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Group 1 - The article highlights a promotional campaign by China Construction Bank in collaboration with China Resources, offering discounts on various products and services through the Dragon Card credit card [5][8]. - The promotion includes a tiered discount structure, where customers can receive up to 66 yuan off on purchases over 300 yuan, and up to 166 yuan off on purchases over 2000 yuan, applicable on specific days of the week [6][5]. - The campaign runs from June 25, 2025, to December 31, 2025, encouraging customers to engage with popular shopping districts [5].

Core Viewpoint - The report highlights the performance of China Construction Bank's credit card business, showcasing significant growth in card issuance, loan balances, and consumer spending, while also emphasizing the bank's strategic initiatives to stimulate consumption and support economic recovery [1][3][6]. Credit Card Business Overview - As of June 30, 2025, China Construction Bank issued a total of 129 million credit cards, serving 103 million customers [1]. - The bank's domestic credit card loan balance reached 1.05 trillion yuan, maintaining a leading position in the industry, with a retail loan proportion of 12% [3]. - The credit card utilization rate stood at 47% [3]. Consumer Spending - In the first half of 2025, the total transaction volume for credit card spending was 1.30 trillion yuan [6]. Retail Loan Structure and Performance - By June 30, 2025, the bank's total personal customer base was 777 million, with personal financial assets exceeding 22.04 trillion yuan [10]. - Domestic personal deposits amounted to 17.63 trillion yuan, reflecting an increase of 1.39 trillion yuan or 8.57% from the previous year [10]. - The bank's domestic personal loans and advances reached 9.10 trillion yuan, up by 231.77 billion yuan or 2.61% [10]. Strategic Initiatives - The bank has launched various consumer-oriented campaigns, such as the "Dragon Card Credit Card 66 Festival," focusing on popular consumption areas like dining, entertainment, and shopping [9]. - The "Jianxing Life" platform has registered 166 million users, facilitating over 140 billion yuan in personal loans, and contributing to a significant boost in consumer spending [11]. Loan Quality and Financial Performance - As of June 30, 2025, the non-performing loan ratio for domestic loans and advances was 1.31%, consistent with the previous year [13]. - The bank's total operating income for the first half of 2025 was 394.27 billion yuan, with a profit of 182.44 billion yuan [14].

Core Viewpoint - The article promotes a referral program by China Construction Bank, offering rewards for customers who successfully refer new credit card applicants during the specified promotional period [4][10]. Group 1: Promotion Details - The referral program runs from June 20, 2025, to August 31, 2025 [4][10]. - Referrers can earn up to 6,300 yuan in rewards for successfully referring new customers [6][10]. - New customers must not have held a China Construction Bank credit card for at least six months prior to the referral [10][12]. Group 2: Participation Process - Referrers must sign up for the program and generate a referral poster to share with potential new customers [10][13]. - New customers must apply for the credit card through the referral link or QR code and complete a transaction by September 10, 2025, to validate the referral [10][14]. - Rewards for referrers are contingent upon the new customer meeting the application and transaction requirements [10][14]. Group 3: Reward Structure - Each successful referral results in a reward, including a 180 yuan discount package from JD.com [11][12]. - The program emphasizes the importance of matching identity information for both referrers and new customers to ensure reward eligibility [14].

Group 1 - The article discusses various promotional activities by China Construction Bank (CCB) aimed at enhancing customer engagement through discounts and rewards during specific periods [2][5][6][9]. - CCB is offering a "Douyin Payment Rewards" campaign where customers can receive up to 5 yuan in discounts through participation in the mobile banking app [2]. - A promotion for WeChat transfers is available, where customers can receive a maximum of 1 yuan in WeChat discount money for transfers over 3888 yuan during August 2025 [5]. - CCB is providing a 50% discount on public transport fares and special offers on Alipay vouchers during the promotional period from July to September 2025 [6]. - New cardholders can receive up to 353 yuan in benefits, including various discount vouchers and cash rewards upon binding their cards for the first time [7]. Group 2 - The bank is promoting a "Spend and Earn" program where customers can accumulate points for every transaction made through WeChat Pay, with a cap of 10,000 points per month [9]. - Customers can also benefit from exclusive Alipay privileges, earning up to 30,000 points per month through specific spending thresholds [11][13]. - A utility bill payment promotion allows customers to receive WeChat discount money for payments over 30 yuan, with rewards ranging from 2 to 5 yuan [17].

