ensuring that all decisions are made with the clients' best interests in mind [15]. - The bank places significant importance on local talent development, with a strong emphasis on training programs to build a robust talent pipeline [16].