据公开信息，此前担任交通银行信用卡中心党委副书记、总经理韩冬已于2025年末调任该行宁波分行。 今年1月29日，宁波金融监管局发布《关于韩冬交通银行股份有限公司宁波分行行长任职资格的批 复》，正式核准韩冬交通银行宁波分行行长的任职资格。 交通银行2025年半年报显示，截至报告期末，该行境内行信用卡透支余额5325.82亿元，在册卡量 6009.85万张；报告期内，信用卡累计消费额10966亿元。 北京商报讯（记者 孟凡霞 周义力）2月3日，北京商报记者获悉，交通银行信用卡中心迎来人事调整。 交通银行浙江省分行副行长贺波将接任总行信用卡中心总经理一职，其任职资格尚待监管部门批复。 公开信息显示，贺波，曾任交通银行总行个人金融业务部高级经理、副总经理，2022年10月起获批交通 银行浙江省分行副行长。2019年至2022年，贺波还担任交银理财非执行董事。 ...

Core Viewpoint - The China Construction Bank's Pacific Credit Card Center is undergoing significant restructuring, leading to the closure of numerous local branches as part of a shift towards a branch-based operational model for credit card services [1][7][15]. Group 1: Closure of Branches - The Sichuan Financial Regulatory Bureau has approved the termination of operations for the Chengdu branch of the China Construction Bank's Pacific Credit Card Center, effective December 26, 2025 [1][12]. - The bank has closed a total of 59 local branches since the second half of 2024, affecting 31 provincial-level administrative regions and municipalities [1][13]. - Recent closures include the Xi'an branch, which was approved for termination on December 17, 2025, and the Taiyuan branch on November 13, 2025 [1][12]. Group 2: Business Model Shift - The bank's management has indicated that the closures are part of a broader reform of its credit card business model, transitioning from a centralized management approach to a branch-based operational model [8][9][15]. - This change aims to better meet the diverse financial needs of customers and adapt to the evolving landscape of credit card services [9][15]. - The credit card business will now be integrated into retail banking operations, providing a more comprehensive financial service to local customers [9][15]. Group 3: Decline in Credit Card Volume - The number of credit cards issued by the bank has seen a significant decline, with the total number of active cards dropping to 63.01 million by the end of 2024, down from 71.32 million in 2023, representing an 11.66% decrease [10][16]. - This decline reflects a broader trend in the bank's credit card operations, which has faced challenges in maintaining its customer base [10][16].

Core Viewpoint - Consumption is identified as the main engine driving economic growth and is crucial for facilitating domestic circulation. The Bank of Communications is actively implementing measures to boost consumption through various promotional activities [1] Group 1: Financial Support for Consumption - The People's Bank of China and six other departments have issued guidelines to enhance financial support for key consumption areas, encouraging innovation in financial products tailored to consumption scenarios [2] - The Bank of Communications has launched the "Hundred Counties and Ten Thousand Stores" initiative, targeting county markets to improve financial service accessibility [2] Group 2: Three-Tiered Consumption Activation - The Bank of Communications has established a three-tier upgrade system focusing on basic, improved, and new consumption to stimulate county-level consumer activity [3] - For basic consumption, the bank is creating a network of inclusive services that integrates high-frequency consumption scenarios like dining and home services [3] - To enhance improved consumption, the bank is leveraging government subsidies and credit card advantages to meet the demand for quality upgrades in appliances, home decor, and automobiles [3] - The bank is fostering new consumption through a dual empowerment system combining digital and scenario-based approaches, utilizing the "Buy Now" app and various promotional events [3] Group 3: Local Economic Revitalization - In regions like Yiwu, local businesses embodying cultural heritage are becoming key consumer attractions, supported by the bank's initiatives [4] - The "Cultural Tourism + Consumption" strategy is revitalizing local merchants, allowing residents to enjoy affordable local cuisine while accessing financial services [4] - The bank aims to continue stimulating consumption through events like "Most Popular Friday" and "Year-End Celebration," while enhancing its network of inclusive services [4]

Group 1 - The core viewpoint emphasizes that consumption is the intrinsic driving force of economic growth, with finance being a key support to boost consumption and unleash domestic demand potential [1] - The People's Bank of China and six other departments released guidelines to support consumption, introducing 19 key measures to better meet financial service needs in the consumption sector [1] - The Henan branch of the Bank of Communications actively implements national and provincial consumption promotion policies, leveraging credit card products to inject strong financial momentum into the Central Plains consumption market [1] Group 2 - The Bank of Communications Henan branch supports the "old for new" consumption initiative through payment discounts and online services, launching a dedicated service area in its mobile banking app [2] - The "old for new" campaign has achieved 170,000 transactions and over 600 million yuan in consumption, showcasing the role of credit cards in boosting consumption [2] Group 3 - The bank focuses on cultivating brand consumption clusters and enhancing the county commercial system, establishing 35 credit card preferential business circles across 12 cities in Henan [3] - A special initiative called "Hundred Counties, Ten Thousand Stores to Benefit the People" was launched to promote consumption in county areas, creating a multi-party win-win consumption financial ecosystem [3] Group 4 - The bank actively responds to the call for strengthening cultural tourism in Henan, creating themed tourism activities and collaborating with multiple 5A scenic spots to build a comprehensive consumption ecosystem [4] - The initiative has benefited over 50,000 customers, exploring a new model of "finance + cultural tourism" cooperation [4] Group 5 - The "Most Red Friday" event has been upgraded to deepen its brand connotation of "benefiting people's livelihood and promoting consumption," introducing new features for customer engagement [5] - The bank continues to play a significant role in promoting local economic development and ensuring people's livelihoods, with plans to optimize products and services further [5]

