常熟农商银行生意贷产品
一、产品介绍
指本行向贷款所在地的私营企业主、个体工商户、个体经营者、种养殖户和家庭作坊户等发放的用于生产经营所需资金的贷款业务。
二、产品特色
1、简：申请门槛低，手续简便，担保方式多样；
2、快：最快1个工作日办理；
3、多：贷款额度最高可达500万；
4、好：一对一上门服务，贷款期限最长可达10年；
5、省：按需使用，自主还款更灵活。
三、所需资料
1、借款人身份证、户口簿，已婚的还应提供结婚证、配偶身份证原件和复印件；
2、工商营业执照、经营许可证、租赁协议等证明资料；
3、贷款相关用途材料。
四、办理流程
1、免费快捷申请；
2、一对一上门服务；
3、成功获得贷款；
4、关注“FreeStar小微金融”微信公众号，体验更多小微服务。
江阴农商银行金贷通产品
产品介绍 >
专为国家机关、事业单位及认定单位的正式在职职工发放的，用于生活消费支出或从事贸易、生产经营等资金需求的个人信用贷款业务。
适用对象 >
国家机关、事业单位及认定单位的正式在职职工。
产品特点 >
纯信用：免抵押、免担保，手续简单，快速放款。
额度高：额度一般为借款人年收入2倍，最高可达200万。
期限长：最长可达2年。
还款活：随借随还，循环使用，按实际使用金额计息。
效率快：资料齐全，当日审批。
江阴农商银行2019年第九期大额存单发行公告
根据中国人民银行《大额存单管理暂行办法》（中国人民银行公告〔2015〕第13号），我行于2019年7月1日至2019年7月31日发行2019年第九期大额存单。
本期单位大额存单业务发行渠道为我行各营业网点柜面，个人大额存单业务发行渠道为各营业网点柜面、个人手机银行，个人大额存单发行总额为9亿元，期限为1个月、3个月、6个月、9个月、1年、2年、3年，年利率分别为1.705%、1.705%、2.015%、2.245%、2.325%、3.255%、4.2625%，认购起点金额为20万元，递增金额为人民币1万元，到期后不自动转存；单位大额存单发行总额为17亿元，期限为1个月、3个月、6个月、1年、2年、3年，年利率分别为1.705%、1.705%、2.015%、2.28%、3.19%、4.18%，认购起点金额为1000万元，递增金额为人民币100万元，到期后不自动转存。
大额存单属一般性存款，到期一次还本付息，可提前支取，提前支取按支取日我行活期存款挂牌利率计息。大额存单签约、解约及变更等事项，个人可持本人有效身份证件和存款凭证至任意营业网点办理；单位凭法人代表有效身份证件至账户开户行办理，如代理人办理，还需提供授权委托书及授权代理人有效身份证件。
如果您对以上内容有疑问，敬请垂询我行各营业网点或拨打客户服务电话96078。
特此公告。
江苏江阴农村商业银行股份有限公司
2019年6月28日
利率下降通常对银行的抵押贷款业务有利，但有时也不尽然。
抵押贷款服务权价值是银行抵押贷款业务的关键部分。第二季度利率下降对抵押贷款服务权价值造成冲击，拖累了富国银行(Wells Fargo & Co. ,WFC)、摩根大通公司(JPMorgan Chase & Co. ,JPM)和其他贷款机构原本强劲的住房贷款业务。
抵押贷款服务包括对住房贷款收取还款和履行其他管理职责，但利率下降时，这些抵押贷款的服务权价值通常会下降。
富国银行说，第二季度抵押贷款服务权的价值为121亿美元，较第一季度末下降9%。富国银行是抵押贷款服务权第一大行。该业务第二大银行摩根大通表示，第二季度抵押贷款服务权价值下降15%至51亿美元。
利率下降通常会刺激借款人申请住房贷款或进行再融资，但上述变动显示出利率下降的另一面。联邦住房贷款抵押公司(Freddie Mac, 简称：房地美)数据显示，第二季度末，30年期固定抵押贷款平均利率为3.73%，低于第二季度初的4.08%。经过几年加息后，美国联邦储备委员会（简称：美联储）已经暗示准备降息，这转而会降低抵押贷款和其他债务的借贷成本。
不过，尽管较低的利率可能刺激抵押贷款的发放，但通常会损害服务权的账面价值。这是因为较低的利率使房主更有可能为抵押贷款进行再融资，或以其他方式提前还清贷款，这意味着服务方失去了这一未来收入的来源。
这可能是一项单调乏味的业务，但对许多贷款机构来说却很重要。贷款机构可为自己发放的抵押贷款提供服务，也可购买其他贷款机构发放的抵押贷款的服务权。对于一些机构来说，这样做可以产生稳定的收入。举例来说，Citizens Financial Group Inc.去年收购了一家贷款机构，其服务的抵押贷款规模随之增加了一倍，使得抵押贷款银行业务收入猛增。
在上周发布的第二财季业绩报告中，银行披露这些资产的价值大幅下降。为抵押贷款服务交易提供咨询的SitusAMC董事总经理Mark Garland说，迄今为止公布业绩的银行抵押贷款服务权益业务的公允价值普遍缩水7%至10%。
抵押贷款服务业务的下降速度让许多高管措手不及。
标普全球评级(S&P Global Ratings)信贷分析师Stephen Lynch表示：“当利率朝着一个方向稳步而不是快速变动时，抵押贷款公司表现最好。”Lynch称：“我们肯定看到了错乱。”
