● 本报记者 吴杨 在财政贴息与银行利率折扣作用下，年化利率降低，让信用卡分期变得"真香"。中国证券报记者调研发 现，在财政贴息政策背景下，银行信用卡分期市场呈现新动向：在银行端，促销战与服务创新如火如 荼；在监管侧，风险提示与消费者保护同步加强，共同勾勒出消费信贷生态健康发展新图景。 算起"精明账" 一位来自内蒙古自治区的消费者在社交媒体上分享了自己的经历：一笔约12.8万元的信用卡账单分12期 偿还，在享受财政贴息与银行利率折扣后，原本较高的年化利率低了很多。他感叹自己亲身感受到了政 策红利，同时也提醒其他消费者，这项贴息活动将持续至2026年底，每位持卡人在单家银行的补贴有上 限。 一位来自江苏的消费者同样表示，在看到信用卡分期可享财政贴息的消息后，恰逢有银行推出分期手续 费2.1折的优惠活动，便果断选择将上月账单进行分期。 不过，也有消费者对此心存疑虑。一位来自湖北的消费者表示："各种优惠和贴息叠加后，我搞不清信 用卡分期的真实利率了。"这种担忧并不少见，记者以"信用卡""分期"为关键词在黑猫投诉平台搜索， 截至记者发稿时，相关投诉高达5.73万条，其中不乏关于高额分期手续费和循环利息的投诉。对此，一 ...

● 本报记者 李蕴奇 新春佳节之际，孩子们的压岁钱是不少家庭绕不开的话题。多家银行敏锐捕捉到这一热点，在春节期间 推出压岁钱专属产品，积极围绕儿童压岁钱开展营销活动，通过存款利率上浮、赠送权益等方式吸引客 户。专家分析，压岁钱专属产品既可以缓解银行揽储压力，也可通过场景金融，深化客户对银行品牌的 认知，增强客户黏性。 华夏银行App显示，该行"阳光成长计划"为未成年人提供存款专属服务，旗下"月成长龙安3年"产品起存 金额仅50元，年利率达1.75%。华夏银行表示，"阳光成长计划"不止是存款产品，更是有温度的亲子金 融伙伴，该活动旨在让储蓄成为亲子互动的链接。 儿童金融增强客户黏性 对于银行推出的压岁钱专属产品，不少投资者表示很心动。小俊今年13岁，他告诉记者，每年的压岁钱 自己都攒起来，目前已有四万余元。当记者问及是否愿意办理专属银行卡存压岁钱时，小俊高兴地 说："当然愿意，还能挣点利息，反正这笔钱家长平时也不让我花，存起来正合适。"小俊的妈妈李女士 表示，自己对银行推出的压岁钱专属产品很满意，这类产品既可以培养孩子的攒钱习惯，又能提供一定 的利息收入。 业内人士认为，压岁钱专属产品既是银行应对揽储压力的营销 ...

● 本报记者 吴杨 在财政贴息与银行利率折扣作用下，年化利率降低，让信用卡分期变得"真香"。中国证券报记者调研发 现，在财政贴息政策背景下，银行信用卡分期市场呈现新动向：在银行端，促销战与服务创新如火如 荼；在监管侧，风险提示与消费者保护同步加强，共同勾勒出消费信贷生态健康发展新图景。 算起"精明账" 这些活跃的市场行为离不开政策的强力支持。1月20日，财政部相关负责人在新闻发布会上明确，已将 信用卡账单分期业务纳入财政贴息支持范围，已有多家银行积极响应。此外，自去年9月开始实施的个 人消费贷款财政贴息政策，其实施期限将延长至2026年底，每名借款人可享受消费贷款和信用卡贴息的 上限为3000元。 邮储银行研究员娄飞鹏表示，优化个人消费贷款贴息政策，关键在于通过财政精准补贴降低居民信贷成 本，激发消费意愿，进一步打通"收入—消费—信心"循环，助力内需回升。 优化服务 激烈的市场竞争下，银行比拼的不仅是价格，更是服务。春节期间，部分银行的服务模式悄然转变。 在福建福州的水果摊前、蔬菜堆旁、干货店里，都能见到邮储银行福州闽侯马腾支行员工的身影。他们 并非在采购年货，而是在开展"行走的银行"服务。自2011年扎根于 ...