Core Insights - The consumption market during the National Day holiday has shown significant growth, becoming a key driver of economic expansion. The Bank of Communications (交通银行) has actively implemented measures to enhance service consumption and provide benefits to customers during this period [1][5]. Group 1: Consumer Engagement Initiatives - The Bank of Communications launched a "October Carnival Enjoy Gifts" campaign to stimulate consumer spending during the holiday, resulting in increased customer engagement and spending [2]. - Customers can participate in a consumption ranking activity with rewards ranging from 50 to 1000 yuan based on their spending levels, effectively motivating them to spend more during the holiday [2]. - The bank also introduced a lottery system where customers can earn chances to win prizes with single transactions over 68 yuan, further encouraging participation in various consumption scenarios [2]. Group 2: Points and Rewards System - The bank enhanced its points redemption system, allowing customers to use points for discounts on entertainment subscriptions and purchases of electronics, aligning with the peak season for new product launches [3]. - Customers can enjoy up to 90% points redemption on single orders and up to 20% on electronics purchases, making it more attractive for them to shop during the holiday [3]. - The adjustment of the points accumulation rules to include daily mobile payments aims to create a positive cycle of consumption and rewards, increasing the usage of the bank's credit cards [3]. Group 3: Expanding Financial Services - The "Hundred Counties, Ten Thousand Stores" initiative aims to broaden the reach of inclusive financial services, focusing on high-frequency consumption areas during the holiday [4]. - The bank partnered with local restaurants and retail brands to offer discounts for family gatherings and promoted financing options for large purchases, responding to consumer needs during the holiday [4]. - The initiative also includes special offers for new customers, enhancing the convenience and satisfaction of holiday shopping experiences [4]. Group 4: Future Outlook - The bank plans to continue enhancing its financial services and consumer engagement strategies as major shopping events like "Double Eleven" approach, focusing on customer needs and innovative financial solutions [5]. - The ongoing commitment to integrating financial services with emerging consumption trends aims to stimulate consumer potential and contribute to high-quality economic development [5].

Core Insights - The article highlights the importance of county-level economies as key areas for expanding domestic demand and promoting consumption, particularly through the "Hundred Counties, Ten Thousand Stores for People's Livelihood" initiative launched by Bank of Communications credit cards [2][3]. Group 1: Consumer Engagement and Benefits - The "Hundred Counties, Ten Thousand Stores for People's Livelihood" initiative focuses on enhancing consumer experience by offering diverse benefits, including discounts and special offers in various sectors such as dining, supermarkets, and home appliances [3][6]. - The initiative aims to activate consumer potential by providing substantial discounts and flexible payment options, such as "installment discounts + interest subsidies," particularly for large purchases [3][6]. - New users are incentivized with exclusive benefits, including immediate discounts and purchase coupons, which lower the barriers for trying new financial services [3][6]. Group 2: Cultural and Economic Integration - The initiative also promotes the integration of local cultural heritage and consumption, exemplified by the collaboration with local businesses like the "Chicken Feather Exchange for Sugar" in Yiwu, enhancing the cultural vibrancy of county economies [4][6]. - The program supports the revitalization of traditional businesses, contributing to the economic dynamism of counties by merging cultural elements with modern consumption [4][6]. Group 3: Financial Services Expansion - The initiative extends the bank's financial services by integrating various retail banking products, including debit cards and social security cards, to provide comprehensive financial solutions [6][7]. - The program addresses the "last mile" challenge in financial services, ensuring that credit cards serve as a vital link between the bank and the community, facilitating efficient access to financial services [7]. - The focus on consumer education and protection enhances financial literacy and security awareness among county residents, promoting a dual effect of benefits and consumer rights [6][7]. Group 4: Economic Impact and Responsibility - The article emphasizes the role of the initiative in stimulating county-level consumption and enhancing the overall economic vitality, aligning with national goals for economic circulation [7]. - The collaboration among various stakeholders, including local governments and businesses, creates a synergistic effect that fosters a thriving commercial ecosystem in counties [7].