银行通常使用衍生品来防范其服务权价值的波动，这种做法被称为对冲。但当利率快速下降时，这种做法就会变得更加困难。一些贷款机构透露，他们的对冲操作反而让自己手足无措。Garland表示，这是一个很难展开对冲的季度。
当银行提供抵押贷款服务时，他们可抽取贷款还款的一小部分。许多银行接受这项工作是因为可借此与借款人建立联系，并设法向他们销售其他银行产品，同时还能获得收入。
根据行业研究机构Inside Mortgage Finance 3月底的数据，银行为大约3.6万亿美元的抵押贷款提供服务，这些抵押贷款被打包成房利美或联邦住房贷款抵押公司(Freddie Mac, 简称：房地美)的证券，或者出售给其他投资者。
随着抵押贷款利率触及多年高点，买卖服务权去年成为一项热门交易。此类交易已随今年利率的下降冷却下来。根据Inside Mortgage Finance的数据，在第一季度利率下降的情况下，房利美、房地美和美国政府国民抵押贷款协会(Ginnie Mae)易手的服务权价值为1,357亿美元，较前一季度减少400亿美元左右。
渣打银行（中国）有限公司人民币存款账户（II类/III类）
申请须知
欢迎您在线申请渣打银行（中国）有限公司（简称“本行”）人民币存款账户（II 类/III 类）！
为便于您了解申请本行人民币存款账户（II 类/III 类）（简称“人民币存款账户”）和银行服务的相关事宜，维护您的合法权益，
特制定本《申请须知》。本《申请须知》记载了您申请本行人民币存款账户（II 类/III 类）和银行服务的相关条款与细则，除非特
别说明，本《申请须知》是《银行账户和服务条件及细则》的补充，并和其他银行产品和服务协议一并构成完整的客户协议，请在
阅读本《申请须知》时注意阅读其他文件。
如有任何疑问，请联系本行，您可以登录本行官方网站 www.sc.com/cn 查询离您最近的营业网点以及最新的联系方式。
一、 在线申请前的准备
1.请确保您已年满 18 周岁，持有有效期内的中华人民共和国第二代居民身份证（如您已持有本行账户，在线申请时距离身份证有
效期届满日不应少于 30 日），并是具有完全民事行为能力的自然人。基于对客户负责的审慎原则，本行有权对开户申请人的年
龄做出一定的限制，并可能不时调整。
2.开始申请前，请您准备好手机、居民身份证和您本人名下的绑定银行卡并确保处于稳定的网络环境。
（1）绑定银行卡：
A. 申请过程中需要提供您本人名下借记卡作为绑定银行卡（其中，人民币存款账户（II 类）绑定借记卡的账户应为 I 类
户），以验证您的身份。请确保该绑定银行卡及其账户合法有效、状态正常，且一旦绑定不得变更，并始终保持绑定银
行卡及其账户合法有效、状态正常，必要时，您可与您的开卡行进行确认。
B. 通过本行移动银行/网上银行登录前的“开户”功能在线申请开立人民币存款账户（II 类/III 类）时，绑定银行卡须
为他行银行卡，本行可接受的绑定他行银行卡之发卡行请见申请首页，信用卡或非金融支付机构的账户无法作为绑定银
行卡。
C. 在线申请开立人民币存款账户（II 类）时，为绑定他行银行卡的 I 类户验证之目的，您在线提交人民币存款账户（II
类）开立申请的同时，须同意并授权本行自该绑定银行卡及其账户划转人民币 10,001 元至您新开立的渣打银行人民
币存款账户（II 类）（在银行营业日 15 点之前提交人民币存款账户（II 类）开立申请的，该笔转账将在当天到账；
在银行营业日 15 点之后提交人民币存款账户（II 类）开立申请的，该笔转账将会在下一个银行营业日到账）。请您
确保绑定银行卡及其账户之余额充足。
（2）预留手机号码：
每个客户在本行仅能有一个预留手机号码，且您的手机号码必须是绑定银行卡的预留手机号码，绑定手机号码不得为虚拟
手机号码，须为您本人实名登记的境内手机号码。
（3）本行针对不同客户，可能不时增减开户所需信息及验证步骤等，以在线申请时本行的实际要求为准。
3.您须在 15 分钟内完成注册，否则须重新申请。为加快您的申请速度，建议您在申请前仔细阅读并理解《银行账户和服务条款及
细则》、《个人银行服务收费标准》、《个人电子银行服务条款》、《优逸理财条款与细则》、《关于个人金融信息保护的
函》和《优先理财服务和礼遇-本地条款与细则》。
4.如您已持有本行账户，但尚未开通本行的个人网上银行服务，在您通过移动银行/网上银行在线申请人民币存款账户（II 类/III 类）前，应首先至本行官方网站或本行经营个人业务的分支行开通本行的个人网上银行服务后，再申请在线开立人民币存款账户（II 类/III 类）。
二、分支行申请开立注意事项
1.您通过本行分支行申请开立人民币存款账户（II 类/III 类）时，绑定银行卡只能为本行签发给您的实体借记卡。
2.非境内人士可持有效证件通过本行分支行申请开立人民币存款账户（II 类/III 类）。
三、账户受限
1.您通过本行移动银行/网上银行仅可以在线申请开立首个人民币存款账户（II 类）。
2.您在本行最多可申请开立 2 个人民币存款账户（II 类）。
3.您在本行仅可以申请开立 1 个人民币存款账户（III 类）。
四、账户种类
1.根据《中国人民银行关于改进个人银行账户服务加强账户管理的通知》（银发[2015]392 号）、《中国人民银行关于落实个人银
