2025.09. 16 （注：我们会对线索进行核实。您的隐私将严格保密。） 推荐阅读 身在新西兰却收到巴西消费入账提醒，浦发信用卡遭境外集中盗刷 他指出，美国一边针对委内瑞拉人民，一边庇护那些向委输送爆炸物的敌人，在此情况下，委无法与 任何国家建立正常关系。卡韦略强调，委内瑞拉依靠自身力量实现发展，绝不依附美国，"这种行径 无法阻挡我们，我们将继续全力守护祖国，这正是我们持续开展大量演习训练和实践演练的根本原 因。" 美国总统特朗普9月2日在其社交平台"真实社交"上发文称，美军在南加勒比海袭击了一艘"从委内瑞 拉出发的运毒船"，造成11人死亡。委内瑞拉谴责美方挑衅行为。随后，委内瑞拉政府13日证实， 一艘美国驱逐舰12日非法截停一艘在委内瑞拉专属经济区海域开展正常捕捞作业的委内瑞拉渔船， 并扣押该船长达8个小时。事件发生后，拉美多国领导人和组织纷纷谴责该行为。 微信编辑 | 七三 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 迎 提 供 。 专 用 邮 箱 ： bianjibu@yicai.com ...

微信编辑 | 七三 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 迎 提 供 。 专 用 邮 箱 ： bianjibu@yicai.com 2025.09. 16 本文字数：193，阅读时长大约1分钟 据" 中国海警 "微信公众号消息， 9月16日，中国海警依法对位黄岩岛领海非法活动的多艘菲律宾 公务船采取管制措施。 推荐阅读 身在新西兰却收到巴西消费入账提醒，浦发信用卡遭境外集中盗刷 浦发银行 SPDBANK p （注：我们会对线索进行核实。您的隐私将严格保密。） ...

2025.09. 15 本文字数：2788，阅读时长大约5分钟 作者 | 第一财经 后歆桐 本周，全球市场将再迎"央行超级周"。除美联储外，日本央行、加拿大央行和英国央行也将相继公布利率 决议。 日本、英国、加拿大央行会怎么做？ 日本央行也将在9月19日公布利率决定，市场普遍预期其将维持当前0.5%的利率水平不变。稍早，日本 与美国的贸易协议终于尘埃落定。随着协议的签署，日本央行官员越来越坚信，虽然关税带来冲击，但还 不至于把日本经济拖入衰退，通胀也有望继续维持在2%目标位附近。投资者更多将关注日本央行的货币 政策声明、经济展望报告以及日本央行行长植田和男的新闻发布会，以判断今年稍晚是否会有加息动作。 但此次会议前，日本首相石破茂宣布辞职，让原本就复杂的经济环境又蒙上政治不确定性。由于市场预计 高市早苗将继任，并在货币和财政政策上都偏向更加宽松、扩张，日本央行10月加息预期已然下降。上 个月的媒体调查显示，近三分之二受访经济学家押注日本央行会在第四季度再加息25个基点，但目前这 一比例已悄然下滑。 美联储会"大幅降息"吗？ 美联储将于9月16~17日召开货币政策会议。近期公布的数据显示，8月美国消费者物价指数 ...

Core Viewpoint - The arrival of the summer consumption peak signals a more intense economic wave, with the summer season serving as a crucial time for releasing domestic demand through various consumption scenarios such as heat avoidance, family interaction, and travel [1] Group 1: Consumer Experience and Offerings - The company has launched a new "66 Life - Cultural Tourism Ticketing" section on its mobile financial platform, providing a one-stop service for cardholders to enjoy diverse cultural tourism experiences [1] - Cardholders can purchase tickets for various attractions, performances, and amusement parks through the section, with the option to use "66 Life Consumption Coupons" for payment discounts [1][2] - The company has expanded its consumer benefits, allowing cardholders to purchase discounted items such as coffee, video memberships, and charging service vouchers through the app [1] Group 2: Cultural Integration and Promotions - The company has introduced the Dunhuang Cultural Theme Credit Card, merging traditional cultural charm with modern inclusive finance, offering more choices for summer cultural tourism consumption [4] - New cardholders can receive gifts by making three transactions in a month and can also claim a 72 yuan benefits package by binding to WeChat and Alipay and completing a qualifying transaction [4] Group 3: Market Potential and Consumer Insights - The company aims to leverage high-quality financial services to enhance the summer experience for cardholders, believing that it will unlock greater potential in the summer consumption market [5] - By deeply understanding consumer needs, the company plans to create diverse financial rewards, making inclusive finance more accessible and experiential [5]

Group 1 - The Dragon Boat Festival serves as an important cultural heritage and a significant driver for domestic demand, with innovative consumption scenarios and supportive policies enhancing the consumption landscape [1][3] - During the Dragon Boat Festival, SPDB Credit Card leverages the holiday to stimulate economic activity by offering various services and promotions through its financial platform [1][3] - The SPDB Credit Card app, "浦大喜奔," provides personalized customer experiences, including a points redemption program for mobile phone top-ups and random rewards for app check-ins [1][2] Group 2 - The app also features regional activities that enhance the holiday experience, allowing users to book visits to iconic locations like the SPDB headquarters and access local discounts and offers [2] - SPDB Credit Card is focused on personalized product offerings to meet the cultural and tourism consumption needs of cardholders, including cashback rewards at luxury hotels [2] - The economic impact of the Dragon Boat Festival is significant, with a focus on enhancing service consumption and expanding cultural and tourism spending [3]

