招商银行（600036）信用卡于1月15日宣布支持持卡人将招商银行Visa信用卡绑定至 Apple Pay。消费者 可在境外的线下商户、移动 app 或线上网站等多种场景 使用 Apple Pay 进行支付。 作为高效、通用的国际化支付工具，信用卡长期助力中国旅行者在世界各地便捷支付。随着中国旅行者 探索世界的脚步不断加快，同时外国人来华旅游热潮的快速兴起，其作为连接世界的桥梁价值又进一步 升维。在此背景下，以招商银行信用卡为代表的行业头部机构持续推动产品功能优化。此次，招行信用 卡也是境内首批支持将Visa信用卡绑定至Apple Pay的金融机构之一，进一步提升了境外用卡的支付体验 ——简单、安全又私密，更好地满足了持卡人日益多元的消费需求。具体而言： 线上线下，轻松支付 店内支付： 只需连按两下侧边按钮，完成认证后将 iPhone 或 Apple Watch 靠近支持"一拍即付"的受理 设备，即可免接触付款，支付过程中无需打开任何其他App。每一笔 Apple Pay 支付都要使用面容 ID、 触控 ID或设备密码进行安全验证，安全牢牢掌握在自己手中。App内或网页支付： 消费者还可在 iPhone和iP ...

美联储褐皮书显示经济增速回升且就业持稳，美国11月零售增长超预期，PPI环比小幅加速。日本首相将很快宣布提前 大选，财相对日元发出干预警告。中国要求企业停止使用部分美国和以色列的网络安全产品。 隔夜要点 · 美国股市周三收低，纳指领跌，科技股走软，因投资者转向更具防御性的板块；银行股在部分银行公布喜忧参半的 季度业绩后延续近期跌势。美国公债收益率下跌，此前公布了显示消费者健康状况和通胀的数据，同时投资者在等待 最高法院就特朗普总统关税的合法性作出裁决，且中东地区的地缘政治紧张局势也在加剧。日圆兑美元从18个月低点 反弹，因日本官员警告称可能会采取干预措施来支撑日圆。油价收高，市场担忧伊朗供应中断。金价创下纪录新高， 白银也随之上涨，地缘政治和经济不确定性推动投资者转向避险资产，与此同时，美联储降息预期进一步增强了黄金 上涨的动能。 | 股市指数 | 收报 | 日变动% | 年初至今变动% | | --- | --- | --- | --- | | 纳斯达克指数 | 23471.75 | (1.00) | 0.99 | | 标普500指数 | 6926.60 | (0.53) | 1.18 | | 道琼斯工业均 ...

网贷行业的治理风暴尚未平息。 "有地方城农商行被要求自3月开始全面叫停助贷业务""有助贷平台月度放款规模从巅峰时期的超170亿元下降至不足30亿元""大厂导流的客群质量明显下 降，让接入的资金方严重亏损，即便是免费的流量，资金方也不愿意要了"……这样惊人的变化正在持续上演。 资金追着优质资产跑，腰部平台主动收缩，尾部助贷平台岌岌可危，这些现状背后，不仅是监管部门引导下资金端规模压降的核心表现，也是当次级客群的 信用风险暴露、放款利率上限被锁死、资产方收紧业务规模的理性选择，更是助贷新规落地后带来的市场出清的必然结果。 混沌但有希望，这是受访业内人士在采访中针对当前的助贷市场给出的答复。"如果能慢慢跑出一条路，和银行、消金公司拉开差异，还是有不少助贷平台 能活下去的。"该业内人士指出。助贷，正在寻找新的生存之道。 集体收紧 有地区城农商行助贷业务"一刀切" 从市场动向来看，伴随着新的监管要求和利率压降带来的市场变化，当前银行、信托、消费金融等持牌机构正在集体收紧助贷合作门槛。犹如分水岭一般 的"白名单"制度之下，助贷平台的资金供给也呈现了明显的两极分化特征。 "国有股份制银行中，已有多家银行的各地分行收到监管部 ...

Core Viewpoint - Visa has become the first international card organization to support Apple Pay card binding for Chinese cardholders, enhancing the convenience of cross-border payments [3]. Group 1: Impact on Cross-Border Payments - The integration allows for easier offline payments, enabling Chinese consumers to make contactless payments abroad by simply double-clicking the side button on their iPhone or Apple Watch [4]. - For mobile and online payments, consumers can use Apple Pay in foreign apps or websites without needing to create accounts or repeatedly enter personal information [4]. - Visa cardholders will continue to enjoy the same rewards and benefits as with physical cards, along with exclusive offers for first-time binding and travel-related scenarios [4]. Group 2: Card Binding Process - Cardholders can add their Visa cards to Apple Wallet without manually entering card numbers, either through the bank's app or directly via Apple Wallet [5]. - Some banks already support instant issuance of Visa cards and immediate binding for immediate use [5]. Group 3: Payment Tokenization Service - Visa has increased investment in data and payment security, launching a tokenization service that enhances security for cross-border transactions [6]. - Tokenization removes sensitive information during online or mobile shopping, reducing fraud risk and data breaches [6]. - Since December 2016, all financial institutions in China have been required to implement payment tokenization technology [6]. Group 4: Security Measures - When adding a Visa card to Apple Pay, the actual card number is not stored on the device or Apple's servers; instead, a unique device account number is generated and securely stored [10]. - In case of device loss, Visa can immediately disable the digital account number stored on the device [10]. - The Apple Secure Element is designed to securely store payment information, enhancing the overall security of the payment process [11]. Group 5: Market Position and Future Developments - Visa has been promoting the application of payment tokenization for over a decade, with over 50% of e-commerce transactions in its global ecosystem now utilizing this technology [8]. - Visa aims to achieve 100% payment tokenization, having prevented $1.1 billion in fraud losses in the fiscal year 2025 [8]. - Visa's payment network spans over 220 countries and regions, connecting approximately 175 million merchants and serving over 4.9 billion cardholders [11].