行账户分类管理制度的通知》（银发[2016]302 号）、《中国人民银行关于改进个人银行账户分类管理有关事项的通知》（银发
[2018]16 号）和其他相关法律法规，您在本行开立的人民币存款账户为 II 类或 III 类银行账户。
2.您在本行开立的人民币存款账户（II 类/III 类）为人民币活期存款账户，不支持外币存款。
3.本行暂不提供开立联名人民币存款账户（II 类/III 类）的服务，该账户为您个人名下的账户。
五、账户功能
1.转账
（1）您申请人民币存款账户（II 类/III 类）的过程中，默认开通个人网银电子支付功能。
（2）目前您在本行开立的人民币存款账户（II 类/III 类）仅支持与绑定银行卡之间转账，暂不支持与非绑定银行卡之间的转账。
（3）如人民币存款账户（II 类/III 类）的绑定银行卡及其账户出现异常、变更、挂失、注销、关户、销户等情况，您须携带本
人有效证件亲临本行经营个人业务的分支行完成账户升级后，方可进行相关资金转出操作。
2.现金交易
您在本行开立的人民币存款账户（II 类/III 类）暂不支持现金交易。
3.本行产品
（1）人民币存款账户（II 类）可绑定本行虚拟借记卡并开通第三方支付功能后，通过第三方支付平台进行消费。
（2）人民币存款账户（III 类）目前暂不可绑定本行虚拟借记卡，不可购买本行存款、理财及代销保险等产品。
4.借记卡
对于人民币存款账户（II 类）不配发实体借记卡，您可在移动银行/网上银行在线申请本行虚拟借记卡并绑定人民币存款账户
（II 类）后通过第三方支付平台进行消费。关于虚拟借记卡的相关功能和规定请参考本行公布在官网的《虚拟借记卡章程》。
如您需使用自动取款机（ATM）或存取款一体机（CDM）、在商户 POS 机等销售点终端上刷卡消费或使用电子现金，建议您前往
本行经营个人业务的分支行完成账户升级后申领实体借记卡。
5.第三方支付平台交易
（1）人民币存款账户（II 类）可绑定本行虚拟借记卡并通过本行移动银行/网上银行或本行分支行柜台开通第三方支付功能后，
通过第三方支付机构提供的第三方支付平台和服务向本行提交指令。
（2）人民币存款账户（II 类）应符合法律法规关于消费限额和本行网上银行电子支付限额的规定。目前人民币存款账户（II
类）单笔消费限额为人民币 10,000 元，单日消费限额为人民币 10,000 元，单个自然年消费限额为人民币 200,000 元，本
行有权不时调整该等限额，您可就此咨询本行分支行网点或客户服务热线。
6.个人网上银行服务
如您尚未开通本行的个人网上银行服务，在您通过移动银行/网上银行在线申请人民币存款账户（II 类/III 类）的过程中，应先
申请开通本行的个人网上银行服务并设置用户名和密码后，再申请开立人民币存款账户（II 类/III 类）。
鉴于人民币存款账户（II 类/III 类）仅能进行与绑定银行卡之间的转账，部分个人网上银行服务可能受限。
7.电话银行
如您需开通电话银行服务，建议您前往本行经营个人业务的分支行申请开通。若您在本行未开立人民币结算账户（I 类）而仅持
有本行人民币存款账户（II 类/III 类），则您需要完成账户升级后申请开通电话银行服务。
8.短信银行
若您非本行现有客户，在您通过移动银行/网上银行在线申请人民币存款账户（II 类/III 类）的过程中，默认开通短信银行服
务。您可以通过本行官方网站了解短信银行的具体功能、详情以及如何关闭短信银行。
9.账户余额
人民币存款账户（II 类）的余额不得超过人民币 5,000,000 元，账户总资产(包括账户余额和客户通过该账户购买并持有的所有
存款及投资产品)累计不得超过人民币 10,000,000 元；人民币存款账户（III 类）的余额不得超过人民币 2,000 元。
六、银行计划
若您非本行现有客户，申请开立人民币存款账户（II 类）的过程中需要选择相关银行计划，申请开立人民币存款账户（III 类）的
过程中银行计划默认为个人理财客户。
具体银行计划及相关资格要求如下：
1.个人理财客户：亦称为“个人银行普通客户”，无客户资格要求限制，免账户管理费。
2.优逸理财客户：客户满足下列条件之一，即视为符合「优逸理财」客户资格要求：
（1）客户在本行的月日均存款与投资总额（日均余额）达到并持续维持在人民币 10 万元（或等值 外币）或以上；
（2）截至每月最后一个工作日，客户在本行的房地产抵押贷款未偿还本金金额总计达人民币 100 万元（或等值外币）或以上且低于
人民币 200 万元(或等值外币)；或
（3）客户持有本行企业员工银行薪资账户，且账户每月进账金额不低于人民币 1 万元。
「优逸理财」客户的账户管理费具体金额以最新的《渣打银行（中国）有限公 司个人银行服务收费一览表》为准，本行有权根据市
场变动情况不时调整并公示。
3.优先理财客户
客户满足下列条件之一，即视为符合「优先理财」客户资格要求：
（1）客户在本行的每月存款与投资总额（日均余额）达到并持续维持在人民币 50 万元（或等值外币）或以上的；
（2）截至每月最后一个工作日，客户在本行的房地产抵押贷款未偿还本金金额总计达人民币 200 万元（或等值外币）或以上的个人
客户。
「优先理财」客户的账户管理费具体金额以最新的《渣打银行（中国）有限公司个人银行服务收费一览表》为准，本行有权根据市场
