2025年底至2026年初，国内金融市场出现一个显著现象：多家村镇银行、农信社密集宣布关闭借记卡境 外交易功能，安平惠民村镇银行、阳光村镇银行、公主岭华兴村镇银行等均在其中。 官方披露的核心原因直指境外盗刷风险，这一举措引发市场对中小银行跨境金融业务的广泛讨论。与此 同时，浦发银行等大型银行信用卡盗刷警报频发，进一步凸显跨境金融业务的风险隐患。然而，中小银 行"想退出容易"但要想再"进场"境外交易将不再是那么容易的事了…… 境外交易功能"瘦身"， 中小银行主动卸下跨境业务"包袱" 截至2026年1月13日，根据巴伦中文网统计，已有至少10家中小银行明确宣布关闭借记卡境外交易功 能，另有多家银行采取了限制性措施。从机构类型来看，以村镇银行为绝对主力，同时涵盖部分农信社 和城商行；从地域分布来看，涉及吉林、河北、湖北、广东、湖南等多个省份，呈现出全国范围内的分 散性集中特征。 具体来看，明确关闭境外交易功能的村镇银行包括：安平惠民村镇银行、公主岭华兴村镇银行、前郭县 阳光村镇银行、桦甸惠民村镇银行、五华惠民村镇银行、文安县惠民村镇银行、清远清新惠民村镇银 行、扶余惠民村镇银行、荆门东宝惠民村镇银行等。 此外，湖南 ...

Core Viewpoint - The Guangzhou government has announced a plan to support the research and launch of electricity futures, aiming to fill the gap in domestic energy derivatives and provide risk management tools for renewable energy companies and electricity users [1][2]. Group 1: Electricity Futures Development - The plan emphasizes the exploration of launching electricity futures, which is currently a missing product in the domestic futures market, responding to long-standing industry calls for such instruments to support electricity market reforms and green energy trading needs [1][2]. - The introduction of electricity futures is seen as a significant complement to the development of China's electricity market, with international markets like the CME and ICE already utilizing such products to hedge against price volatility [2]. Group 2: New Energy Futures - The implementation plan also proposes the exploration of additional new energy futures products, potentially covering wind, solar, energy storage, and key raw materials, indicating a broader strategy to enhance the futures market in the Nansha area [2][3]. Group 3: Commodity Futures Delivery Center - The plan includes support for establishing a commodity futures delivery center in Nansha, which will enhance delivery efficiency, reduce logistics costs, and promote the development of related services such as warehousing and supply chain finance [3]. - The delivery system is crucial for transmitting futures price signals to the spot market, thereby strengthening market operations [3]. Group 4: Cross-Border Financial Services - The plan aims to facilitate higher-level cross-border financial services in Nansha, including exemptions for foreign financial professionals from certain exams and simplified registration processes, which will enhance the region's strategic position in the Guangdong-Hong Kong-Macao Greater Bay Area [4]. - The implementation of these measures is expected to break down institutional barriers for cross-border financial talent and capital flow, further integrating Nansha into the financial landscape of the Greater Bay Area [4].