Core Viewpoint - The article discusses various promotional activities and benefits offered by a financial institution, focusing on discounts and rewards for users engaging in digital payment methods. Group 1: Promotional Activities - The "惠省钱" campaign offers discounts starting from 0.99 yuan for digital currency payments, encouraging users to participate in the promotion [3] - A promotional event from July 1 to September 30, 2025, allows users to receive a 5 yuan discount through a mobile banking app when participating in the "抖音支付有礼" activity [4] - Users making a WeChat transfer of at least 3888 yuan can enter a monthly draw for rewards, including WeChat discount cash [5] Group 2: User Incentives - New users binding their bank card can receive up to 353 yuan in benefits, including various discount vouchers and cash rewards [6] - Users can earn up to 10,000 comprehensive points monthly by using a specific credit card for WeChat payments, with each 1 yuan spent earning 1 point [7] - A special program allows users to earn additional points through Alipay, with a potential to receive up to 30,000 points in a month if certain spending thresholds are met [12]

Core Viewpoint - The China Construction Bank Credit Card Center actively participates in the "National Anti-Fraud Action" campaign, emphasizing the importance of fraud prevention as a fundamental responsibility and integrating it into new financial practices [1] Group 1: Risk Prevention and Control - The bank leverages financial technology to enhance its risk prevention system, focusing on a comprehensive monitoring framework that includes pre-detection, real-time interception, and post-analysis of gambling and fraud risks [2] - The bank has improved its monitoring models to adapt to new trends and methods in fraud, significantly increasing the foresight and precision of its prevention efforts [2] - Collaboration with law enforcement is emphasized to effectively freeze suspicious funds and manage accounts under judicial control, fostering a robust anti-fraud financial defense [2] Group 2: Public Awareness and Education - The bank utilizes new media platforms to disseminate anti-fraud information, sharing warnings and educational content to raise public awareness [3] - Engaging in community outreach, the bank conducts targeted educational campaigns in various settings, including neighborhoods and businesses, to inform vulnerable groups about common fraud schemes [4] - The bank's initiatives include creating accessible educational materials and interactive activities to enhance understanding of financial safety among the public [4] Group 3: Commitment to Financial Security - The bank views anti-fraud efforts as a lifelong commitment to safeguarding financial security and protecting public interests, aligning with its responsibilities as a state-owned enterprise [4] - The bank aims to continuously improve its technological capabilities in fraud prevention and education, collaborating with various sectors to strengthen the financial ecosystem [4]

Core Viewpoint - The article promotes various credit card reward programs offered by China Construction Bank, highlighting opportunities for customers to earn significant points through specific spending activities during the promotional period from July to December 2025 [5][14]. Group 1: Promotional Activities - Activity 1: Customers who register and spend at least 6,000 yuan in domestic transactions during July to December 2025 will receive a reward of 5,666 comprehensive points [5]. - Activity 2: From April 1 to December 31, 2025, customers using Alipay with a designated China Construction Bank credit card can earn 1 point for every 1 yuan spent, with a maximum bonus of 10,000 points per month, and an additional 20,000 points for reaching a total of 20,000 yuan in monthly spending [10]. - Activity 3: From July 1 to December 31, 2025, customers can earn 1 point for every 1 yuan spent through WeChat Pay, with a cap of 10,000 points per month [12]. - Activity 4: Customers invited to participate can earn 1,666 comprehensive points for spending at least 1,500 yuan in domestic transactions during July to December 2025, with additional rewards for meeting spending thresholds multiple times [14].

Group 1 - The core idea of the article is to promote a summer discount campaign by Ctrip, encouraging users to plan their travel and take advantage of the offers available through the Ctrip app [2][3]. Group 2 - The campaign offers discounts based on the amount spent: a discount of 25 yuan for purchases over 500 yuan, 100 yuan for over 2000 yuan, and 350 yuan for over 7000 yuan [6][7]. - The campaign is available to users who hold a specific type of credit card (62-starting Dragon Card) and register as members on the Ctrip app [6][7]. - The total number of discounts available is limited: at least 5550 for the 25 yuan discount, 3750 for the 100 yuan discount, and 1800 for the 350 yuan discount, with the discounts allocated on a first-come, first-served basis [6][7].