Core Viewpoint - In 2025, China's economy is at a critical juncture of consumption-driven transformation, with expanding domestic demand and stabilizing growth as core policy goals. The credit card business, as a "main force" in consumer finance, plays a vital role in activating consumption potential [1][3]. Group 1: Market Dynamics - The credit card market has shifted from a "land grab" development model to a more sustainable approach as the market nears saturation. The focus is now on scenario-based and digital strategies to break through the constraints of existing business models [1][7]. - As of the end of 2024, the total number of credit cards and combined lending cards reached 727 million, a decrease of 5.14% year-on-year, indicating a trend of market saturation [7]. Group 2: Marketing Strategies - Credit card issuers are increasingly launching diverse marketing activities during peak consumption seasons, such as traditional holidays and e-commerce shopping festivals, to stimulate consumer enthusiasm [3][4]. - Recent promotional activities include significant cashback offers and discounts for cardholders during events like Mother's Day, showcasing the integration of credit cards into the consumer ecosystem [3][4]. Group 3: Product Innovation - Credit cards are evolving to meet changing consumer demands, expanding into new areas such as health, education, and pet care, while also enhancing integration with various consumption scenarios [4][5]. - Innovations in credit card products are focusing on green finance and digital services, utilizing big data and AI to provide personalized financial services [5][10]. Group 4: Competitive Strategies - To address market saturation, banks are raising quick payment limits and offering installment payment discounts to stimulate consumer spending and extend payment cycles [7][8]. - Recent competitive moves include significant interest rate reductions for installment loans, with promotional rates as low as 2.76% for 12-month plans, aimed at encouraging larger purchases [8]. Group 5: Future Outlook - The credit card industry is expected to continue its growth trajectory by deepening scenario-based and digital transformations, aligning with government initiatives to boost consumption [9][10]. - The integration of advanced technologies such as big data, AI, and blockchain will be crucial for enhancing customer insights, risk management, and product innovation [10][11].

Core Viewpoint - The article emphasizes the importance of consumer confidence and spending in driving economic growth, highlighting various initiatives and events in Shanghai aimed at boosting consumption and enhancing the consumer experience [1][2][6]. Group 1: Consumer Initiatives - The "2025 Shanghai International Auto Show" and the "2025 Shanghai International Coffee Culture Festival" are set to enhance consumer engagement and showcase technological innovation [1]. - The "Sixth Shanghai 'Five-Five Shopping Festival'" runs from late April to late June, featuring a dual approach of "policy + activities" to stimulate consumption [1]. - The "Five-Five Shopping Festival" includes over 1,000 unique events across the city, integrating commerce with culture, tourism, and sports to create new consumption scenarios [4]. Group 2: Financial Tools and Support - The "Consumption Promotion Special Action Plan" includes measures to optimize services for the elderly and children, promote life services, and support the replacement of consumer goods [2]. - Shanghai's "Five-Five Shopping Festival" features the most extensive consumer subsidy policies to date, covering a wide range of products and services [2]. - SPDB Credit Card has launched a "National Subsidy" section in collaboration with JD.com and China Mobile, offering a combined "installment discount + interest-free" financial solution [2]. Group 3: Consumer Engagement Strategies - SPDB Credit Card has introduced a tiered discount program for travel bookings through platforms like Ctrip and Qunar, significantly reducing travel costs and enhancing service consumption [3]. - The "Monthly Spend Rewards" program encourages frequent small purchases, creating a positive feedback loop for consumer engagement [5]. - SPDB Credit Card's digital tools simplify user participation in promotional activities, enhancing the overall consumer experience and reducing barriers to engagement [7]. Group 4: Cross-Border Consumption - Shanghai is positioning itself as a global consumption destination, with policies enhancing inbound tourism and cross-border shopping experiences [6]. - SPDB Credit Card offers incentives for overseas spending, including cashback and interest-free installment options, catering to the needs of outbound travelers [6].

你能想象吗？激活信用卡才一个多月，账单里就多出一笔60元的权益扣款，而卡主连这项服务是什么都不知道。近日，有多位持卡人投诉浦发信用卡"乱扣 费"，甚至有人被扣费五年以上才意外知晓。 01 隐形扣费惹怒多位持卡人 "浦发信用卡让我不知不觉订阅了一个我从来用不到的玩转全球季包服务"，吴燕吐槽。 2024年11月，为办理购车贷款，吴燕向浦发银行申办了信用卡。收到卡片后，她在当月14日激活。一个多月后，因为一次退款吴燕去查账，却意外发现浦 发信用卡在12月14日给她扣了60元，账单显示是玩转全球的季度扣费。 随后，吴燕致电浦发信用卡客服询问扣费问题时，却被告知玩转全球是她本人开通的。对于浦发信用卡的答复，吴燕并不认可，"这不可能，我甚至都不知 道玩转全球是什么东西。" 在浦发信用官网查询发现，玩转全球是一项主打减免取现手续费的增值服务。吴燕吐槽，"我用信用卡十几年，很久没有取现了，这项服务对我来说一点用 都没有，我没有动力也没有理由去开通。按照银行客服的说法，就是我本人订阅了我根本不会用到的东西。离不离谱？" 文｜极速财讯 浦发信用卡在正式扣费前未与持卡人进行确认，这种流程是否合规？北京市京师（通州）律师事务所金融投 ...