变动情况不时调整并公示。
人民币存款账户（II 类/III 类）客户享受的相关银行计划权益有限，如您拟享受更多的权益，请前往本行经营个人业务的分支行进
行账户升级。
七、账户升级
您可以携带本人身份证件前往本行经营个人业务的分支行，根据法律法规和本行相关规定对人民币存款账户（II 类/III 类）进
行升级操作，以使用更多的账户功能并享受更多的银行服务，但如您已持有本行人民币结算账户（I 类户），则人民币存款账户
（II 类/III 类）无法升级至 I 类户。
八、关闭账户
如需关闭人民币存款账户（II 类/III 类），您须携带本人身份证件前往本行经营个人业务的分支行申请关闭账户，并须在关闭
账户前通过移动银行/网上银行将该账户中的资金转账至绑定银行卡。
九、客户信息及变更
1.您提供给本行的信息和任何文件均应为真实、有效及完整的，本行有权接受并依赖您所提供的、任何表面真实的信息和文件，
如有伪造、欺诈，您须承担由此产生的相关法律责任。
2.如您在本行仅持有人民币存款账户（II 类/III 类），您在本行留存的相关客户信息如发生任何变更（人民币存款账户（II 类
/III 类）的绑定银行卡不得变更），则您须携带本人有效证件前往本行经营个人业务的分支行办理，目前暂不支持通过电话银
行、网上银行等渠道变更客户信息。
3.无论您的申请是否最终通过本行审核，本行会根据您在申请人民币存款账户（II 类/III 类）过程中提供的信息不时向您提供您
可能会感兴趣的银行产品和服务，如您不想接收该等信息，请拨打本行客户服务热线 400-888-8083（国内）或（86-755）
2589-2333（港澳台及海外地区）。
十、客户的知情权
如您此前在本行尚未设置月结单或通知书的寄送方式，则在您通过移动银行/网上银行在线申请人民币存款账户（II 类/III 类）
的过程中，默认开通电子月结单和电子通知书，不提供纸质对账单。
十一、修订
根据法律法规、监管要求、政府文件等或由于本行经营管理和风险控制等需要，本行有权对《申请须知》不时修改、补充、终
止，修改后的内容如加重或增加您的责任或义务，本行将事先于新内容生效前在本行官方网站公告，请您不时关注本行官方网
站以了解《申请须知》的最新版本。如您不同意相关修改，你可以前往本行经营个人业务的分支行关闭账户；如您在《申请须
知》更新后继续使用该人民币存款账户（II 类/III 类），则视为您同意并接受相关修改。
十二、生效
本《申请须知》于 2018 年 12 月修订、生效，并于生效前在本行官方网站上公布。
渣打银行（中国）有限公司虚拟借记卡章程
第一条
本章程（包含对其不时进行的变更和修订，统称“本章程”）适用于与渣打银行虚拟借记卡（以下简称“虚拟借记卡”）有关的银行
产品和服务，对渣打银行（中国）有限公司（以下简称“渣打银行”）和持卡人具有法律效力，渣打银行和持卡人应共同遵守本条
款。
第二条
本章程所称“虚拟借记卡”是指渣打银行向社会公开发行的没有实体卡介质的金融支付结算工具。
第三条
渣打银行与持卡人应同时受《银行账户和服务条款及细则》及《借记卡章程》的约束，本章程与《银行账户和服务条款及细则》、
《借记卡章程》及其他银行产品和服务协议一并构成完整的客户协议，本章程构成对《银行账户和服务条款及细则》及《借记卡章
程》的补充。如本章程的部分内容与《银行账户和服务条款及细则》及《借记卡章程》有冲突，应以本章程的约定为准。
第四条
本章程所称“持卡人”是指，在渣打银行开立人民币存款账户（II 类）且渣打银行向其发行虚拟借记卡用以操作指定人民币存款账
户（II 类）的客户。
第五条
目前虚拟借记卡仅支持第三方支付功能，不支持现金存取及与实体卡介质相关的功能，包括但不限于自助柜员机、POS 消费、电子现
金及闪付等业务功能。
第六条
虚拟借记卡暂不提供预授权交易相关服务。
第七条
持卡人可以使用虚拟借记卡通过第三方支付机构提供的第三方支付平台和服务向渣打银行提交指令，或在第三方支付平台上进行交易
消费，但持卡人须向渣打银行申请开通相关第三方支付功能。
第八条
虚拟借记卡有效期自发卡之日起 10 年。有效期届满虚拟借记卡将自动失效，失效后，虚拟借记卡所有相关功能将无法使用，客户可
通过渣打银行网点申请新卡。
第九条
虚拟借记卡无交易密码。开通第三方支付功能后，客户可根据第三方用户协议通过第三方支付平台设置第三方支付平台的支付密码。
第十条
若虚拟借记卡发生信息被泄漏、盗用以及其他可能导致危及虚拟借记卡使用安全的情况，持卡人可通过渣打银行网点或客户服务热线
办理挂失手续，并通过渣打银行网点申请新卡。
第十一条
持卡人申领新卡后，若拟继续通过第三方支付机构的支付平台使用虚拟借记卡，须重新申请开通第三方支付功能。
第十二条
通过第三方支付平台进行交易消费时,请注意第三方支付机构可能设置的交易限额，该交易限额与渣打银行设置的交易限额（如有）
无关。在第三方支付机构的交易限额将同时受人民币存款账户（II 类）消费限额的影响，持卡人可咨询渣打银行网点或客户服务热
线有关渣打银行设置的消费限额。
第十三条
第三方支付机构可能不时根据实际情况对部分账户类型和/或虚拟借记卡进行交易限制，该等具体限制以第三方支付机构规定为准。
第十四条
