11月19日至21日，由深圳市人民政府主办的第十九届深圳国际金融博览会（以下简称"金博会"）在深圳会展中心（福田）9号馆启幕。本届展会以"产业金融 新高地，科创赋能向未来"为主题，围绕金融"五篇大文章"核心主线聚焦"科技—产业—金融"高水平循环，展览面积达1.5万平方米，吸引全球多个国家和地 区288家机构及企业参展，设置产业金融、金融科技、跨境金融等九大特色主题展区，成为展现深圳金融改革创新成果、链接全球金融资源的重要窗口。 作为中信银行信用卡业务全国总部，中信银行信用卡中心自2002年在深筹建、2008年正式注册以来，始终扎根深圳金融创新沃土，构建起覆盖全国的信用卡 业务运营体系。截至2025年上半年，累计发卡量突破1.26亿张，实现效益、质量、规模协同发展，此次亮相持牌金融展区，携科技金融、绿色金融、普惠金 融、养老金融、数字金融五大领域实践成果，以"让财富有温度"为品牌内核，通过场景化展示、互动体验、专人讲解等形式，全景呈现服务实体经济、惠及 民生消费的创新实践。 科技与数字金融成果以安全为核心，进一步夯实服务根基，现场重点呈现"银联 - Visa 双标磁条卡芯片化升级"成果，升级后的芯片卡兼容境内外 ...

Core Insights - The event centers around the initiative "A Beautiful Future, Start Early," aiming to create a financial ecosystem encompassing "health, work, entertainment, and love" to help the public proactively plan for a better future [2] - The backdrop of this initiative is China's profound demographic and social transformation, with a focus on the "silver economy" and intergenerational integration, emphasizing consumption and promoting domestic circulation as national strategic priorities [2] - The bank's approach to "early planning" reflects a positive response to policies, innovative exploration in the industry, and a commitment to the long-term interests of users [2] Group 1 - The bank integrates cross-industry resources to build a diverse consumption ecosystem, closely linking financial products with life planning practices [2] - The "Future Letter" event coincides with the launch of innovative financial services by the bank's credit card division in collaboration with JD MALL, providing a one-stop financial consumption experience [3] - Consumers using the bank's credit card at JD MALL in Nanjing can enjoy various benefits, including interest-free installments and discounts, enhancing the attractiveness of the bank's services [3] Group 2 - The JD MALL store in Nanjing has achieved deep integration of online and offline channels, allowing consumers to enjoy the same products and prices as online while providing flexible shopping options [3] - During the Double Eleven shopping festival, consumers can experience products in-store before making online purchases, benefiting from additional national subsidies and exclusive store discounts [3] - The bank's collaboration with JD MALL aims to lower the barriers for large purchases and empower consumption upgrades through various promotional offers [3]

Group 1 - The core viewpoint of the articles highlights a significant reduction in credit card benefits across various banks, driven by cost pressures and a shift in the banking industry's strategy towards high-value customers [1][3][4] - The changes in benefits have led to customer dissatisfaction, with many users expressing their frustration on social media and even canceling their cards [5][6] - The credit card market is entering a phase of stock competition, with many banks experiencing negative growth in card issuance and a decline in transaction volumes [4][6] Group 2 - Banks are facing cost pressures due to narrowing interest margins, declining transaction amounts, and rising customer acquisition costs, prompting a need for efficiency [3][4] - The reduction in benefits is seen as a short-term cost-cutting measure, but it risks losing high-net-worth customers who are sensitive to service quality [5][6] - To retain high-value clients, banks are encouraged to offer personalized services and higher-yield products, moving away from traditional benefits [6][7] Group 3 - The industry is transitioning towards "data-driven services and scenario-based benefits," with banks innovating through co-branded cards and tailored offerings to enhance customer loyalty [7][8] - By leveraging big data, banks can provide customized products and services, increasing credit card usage frequency and overall customer satisfaction [8]