一年一度的消费旺季"双11"已经启幕，作为支付端的重要参与者银行也早早下场，推出支付返现、分期福利、专属折扣券等优惠活动。 业内人士认为，银行凭借差异化福利策略旨在抢占"双11"消费红利，在实现业务价值与用户价值提升的双重突破的同时，进一步强化长期客户黏性；对于 银行卡持卡人来说，福利真实存在，有助于促进消费，带动消费热情。 银行"撒钱补贴" 据不完全统计，今年"双11"期间，中国银行、交通银行、平安银行、招商银行、南京银行等多家大中小银行纷纷推出相应的促销活动。 10月20日，中国银行信用卡宣布即日起启动"惠聚中行日"双11淘宝天猫支付宝支付满1000元随机减5—20元活动。活动期间，客户在淘宝、天猫消费，支 付时通过"支付宝支付—选择中国银行信用卡"完成在线支付，有机会享受单笔订单支付金额满1000元随机减5—20元优惠，单笔订单优惠封顶20元。 招商银行推出"砸金蛋天天返现"活动，10月10日至11月15日，参与者至高可得1111元消费返现券。首绑京东支付，可得至高128元京东支付券包加33元京 东外卖券；单笔支付188元，可得至高88元京东专用消费返现券。首绑抖音支付，可得至高168元抖音支付券包加5 ...

Core Viewpoint - The annual "Double Eleven" shopping festival has prompted banks to actively participate by launching various promotional activities to boost consumer spending and capture market share during this peak consumption period [1][11]. Group 1: Bank Promotions - Banks are offering diverse credit card promotions, including "full reduction" discounts on specified e-commerce platforms, allowing users to save hundreds of yuan when meeting spending thresholds [2]. - China Bank has introduced a "Installment Enjoy Discount" campaign in collaboration with over ten platforms, providing discounts based on spending thresholds, with potential savings of up to 200 yuan for orders over 5000 yuan [2][3]. - Huishang Bank is offering a "full reduction" promotion on Taobao with discounts up to 400 yuan, while China Bank's savings card users can participate in a "daily discount" event with varying reductions based on spending [3]. Group 2: Consumer Finance Companies - Consumer finance companies are also enhancing their offerings, with Jianxin Consumer Finance focusing on home appliances and green consumption, providing interest-free benefits on selected products [4]. - Zhaolian Consumer Finance has partnered with China Unicom to offer "zero interest" installment plans for mobile purchases, allowing consumers to benefit from multiple discounts, potentially saving up to 1100 yuan [4]. Group 3: Market Trends - The banking sector's aggressive push into consumer loans is driven by the sluggish recovery of the real estate market, leading banks to seek alternative revenue streams [5][6]. - Continuous interest rate cuts, with the one-year LPR at 3% and five-year LPR at 3.5%, have created favorable conditions for consumer lending, reducing borrowing costs for consumers [7][8]. Group 4: Policy Support - The Ministry of Commerce and other departments have issued policies to stimulate service consumption, emphasizing financial support for consumer loans and encouraging banks to innovate financial products tailored to service consumption [10]. - The banks' promotional activities during the "Double Eleven" season align with these policy measures, aiming to lower consumer costs and stimulate spending [11].

Group 1 - The annual "Double Eleven" shopping festival has prompted banks to actively participate in consumer promotions, launching various exclusive activities for credit and debit cardholders to capture market share and stimulate business growth [1][3][4] - Banks are offering diverse credit card promotions, including direct discounts and interest-free installment plans for large purchases, effectively alleviating short-term payment pressures for consumers [3][4] - China Bank has introduced a "Installment Enjoy Discount" campaign, providing discounts for credit card users on multiple e-commerce platforms, with specific reductions based on purchase amounts [3][4] Group 2 - On the debit card front, China Bank has partnered with Alipay to launch the "11.11 Daily Discount" campaign, which includes a pre-sale and promotional period with varying discount thresholds [4] - China Merchants Bank has initiated a "Daily Cashback" activity for debit card users, offering cashback opportunities and additional benefits for new cardholders [4] - The consumer finance sector is also active, with companies like Jianxin Consumer Finance providing multiple subsidies for green and smart home appliances, enhancing consumer incentives [5] Group 3 - Analysts indicate that banks are focusing on consumer loans to compensate for the decline in housing loans, as the real estate market is still recovering and consumer confidence in housing purchases remains low [7] - The continuous reduction in interest rates, with the LPR at historical lows, is seen as a catalyst for stimulating consumer loans and enhancing market activity [7][8] - Recent government policies aimed at boosting service consumption have encouraged financial institutions to expand credit offerings in the consumer sector, aligning with the banks' promotional efforts during the "Double Eleven" season [9][10]