渣打银行为持卡人的虚拟借记卡默认开通短信提醒功能，使用虚拟借记卡进行交易，本行会发送短信交易提醒。
第十五条
虚拟借记卡收费标准参照对应的不同卡种收费，具体请参考渣打银行《个人银行服务收费标准》。
第十六条
除明显不适用和/或经本章程修改和/或补充的外，《银行账户和服务条款及细则》及《借记卡章程》的规定同样适用于虚拟借记卡。
第十七条
中国人民银行、国家外汇管理局、中国银行业监督管理委员会等中国有权机关可能不时发布、变更和 取消有关虚拟借记卡和/或人民
币存款账户（II 类）的相关规定或要求，持卡人使用虚拟借记卡办理业务时应严格按照中国有权机关不时发布和变更的规定执行。
第十八条
对于本章程未尽事宜，渣打银行有权以通知持卡人的方式（包括但不限于发布网站公告），或与持卡人另行约定的方式，告知持卡人
虚拟借记卡相关管理规则，持卡人同意受该等规则的约束。如该等规则与本章程有冲突，以该等规则为准。
第十九条
本章程由渣打银行制定并负责解释。持卡人同意，渣打银行对于本章程有变更、修改、终止的权利。渣打银行对本章程的变更、修
改、终止将通知持卡人（包括但不限于发布公告）并适用于持卡人。请持卡人关注相关公告 或通知，如持卡人在变更、修改后继续
使用本章程所述业务及服务的，视为持卡人同意该变更、修改。
第二十条
本章程的英文版仅为方便而设，在任何情况下均以中文版为准。
第二十一条
本章程自即日起于渣打银行官方网站公布，于 2018 年[10]月[1]日起生效并施行。
客户声明：
1、 本人已经仔细阅读并接受《虚拟借记卡章程》，本人知晓可于银行官方网站上查询《虚拟借记卡章程》的最新版本。
2、 本人申请办理虚拟借记卡业务，并承诺提供给银行的信息均是真实、有效及完整的，银行有权接受并依赖本人所提供的、任何表
面真实的信息和文件。如有伪造、欺诈，本人承担法律责任。
3、 本人声明所提供的手机号码为本人实名登记的号码，若被发现该号码不属于本人实名所有，银行有权停止本人的所有非柜面业务
功能（包括银行卡的相关功能）。
4、 本人理解并接受，对于开通用于第三方支付平台上的虚拟借记卡支付功能，本人需要在和银行不时建立合作关系的第三方支付平
台上绑定虚拟借记卡后才能进行支付交易。在首次绑定虚拟借记卡时，需要验证持卡人信息，之后的消费将直接使用第三方支付
平台设置的交易密码进行交易验证。支付宝渠道和微信支付渠道的交易限额是单笔人民币 2 万元及日累计人民币 5 万元，银联在
线支付渠道的交易限额为单笔及日累计人民币２万元。虚拟借记卡在第三方支付平台的交易限额将同时受人民币存款账户（II
类）消费限额的限制，目前人民币存款账户（II 类）单笔及单日消费限额为人民币 10,000 元，单个自然年消费限额为人民币
200,000 元，银行有权不时调整该等限额，本人可就此咨询银行网点或客户服务热线。第三方支付中可能存在风险，本人将妥善
保管身份信息、卡片、密码、手机号码等个人信息，尽量不在网吧等公共场所使用第三方支付。本人知晓如怀疑个人信息泄露，
本人将根据第三方支付相关用户协议向第三方支付机构报案，并将拨打银行客服热线挂失虚拟借记卡。对于被确认的非本人原因
造成的盗刷案件，本人可根据法律法规规定向银行提出索赔申请。
即日起至2019年12月31日渣打银行“里赏定存”活动
飞出全球精彩，优享安心定存！
渣打银行推出“里赏定存”活动，定存利息换取里程数（“亚洲万里通”里数或“东方万里行”积分），用里程数*兑换机票，让您的出行更加便捷。
“东方万里行”积分可兑换中国东方航空直达航班，东方航空公司现已形成以上海为客运、货运枢纽，以昆明、西安、武汉为区域枢纽，立足国内、辐射国际的航线网络布局；其国际航线覆盖了北美、南美、欧洲、中亚、南亚、东南亚、北非、南非及澳洲等地区。同时，东航加入了“天合联盟（Sky Team）”，通过与联盟其余19家成员公司的航线网络的衔接和融合，每天为旅客提供更多的飞行选择和更好的航空服务。
“亚洲万里通”里数可兑换「亚洲万里通」航空合作伙伴机票包含多达29家航空公司，其中五星航空公司包括国泰航空，国泰港龙航空，日本航空，澳洲航空，英国航空，中国国际航空以及深圳航空等，航线网络覆盖全球1,000余座城市。
您只需在开立定存时选择参加“里赏定存”活动并同意以指定航空公司的等值里程数（“亚洲万里通”里数或“东方万里行”积分）作为到期应付全额利息，我行将在定期存款成功开立后首个自然月的25日通知指定航空公司将对应里程数发放至您提供的本人之航空公司会员账号。
*里程数由相关航空公司提供，实际兑换时可能受航空公司、季节、日期、机型、舱位、座位数量等因素影响而存在差异，且可仅用于兑换机票，不包含相关税费，具体兑换详情和相关条款请遵守相关航空公司官网公布并不时修改的相关规定。
渣打银行“里赏定存”活动规则：
1.活动时间：即日起至2019年12月31日
2.参与方式：新客户可通过扫描活动二维码或在我行活动主页点击“立即申请”来参加此活动，我行客服专员会回电邀请客户亲临我行分支行办理相关手续；老客户可直接至我行分支行或致电客服热线申请参加此活动。
3.参与活动步骤：
（1）客户亲临我行分支行或致电客服热线申请参加“里赏定存”活动；
（2）我行将在定期存款成功开立后首个自然月的25日通知指定航空公司将相应里程数发放至客户提供的本人之航空公司会员账号中。