Core Viewpoint - Starting from January 15, China Bank Visa credit card holders can use Apple Pay for convenient payments at overseas merchants, mobile apps, and online websites, marking a significant step in expanding digital payment ecosystems and cross-border financial services [1] Group 1: Payment Features - In-store payments can be completed by double-clicking the side button on an iPhone or Apple Watch, allowing for contactless transactions with a unique dynamic security code generated for each transaction [2] - Online payments on iPhone and iPad using Apple Pay eliminate the need to repeatedly enter card numbers and addresses, streamlining the checkout process [2] Group 2: Security and Privacy - Apple Pay prioritizes security and privacy, with actual card numbers not stored on devices or Apple servers. Instead, a unique Device Account Number is generated and securely stored in the device's Secure Element [3] Group 3: Card Setup and Integration - Users can easily add their China Bank Visa credit card to Apple Wallet by opening the iPhone Wallet app and following prompts, or directly through the China Bank app [4] Group 4: Promotional Offers - From January 15 to March 31, 2026, users who successfully bind Apple Pay and meet conditions for overseas spending may receive a cashback of 100% on the transaction amount, applicable to travel, study abroad, and daily cross-border consumption [5] - Additional benefits such as first-time binding offers and transportation scene discounts can be accessed through the Visa "V享臻选" WeChat mini-program [6]

证 券 研 究 报 告 中信银行（601998）2025 年业绩快报点评 推荐（维持） 营收增速拐点向上，资产质量稳中向好 目标价：10.58 元/9.70 港元 事项： 1 月 14 日晚，中信银行披露 25 年业绩快报，预计 2025 全年实现营业收入 2124.75 亿元，同比降幅收窄至-0.5%（1-3Q25 为-3.5%）；营业利润 836.74 亿 元，同比增长 3.4%（1-3Q25 为 4.7%）；归属于上市公司股东的净利润 706.18 亿元，同比增长 3.0%（1-3Q25 为 3.0%）。不良率环比略降 1bp 至 1.15%，拨 备覆盖率环比下降 0.6pct 至 203.6%。 评论： [ReportFinancialIndex] 主要财务指标 | | 2024 | 2025E | 2026E | 2027E | | --- | --- | --- | --- | --- | | 营业总收入(百万) | 213,646 | 212,396 | 220,228 | 232,734 | | 同比增速(%) | 3.76% | -0.59% | 3.69% | 5.68% | | 归母净利 ...

Core Viewpoint - The Governor of the Bank of Japan, Kazuo Ueda, reiterated that the bank will consider raising interest rates based on improvements in economic and inflation conditions if its outlook is realized [1] Group 1 - Ueda made these remarks during a brief speech at a New Year meeting hosted by a regional bank association in Tokyo [1] - He indicated that wages and inflation are likely to continue to rise gradually [1]

摩根大通发表报告指，中信银行2025年全年净利润按年增长3%，符合该行预期，但较市场预高出2%。 其中，第四季净利润按年增长3%，但营业利润增长9%，分别较该行和市场预期的第四季估计高出5%和 2%，带来惊喜。摩通预计中信银行2026年营收增速将转正，全年利润增长保持稳定，重申对其H股"增 持"评级，目标价8.85港元。目前中信银行H股交易于预测2026年于0.45倍市账率，对应9.1%的ROE以及 5.9%的股息率，估值仍处于相对吸引水平。 ...

科技金融的高质量发展，离不开强有力的顶层设计与系统性支撑。民生银行以国家战略为根本遵循，将科技金融纳入全行战略重点，通过资源倾斜、政策支 持与机制创新，为做好科技金融服务筑牢根基。 编者按：科技赋能产业，金融激活创新。2025 年 9 月，在广东省人工智能与机器人产业创新发展工作领导小组办公室、广东省科技厅、中国人民银行广东 省分行的指导下，民生银行广州分行携手南方财经全媒体集团、广东基金业协会联合发起 "广东省人工智能与机器人产业投融资大调研"，联动专业智库与 投资机构深入产业链一线摸排科创企业融资难点，并快速匹配金融服务，这也是该行践行科技金融战略的生动实践和具体缩影。近年来，民生银行广州分行 以全周期金融服务赋能湾区科创，用专业力量为新质生产力培育注入动能，助力科创蓝图落地生根。 本篇是 "科创湾区 民生同行——民生银行广州分行全周期赋能科技创新深调研" 首篇。 南方财经记者 庞成 中央金融工作会议明确将科技金融列为"五篇大文章"首位，为金融服务科技创新锚定了战略方向。民生银行坚决贯彻国家战略部署，将科技金融提升至全行 核心战略高度，通过顶层设计优化、体系机制创新与区域实践深化，逐步构建起独具特色的科技 ...

海关总署数据显示，2025年12月出口规模大超预期，创下月度出口的历史最高纪录，进口规模亦为2022 年以来的高点。中国 民生银行首席经济学家温彬表示，往后看，外部环境好转对出口形成有力支撑， 高基数是主要的扰动因素。2025出口创下历史新高，高基数会在一定程度上拖累2026年出口的同比增 速。我们判断出口规模仍会维持在较高水平，增速小幅上行。 ...