Core Insights - The annual "Double Eleven" shopping festival has prompted banks to launch various promotional activities to boost consumer spending and capture market share [1][10] - Banks are offering tailored discounts and incentives for credit and debit card users, aiming to stimulate business growth during the shopping season [1][10] Group 1: Bank Promotions - Banks are introducing diverse credit card offers, including "full reduction" discounts and interest-free installment plans for high-value purchases [1][2] - China Bank's "Installment Enjoy Discount" campaign provides tiered discounts based on purchase amounts on platforms like Taobao and JD [2] - Huishang Bank's promotion offers discounts up to 400 yuan for purchases on mobile Taobao, valid until November 20 [3] Group 2: Consumer Loan Expansion - Banks are actively expanding consumer loan services to compensate for declining housing loan growth, as the real estate market is still recovering [5] - The continuous reduction in interest rates, including the LPR remaining at historical lows, is facilitating the growth of consumer loans [6][7] Group 3: Policy Support - The Ministry of Commerce and other departments have issued measures to promote service consumption, including financial support for consumer loans [9][10] - The policies encourage financial institutions to innovate products tailored to service consumption needs, combining government subsidies with financial support and merchant discounts [9][10]

本报记者 彭 妍 随着各大平台开启"双11"电商购物节大促，消费市场热度持续攀升。在此背景下，多家银行近期同步开 启花式促销模式，发力"双11"消费季，其中信用卡与储蓄卡业务成为银行拉动用户消费、抢占市场份额 的核心发力点。 受访人士认为，银行此次聚焦信用卡与储蓄卡发力"双11"，既是对消费市场需求的快速响应，也是自身 零售业务竞争的体现。 借助流量效应营销 "双11"期间，多家银行聚焦储蓄卡与信用卡营销，推出支付优惠、分期福利、积分奖励等活动，精准满 足用户购物需求。 其中，信用卡端优惠聚焦用户核心需求：部分银行在指定电商平台推出"满减直降"，用户使用该行信用 卡支付达标，最高可享数百元立减；另有银行针对家电、数码、家居等大额消费品类，推出"分期免 息"政策，有效缓解短期支付压力。 以平安银行信用卡为例，今年"双11"其以"三省"为核心打造优惠活动，覆盖淘宝、天猫、微信等主流平 台，贯穿消费前、中、后全周期，真正实现"支付即优惠"。值得关注的是，该行还创新推出"淘宝、天 猫国补分期返红包"活动，将国家补贴与信用卡分期优惠结合，形成"政策+金融"双重赋能，让消费者在 享受国补的基础上再获分期红包，进一步释放政 ...

以平安银行信用卡为例，今年"双11"其以"三省"为核心打造优惠活动，覆盖淘宝、天猫、微信等主流平 台，贯穿消费前、中、后全周期，真正实现"支付即优惠"。值得关注的是，该行还创新推出"淘宝、天 猫国补分期返红包"活动，将国家补贴与信用卡分期优惠结合，形成"政策+金融"双重赋能，让消费者在 享受国补的基础上再获分期红包，进一步释放政策红利。 储蓄卡端"双11"促销亮点突出：多家银行推出"支付返现""专属折扣券"等福利，部分银行还进一步联动 线下商超与线上生活服务平台，打造"线上线下联动优惠"——用户使用储蓄卡消费，既能享受立减、折 扣等价格优惠，还可参与抽奖活动，赢取购物卡、数码产品等礼品。例如，中国银行联合支付宝推 出"11.11天天减"活动，分预热期与大促期，用户报名后单笔消费达标，即可享0.2元至11.11元随机立 减，两大阶段分别最多可连续享受5日、7日优惠。 据梳理，农业银行、交通银行、邮储银行、招商银行、南京银行、奉化农商银行、瑞安农商银行等多家 机构，在此次"双11"也纷纷推出了信用卡或储蓄卡相关的促销活动。 "流量"转化到"留量" 苏商银行特约研究员薛洪言对《证券日报》记者分析称，银行在"双11" ...