（3）相关航空公司里程数将会在收到渣打银行通知成功开立存款后的1-3周存入客户提供的本人之航空公司会员账户中。
4.目前客户可选择的航空里程数包括“亚洲万里通”里数和“东方万里行”积分，客户在申请参加活动时一旦选定，不得变更。
5.该活动最低起存金额及定期存款与指定航空公司里程数对应关系如下：
最低起存金额为人民币200,000元，美元30,000元或港币400,000元，并且定存金额必须为最低起存金额的整数倍，存款期限包括6个月、1年和2年。以3万元美元定存为例，存款期限6个月、1年和2年可获得的相关航空公司里程数分别为2万里程数、4.5万里程数和10万里程数。
《定期存款利息与等值里程数对应表》
币种 最低定存金额 存期 指定航空公司等值里程数
（“亚洲万里通”里数或“东方万里行”积分）
6．活动条款和细则
（1）“里赏定存”活动，是指客户在我行开立定期存款时选择以指定航空公司的等价里程数（活动币种、里程数与等值利息等请参考上述《定期存款利息与等值里程数对应表》）作为定期存款的到期应付利息，该等值里程数将由我行在定期存款成功开立后首个自然月的25日通知指定航空公司存入客户提供的本人之航空公司会员账号。
（2）目前客户可选择的航空里程数包括“亚洲万里通”里数和“东方万里行”积分，客户在申请参加活动时一旦选定，不得变更。
（3）如因客户提供的航空公司会员账号错误等自身原因造成无法收到相关里程数的，客户应自行承担由此产生的相关损失和责任。
（4）“里赏定存”活动的里程数由相关航空公司（“亚洲万里通”里数由亚洲万里通公司提供，“东方万里行”积分由中国东方航空股份有限公司）提供，里程数的使用方法及所能享受的会员服务请参照并遵守相关航空公司的服务条款及规则。航空公司可能不时修改相关服务条款和规则，客户如有任何疑问，可直接向相关航空公司咨询。所有与“里赏定存”活动之里程数相关的服务由该等航空公司提供，银行对该等商户及其提供的产品或服务不承担任何形式的承诺或担保，任何与该商户提供的产品或服务有关之责任，由该等商户依法承担。
（5）“里赏定存”活动不支持部分提前支取，仅支持在银行分支行申请全部提前支取。
（6）全部提前支取的，如客户在银行未通知相关航空公司支付里程数前提出提前支取请求（即开立定存的首个自然月的25日前，含25日），则无需支付任何费用或补偿；如客户在银行已通知相关航空公司支付里程数后（即开立定存的首个自然月的25日后）提出提前支取请求，则提前支取时，按支取日银行挂牌公告的活期储蓄存款利率向客户计付利息，但鉴于银行已将全额到期应付利息以等价里程数预付给了客户，因此，客户须于提前支取时就该等里程数向银行支付等价补偿金，具体补偿金额可根据《定期存款利息与等值里程数对应表》中的等值利息金额计算确定。
（7）在法律允许的范围内，渣打银行有权对活动相关内容（如活动商品、优惠期限、适用条件等）进行变更并在合理时间内通过渣打银行官方网站公布。客户可在参与活动前要求渣打银行就活动规则进行充分解释和说明。
（8）“渣打银行”、“我行”或“银行”均指渣打银行（中国）有限公司。
最新香港大新银行开户流程
CRS政策的推行，香港许多银行开始清理离岸帐户，开户的门槛也越来越高（如汇丰银行、恒生银行等），但内地企业随着业务对外扩展国际的市场，离岸银行开户的需求还是越来越高。
大新银行是一家香港的本土银行, 大新银行集团有限公司是一间在香港交易所上市银行控股公司。其主要附属公司包括大新银行有限公司（「大新银行」）及丰明银行有限公司（「丰明银行」）均为香港持牌银行
那么怎样选择开香港的银行账户呢?
给大家介绍香港大新银行开户的流程：
一、最新香港大新银行开户流程
流程图解: 预约（1-3天）—–面签——拿账号（3-6周）
1）提供资料，银行初审：1-3天
a 、提供资料：公司注册证书、商业登记证
b 、将上述两份文件提供给我司，转交银行查册预审
c、 预审通过后，确定面签时间
2）签署协议，支付费用
a、与我司商谈确定委托办理银行开户
b、签署委托协议，并支付银行开户费用（全款）
3）准备资料，赴港面签
a、 准备赴港面签，提前安排港澳通行证签注及赴港交通行程（我司提供赴港攻略）
携带开户所需资料
1、香港公司全套资料
2、身份证、港澳通行证
3、准备部分现金：可至港刷国际信用卡或多张银联卡（每张银联卡可刷1万港币）
b、若有重疾险理财客户：提前与我司确认需携带的资料
c、赴港过关时，领取过关小票，记得不能丢弃
d、至开户银行后，根据银行经理要求，提供相关正本资料，并签署相关文件
e、公司账户内预存1万HK，若理财客户，其公司账户及个人账户均预存1万HK
f、 面签完成后，即可返回
4）领取账号，账户使用
约1个月左右，公司账号将账号：通知我司，同时邮寄给客户
网银在账号下来后一小段时间快递给客户
在去开户之前请提前和代理公司沟通好，准备好所有资料。
香港汇丰银行开户需要带哪些资料
1、董事：董事要亲自到银行安排的地点签署开户文件，并办理相关手续；
2、股东：对股东是否要亲临现场签署文件各银行要求不一。如在汇丰银行开户，持股10%以上（包含10%）的公司股东在开立账户时，需亲自到场办理开户手续；如在恒生银行开户,持股50%以上（包含50%）的公司股东在开立账户时，需亲自到场办理开户手续；渣打银行开户,不需处理户口的情况下可以不到场办理开户手续,但需提交身份证复印件和近三个月地址证明文件上面的签名原件；其他银行开立要求股东亲自到银行办理手续；