Core Insights - The government aims to boost consumption and improve investment efficiency as part of a strategy to expand domestic demand, with financial institutions playing a key role in supporting consumer spending [1] Group 1: Financial Support for Consumption - The People's Bank of China and six other departments issued guidelines to enhance financial services for consumption, outlining 19 key measures to promote consumer spending [1] - Financial resources are being directed towards key consumption sectors such as wholesale retail, accommodation, dining, entertainment, tourism, education, and resident services, signaling a recovery in the consumer market [1] Group 2: "Most Red Friday" Campaign - The "Most Red Friday" campaign by Bank of Communications has been a staple for 15 years, evolving into a weekend consumption ritual for customers [2] - The campaign has been upgraded to include a "Direct Access" feature, allowing cardholders to participate in exclusive offers and promotions, enhancing the consumer experience [2][3] - The campaign effectively covers high-frequency consumption scenarios like takeout, commuting, dining, and fuel, making discounts easily accessible [3] Group 3: "Hundred Counties, Ten Thousand Stores" Initiative - The initiative targets third and fourth-tier cities, aiming to stimulate consumption by providing financial services and reducing costs for residents [5] - The program has reached nearly 100 counties, focusing on small, frequent purchases and creating a year-round discount ecosystem across various sectors [5] - The initiative also supports trade-in and discount activities for high-quality products, aligning with national consumption promotion policies [5][6] Group 4: Localized Marketing Strategies - The Sichuan branch of Bank of Communications has established dedicated points in key commercial areas, offering new customers immediate benefits and discounts [6] - The bank's efforts in local markets aim to enhance consumer experience and provide tangible financial benefits, reinforcing its role in promoting consumption and improving living standards [6]

Core Viewpoint - The article emphasizes the strategic deployment of expanding domestic demand through consumption and investment efficiency, highlighting the role of financial institutions in promoting consumption and improving residents' quality of life [1][8]. Financial Support for Consumption - In June, the People's Bank of China and six departments issued guidelines to support consumption, outlining 19 key measures to enhance financial services in the consumption sector [1]. - The focus is on key consumption areas such as wholesale retail, accommodation, dining, entertainment, tourism, education, and resident services, signaling a recovery in the consumption market [1]. "Most Red Friday" Campaign - The "Most Red Friday" campaign by Bank of Communications has been a marketing initiative for 15 years, becoming a ritual for weekend consumption since 2010 [2]. - The campaign has been upgraded to include a "Direct Access" feature, allowing cardholders to participate in exclusive offers and promotions every Friday, enhancing customer engagement [2][3]. "Hundred Counties, Ten Thousand Stores" Initiative - The "Hundred Counties, Ten Thousand Stores" initiative targets third and fourth-tier cities, aiming to stimulate local consumption and reduce costs for residents [5]. - The initiative has reached nearly 100 counties, providing a one-stop discount chain for essential consumer goods and services, thus supporting the upgrade of consumption in these areas [5][6]. Digital Ecosystem and Differentiated Services - The Bank of Communications is leveraging digital ecosystems and differentiated services to enhance its role in promoting consumption and expanding the financial ecosystem [8]. - The bank's efforts are aimed at activating consumer credit and meeting diverse customer needs across different regions [8].

Group 1 - The core viewpoint of the news is the launch of the "Hundred Counties and Ten Thousand Stores Benefit the People" initiative by the Bank of Communications in Shandong, aimed at stimulating consumption and enhancing the county economy in response to national policies to boost domestic demand in 2024 [1][2] - The initiative focuses on enriching consumption scenarios by addressing the core needs of county residents, particularly in dining, entertainment, and shopping, ensuring that discounts are easily accessible [1] - The Bank of Communications is collaborating with 11 county business circles to implement consumer-friendly measures, enhancing the vibrancy of the county economy [1] Group 2 - The Bank of Communications is introducing various promotional measures such as consumption discounts and installment reductions to effectively activate consumer spending, catering to the diverse and high-quality demands of county residents [2] - The initiative leverages the "Most Red Friday" brand to create a one-stop discount chain for key county business circles, enhancing consumer attraction with daily special offers across multiple sectors [2] - The program aims to inject lasting momentum into local economic development while ensuring that the benefits of consumer initiatives reach households [2][3]

Core Insights - The "Hundred Counties and Ten Thousand Stores Benefit the People" initiative by Bank of Communications in Shandong aims to stimulate consumption and enhance the vitality of the county economy [1][5][6] - The 2024 Central Economic Work Conference emphasizes boosting consumption and expanding domestic demand as a top priority, with a focus on developing the county economy and promoting cultural tourism [1][5] Group 1: Consumption Promotion Strategies - The initiative focuses on enhancing high-frequency consumption scenarios related to residents' core needs such as food, entertainment, and shopping, ensuring that discounts are easily accessible [3][5] - Various promotional measures, including consumption discounts and installment payment reductions, are being implemented to meet the diverse and high-quality consumption demands of county residents [5][6] - The program leverages the "Most Red Friday" brand to create a one-stop discount chain targeting key commercial areas and essential merchants, increasing attractiveness [5] Group 2: Financial Services and Economic Impact - The initiative aims to activate county consumption and provide lasting economic momentum by integrating government, banking, and enterprise efforts [5][6] - Bank of Communications in Shandong is committed to enhancing financial services to support consumption and economic growth, ensuring that benefits reach households [6] - The program includes special offers for new credit card users, significantly lowering the entry barrier for card usage and attracting new customers [5]