随着电商平台"双11"备战进入冲刺期，银行业也已悄悄加入这场消费季"战局"。10月20日，北京商报记 者梳理发现，从中国银行（601988）、建设银行（601939）等国有大行，到苏州银行（002966）、贵阳 银行（601997）等地方机构，多家银行近期集体上线"双11"专属活动，不仅覆盖储蓄卡、信用卡持卡人 群，还联合支付宝、京东、淘宝等多平台细化优惠规则，在消费旺季抢占市场份额的同时，更试图为业 务增长注入新动能。 储蓄卡、信用卡折扣不停 "'双11'已是全年最大线上消费节点，银行推出满减、返现等活动，既能换取客户绑卡量和交易活跃 度，也能借节日窗口唤醒睡眠客户。"中国企业资本联盟副理事长柏文喜表示，在"扩内需、促消费"政 策导向与消费信贷利率走低的背景下，银行更需通过这类营销快速获客冲量，抢占消费场景入口。 营销背后何以增长 热闹优惠的背后，是银行卡业务从"跑马圈地"到"精耕细作"的转型现实。 人民银行数据显示，截至2025年二季度末，全国银行卡开立总量达100.68亿张，较2024年同期增长2.09 亿张。分类型看，借记卡从91.10亿张增至93.54亿张，延续稳健增长；信用卡和借贷合一卡则从7.4 ...

近日，农行济南历下支行营业部迎来了一批特殊的客人——来自山东政法学院的五位外国留学生，他们 分别来自泰国、越南、俄罗斯等国家。为满足在华留学期间的日常金融需求，他们来到农行济南历下支 行营业部，希望办理用于日常生活开销、学费缴纳等用途的银行卡。 业务办理完成后，留学生们对农行济南历下支行营业部高效、专业且贴心的服务表达了由衷的感谢。他 们表示，初到中国，在办理金融业务时难免有些担忧和困惑，但农行工作人员的热情帮助让他们感受到 了温暖，也对未来在中国的留学生活更加充满信心。 大堂经理小班敏锐地察觉到留学生们的需求，第一时间用流利的英语上前询问并热情接待。考虑到留学 生们可能对开卡流程存在疑惑，小班递上精心准备的中英文版个人开户表单，并以清晰易懂的语言详细 解释外国人简易开户流程，耐心解答他们提出的每一个问题，确保每位留学生都能充分理解。 农行济南历下支行营业部始终秉持"客户至上，始终如一"的服务理念，积极响应国家政策，致力于为境 外来华人员提供便捷、高效的金融服务。 在大堂经理小班的指导下，留学生们顺利完成开卡资料的填写。随后，柜台工作人员仔细核对留学生们 的护照原件等相关信息，经过高效的流程处理，成功为五位留 ...

Core Viewpoint - The expiration of savings cards does not equate to account cancellation or fund freezing, ensuring the safety of user funds [2][3] Group 1: Account and Fund Safety - Expired savings cards do not affect the status of the account or the safety of funds, allowing users to continue accessing their deposits and investment services [2] - The expiration serves as a mechanism for banks to identify and manage inactive accounts, optimizing operational efficiency and resource allocation [3] Group 2: Inconveniences of Expired Cards - Expired cards can disrupt daily transactions, such as point-of-sale purchases and ATM withdrawals, as well as interrupt automatic payment services [3] - The specific limitations imposed by expired cards may vary by bank, depending on their management rules [3] Group 3: Card Replacement Process - Users are advised to monitor the expiration date on their cards and replace them promptly to avoid payment disruptions [5] - Major banks offer convenient card replacement services, including online applications and local branch support, ensuring a seamless transition to new cards [6] - Community banks are encouraged to enhance local services, such as mobile service units and home visits for elderly clients, to facilitate card replacement [6]

Group 1 - The core issue highlighted is the inconvenience caused to users when their debit cards expire, leading to failed transactions and potential disruptions in various banking services [1][2] - Expired debit cards do not affect the status of the bank account or the safety of funds, allowing users to continue with deposits and investment activities without concern [1][2] - Banks implement expiration dates on debit cards to identify and manage dormant accounts, which helps in controlling management costs and optimizing system resources [2] Group 2 - Users are advised to pay attention to the expiration dates of their debit cards and to replace them promptly to avoid payment interruptions [2] - Banks offer convenient card replacement services, with large banks providing extensive coverage and support for card replacement even in different locations [2] - Regional banks are encouraged to leverage their local presence by notifying customers in advance about card expirations and offering personalized services, such as home visits for card replacement [2]