3、其他人：被授权操作银行账户者，必须亲临办理开户手续；
4、证件要求：开户人必须持有个人有效护照、通行证、身份证或商业名片等正本文件；
5、商业登记证正本/注册证书正本/公司章程正本/签字章/注册法定文件（如有改名改股增资文件一并提交）；
6、董事股东住址证明（近三个月来的水/电/电话费等缴费证明单据）；
7、业务证明/业务计划书(比如:公司的订单、购销发票、合同、提单等)；
8、会计师签署的开户文件(如带上香港公司资料的所有原件则不需要)；
9、准备存入账户的现金(至少10,000港币)；
10、开立离岸账户，开户文件必须包含离岸国出具董事在职证明书（INCUMBENCY）。
银行账户
无论你在全球任何地方开立公司，都能在香港开设银行账户。一般来讲，香港公司、中国公司、离岸公司和海外公司，都可以被银行接受开立账户，被银行列入黑名单的国家和地区除外。
个人账户与公司账户
个人账户是以个人的名义开立的私人银行账户；公司账户是以公司的名义开立的公司账户。在香港，私人账户和公司账户的款项可以相互结转，非常方便。因此，建议客户在开立公司账户的同时，也开立个人账户。目前，也有不少人到瑞士或列支敦士登公国开立私人账户。
银行理财产品及类型入门介绍
每天都想学理财，看到五花八门的理财产品眼泪差点掉下来。其实一般投资的入门就是买银行理财，了解银行的理财产品是理财小白必经的过程。本期将为大家简单介绍银行理财产品及类型，方便大家尽早入门。
1 什么是银行理财产品
银行理财产品是由商业银行自主开发的，将筹到的资金投入金融市场，获得投资收益后，根据合同约定，将收益分配给投资人。
目前全国的银行理财产品已突破30亿元，成为我国居民的主要理财工具。想投资理财的朋友，可以试试先从银行理财产品入手。
2 银行理财产品的两种类型
银行理财产品并不复杂，总得来说分为两种：预期收益型和净值型。
1、预期收益型
购买时会告诉你一个“预期收益率”，但最后的收益还要看实际投资的咋样。到期前你也没法知道自己投资的产品投的咋样了，不能提前知道真实的收益和风险大小。
2、净值型
不提供“预期收益”参考，但是会定期以净值的形式公布投资的情况，投成啥样是啥样，大家能更真实感受到产品的价值及风险波动，最后盈亏也需要大家自主承担。净值型理财将会是未来的趋势，它有利于保护投资者的利益，也有助于资产管理行业的健康发展。
10年申请21张信用卡历程总结
本人09年大学申请信用卡开始，已经不知不觉过了10年了，前几天查信用报告已经有170个账户数，觉得是时候该总结一下我的申卡历程了：
1.人生中第一张信用卡——交通银行Y-Power ED:2000
当时在某个公司实行，有交行办卡员来扫楼，团办的，这是本人第一张信用卡，信用报告还是白纸一张，可恶交行给我下了2000的卡，这给我后面的卡带来了巨大的困扰，以至于所有的卡几乎都在几千的额度左右。用了一段时间后，把卡注销了，过了记不清几个月申请额度变成10000，刷了两个月左右提到12000以后再也提不动了，于是又注销掉，过了几个月再申请，额度变成17000，同样销了，然后各种拒，搬砖沃德达标一样拒，目前不持有该行卡。
2.第二张卡——中信银行 银联普卡ED：2000
有了第一张，就想办第二张，网申被拒，于是去网点提供实习的工作证，工作证明，下卡了，额度参考了交行把，也是2000，同样因为额度低，注销了，再次申请额度变成5000，用了一段时间额度提到8000，申请i白金各种无征信被拒，当时i白金是1W起步，申请了很多次，最后一次来征信电话了，我说你们银行差这2000额度吗？用的最多的就是你们银行的卡，然后客服一直抱歉，挂了电话审核通过，额度曲线1W，后来不知道怎么提到12000，然后注销再申请变成20000，后来精简卡片把3w以下的都注销了，没过几天又申请也过了，额度变成30000，目前持有i白金，额度3W
3.第三张卡——建设银行春秋航空金卡ED：5000
本人在外地上大学，又一次开学坐春秋航空的航班，飞机上在推信用卡，然后就要表填了，后来都忘了有这回事，突然收到批卡短信，收到一看额度5000，当时还是最高额度的卡，然后开始狠刷，提到了9000，然后死活提不动，后来正式工作了办卡ETC额度竟然5000，后来精简3W以下额度卡就给注销了，后来行数太多，怎么也办不下来，就是单位团办公务卡也一直拒绝，目前不持有该行卡。
4.第四张卡——民生银行in卡普卡ED：5000
同样也是实习的时候和同事团办，其他同事下卡金卡额度有1W有2W，只有我是个普卡只有5000，可能参考了建行，也是万年不提，后来收到短信邀请升级金卡，额度变成1W，后来注销再申请，变成3W，目前持有标准白金，额度3W。
5.招商银行Young卡 ED;10000
临近毕业，申请了招商的卡，那时候招商活动非常多，也好办，就找卡员办了一张，下卡额度1W，用了不到1年半，额度就升到2W，5万毕业了网点申请银联白两次都过不了，目前持有王者荣耀卡额度5W，万年大黑屋。
6.平安银行淘宝普卡 ED：20000
