2025年第四季本地信用卡签帐总额共65亿元，按季增加3.5%；当中现金透支为1亿5千万元，相当于签 帐总额的2.3%。信用卡签帐笔数为1,398万宗，按季上升6.4%。期内包括利息及费用在内的还款总额减 少1.6%至63亿元。此外，不包括现金提取的扣帐卡签帐总额按季增加9.4%至5亿2千万元，签帐笔数上 升11.1%至194万宗。 信用卡授信及拖欠 至2025年底，由澳门银行批核的信用卡信用总额为509亿元，按季增加0.7%。信用卡应收帐款总额为28 亿元；当中转期帐款金额为7亿8千万元，相等于期末应收帐款总额的27.7%。此外，以逾期超过三个月 的拖欠账款比对应收帐款总额来量度的拖欠比率，由2025年9月底的2.7%下跌至2.5%。 支付卡签帐及还款 智通财经APP获悉，澳门金融管理局2月13日发布的统计数据显示，2025年第四季澳门本地移动支付工 具的交易笔数及金额均按季增加。同时，期内信用卡及扣帐卡签帐总额均按季录得升幅。 移动支付 本地移动支付工具于2025年第四季的交易总额为89亿元(澳门元，下同)，按季上升5.4%；交易笔数增加 7.4%至1亿4百万宗，每笔交易的平均金额为85.4元。截至202 ...

Core Insights - The article emphasizes the importance of safeguarding the financial interests of the public through proactive measures by the bank [1][2] - The bank's initiative includes educating merchants about common financial frauds and providing them with tools to enhance their financial security [1][2] Group 1: Financial Security Awareness - The bank conducted a campaign titled "Protecting the People's Wallets," focusing on educating local merchants about financial safety [1] - Staff visited various merchants in the Tike Road business district, discussing prevalent financial scams such as fake orders and QR code swapping [1] - Merchants expressed concern over the risks associated with seemingly normal transactions after the educational sessions [1] Group 2: Financial Products and Services - The bank introduced its diverse range of financial products and services, including mobile payment tools and personalized financial management solutions [2] - The aim is to support merchants in their business development while ensuring a secure financial environment [2] - The bank plans to continue its outreach efforts, enhancing communication with merchants and residents to foster a stable financial ecosystem [2]

Core Viewpoint - The article discusses the ongoing relevance of cash in society despite the rise of mobile payment tools, emphasizing the importance of keeping cash on hand for various practical reasons. Group 1: Reasons to Keep Cash - Cash can address emergencies, such as natural disasters that may disrupt power and internet services, allowing individuals to purchase essential goods [5][6] - Having cash helps control spending, as it provides a tangible way to manage finances and encourages more mindful consumption [8][10] - Cash transactions protect consumer privacy, as they do not leave a digital footprint, unlike mobile payment methods [10][11] - Cash is still necessary for social interactions and cultural practices, such as giving cash gifts during celebrations, which are often more meaningful than digital transfers [11][13] Group 2: Recommendations - It is advised to keep a cash reserve of 50,000 yuan at home starting from August to ensure a more secure and stable lifestyle [3][11]