Potomac Bank, Inc., a wholly owned subsidiary of Potomac Bancshares, Inc. (OTCID:PTBS), was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. The Bank conducts operations through its nine-branch network and one loan production office serving the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. The Bank offers comprehensive financial solutions through its consumer and commercial banking divisions, Trust, Wealth, and BCT Investments di ...

Financial giants have made a conspicuous bearish move on Capital One Financial. Our analysis of options history for Capital One Financial (NYSE:COF) revealed 32 unusual trades.Delving into the details, we found 37% of traders were bullish, while 46% showed bearish tendencies. Out of all the trades we spotted, 29 were puts, with a value of $2,276,752, and 3 were calls, valued at $95,300.Projected Price TargetsTaking into account the Volume and Open Interest on these contracts, it appears that whales have bee ...

After The Financial Times reported that JPMorgan Chase (JPM) was negotiating to carry out financial transactions for President Donald Trump's administration's Board of Peace, I believe that the bank's financial results could get a significant boost if it lands the role. Still, with the U.S. currently facing multiple significant macroeconomic challenges at this point, the risk-reward ratio of JPM stock does not appear to be very attractive now. In light of these points, I do not believe that JPM is worth ...

摩根斯坦利提交规模2000亿美元的混合证券暂搁发行注册文件。 来源：滚动播报 ...

Market Overview - Stocks are declining due to President Trump's announcement to increase tariffs from 10% to 15% [1] - Despite short-term volatility, the overall economy is projected to grow at 3% [2] - Earnings growth is expected to be in the low to mid-teens, with a 13% growth in the fourth quarter [3] Investment Opportunities - Down days in the market present good buying opportunities for long-term investors [4] - The technology sector appears oversold, particularly companies in the AI capital expenditure cycle [5] - Small-cap stocks and banks are favored due to their ties to economic growth and positive interest rate spreads [7][8] Company Insights - Nvidia is highlighted as a key holding, with expectations of strong earnings reflecting the AI capex cycle [11] - Google is also positioned well in the AI race, with strong models and cloud infrastructure [12] - JP Morgan is favored for its strong operational execution and is seen as a bet on the overall economy [14][15] Sector Analysis - The financial sector, particularly banks, is expected to benefit from fiscal and potential monetary stimulus [14] - Shopify is viewed positively despite a 25% decline, due to its capabilities in e-commerce and logistics [18] - Gold (GLD) and Bitcoin (IBIT) are both considered long-term investments, with gold currently trading around $5,200 per ounce and Bitcoin above $65,000 [20][22] Market Sentiment - The market is expected to stabilize despite current headwinds from tariffs [28] - A bullish outlook is maintained for the S&P 500, with a target of 8,000 [32]

中国建设银行股份有限公司是一家商业银行。该银行主营业务分为公司银行业务，包括企业存款、企业 信贷、资产托管、企业年金、贸易融资、国际结算、国际融资和增值服务等；个人银行业务，包括个人 储蓄、贷款、银行卡服务、私人银行服务、外汇买卖和黄金买卖等，以及资金业务。该银行在中国国内 及海外市场开展业务。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 证券之星消息，2月23日南向资金增持1590.1万股建设银行（00939.HK）。近5个交易日中，获南向资金 增持的有5天，累计净增持5128.32万股。近20个交易日中，获南向资金增持的有16天，累计净增持2.7亿 股。截至目前，南向资金持有建设银行（00939.HK）347.79亿股，占公司已发行普通股的14.46%。 ...

One basis point is a hundredth of a percentage point. Incremental credit growth in the first 10 months of this fiscal year was Rs 34.5 lakh crore, up 35% over the corresponding period, data published by the RBI in its latest monthly bulletin showed. The gap between bank credit and non-banking sources of credit widened in January over the corresponding period.Live Events "The pickup in credit offtake reflects the impact of the combination of rate cuts by RBI and significant liquidity infusion," said Gaura S ...