刚开始申请平安秒拒，后来更换工作单位试了一下，审核一天就过了，额度更是给了2W，非常意外，然后精简卡给消掉了，后来再申请还是2W，精英白年费政策更改，于是又申请了精英白，收到竟然曲线到了4W，目前持有精英白，额度4W
7.浦发银行 加速白 ED：忘了？？
浦发也是拒的我不要不要的，后来多次申请终于下卡，额度记不太清，就是几千吧，后来销了再办提到了2W，后来就终身2W，精简卡片给注销了，然后再也无法下卡，目前不持有该行卡。
8.广发银行万事达普卡 ED：7000
当时本地无网点，就被拒绝了，后来接到广发的邀请电话，邀请我办卡，说让我填个有网点的地方，由于上学的地方有，于是找同学要了公司地址，异地申请，后来广发给我打电话打到了现在的工作单位，这是让我觉得神奇的地方，反正给我批卡了，额度只有7K，后来去杭州激活的卡，用了一段时间，申请高铁白，额度变成4W，然后一路提额度提到了74000，目前有两年没提过了，目前持有高铁白，额度7.4W
9.光大银行 旅游卡 ED：10000
光大一直拒绝，也是申请多次通过，额度1W，后来缓慢提额到2万多，后来电话邀请升级白金卡，掏了500年费，变成3万，一直15%幅度提额，目前持有抖音卡，额度4.45W，中间投诉过光大多次，这个有空再讲
10.兴业银行 低碳信用卡ED：30000
网点提交，这次不是网申了，只交了工作证明，工作牌，他行卡，网点的人还说这样不一定额度高，征信电话都没接到，结果批卡3W，当时给我很大的惊喜，一直主刷，提到了33500，后来去网点办二卡睿白金，三年没提过了额度了，买了30砖理财，邮件提额也没过，目前持有睿白金，额度3,35W
11.中国银行 银联金卡额度:7000
当时去网点办的，提供了购房合同，工作证明，工作牌，但是网点可能觉得资质不行，就没给我提交资料，一怒之下投诉了，然后网点来电话道歉，我说要尽快审核并且网点推荐，最后下卡7000，也是怎么都不提，注销了，后来申请一直被拒，有一次过了只有2000额度，不知道中行怎么审批的，2000没开卡就销了，后来赶上去年莫奈放水，拿下0001，目前持有0001终免，额度4W。
12.工商银行 大来金卡 额度20000
都知道大妈行难下卡，自己申请了无数次都过不了，后来老妈找了行长，跟老妈一起办的，下了2W的卡，后来忘了怎么提到了4W，有一次邀请提高额度，5W封顶，就成功了，目前持有交通金卡，额度5W
13.农业银行 ETC 额度10000
之前也是被各种拒，后来去网点办的ETC，本地分行征信，嘿嘿嘿和我聊得很愉快，还要给我介绍对象，我问他能不能批卡，他说能，我说额度能上1万吗？嘿嘿嘿说能，结果批了1W的ETC，不懂临时额度的坑，后来3+1稳定提额到15000，然后25000，悠然白曲线到30000，后来提额到40000，再提到60000，目前持有悠然白，额度6W
14.邮政银行标准金卡 额度30000
老油子开放网申，申请了来电征信，下卡3W，目前没提过额度，也不怎么刷，目前持有标准金额度3W
15.华夏银行环球精英白金卡 额度40000
自己申请还是拒，找办卡员下卡40000，主刷了几个月不提，目前冷冻刷刷星巴克，目前持有s-mart，额度4W
16.渤海银行普卡 17000
当时复印资料网点失误没印清楚，也没联系我，等了一个多月查不到进度，就投诉了网点，后来网点协调解决，下卡17000，精简卡片注销了，再申请被拒，目前不持有该行卡
17.东亚银行 携程联名卡 额度20000
当时跟风申请了携程卡，额度还凑合2W，精简3万以下额度就销了，后来申请去哪联名卡，下卡5000，也注销了，目前不持有该行卡。
18.张家口银行纪念卡 额度7000
刚开放网申，申请了进度都查不到，过了半个多月突然来短信批卡7000，额度太低注销，目前不持有该行卡。
19.河北银行金卡 额度5000
河北银行因为坏账太多不开放申请信用卡业务，但是身为河北人还是想有一张，但是当时行数太多了，网点不愿意给办，后来瞒着我告诉我没过，就把网点投诉了，后来给我正常提交批卡5000，后来找人存钱提额提到50000，目前持有金卡，额度5W
20.浙商银行额度500
当时异地下卡都是500，审核了半年，下卡就销了
21.温州银行51信用卡 额度20000
贷款卡没啥意思，就销了
以上是本人10年来用卡历程，也有很多后悔的地方，比如建行超过五六行就无法下卡都不知道，要是知道当时就留火种了，目前13行50多万的总授信，也遇到额度无法调整的瓶颈，办新卡也办不下来，本来想消掉7行留下农业、中国、工商、河北、邮政、广发、光大的。但是销卡还真有点舍不得！
2019下半年建行龙卡信用卡账单分期营销活动
活动对象：账户状态正常且自2018年1月1日起未办理过账单分期业务的银联单标识龙卡信用卡主卡持卡人（卡号62开头），附属卡及商务卡不参加活动。以下简称“新客户”。
活动时间：2019年07月01日 ~ 2019年12月15日
活动内容：
活动期间，新客户成功办理账单分期单笔交易满3千元且6期（含）及以上，可享首期手续费减免优惠（最高封顶100元；限127万名，先到先得）。
新客户在成功办理账单分期当月（自然月），同张信用卡须至少有一笔非绑定支付宝且非绑定微信的线下消费交易，方可满足首期手续费减免条件。
注：减免的手续费以返现方式，在满足活动条件的每个自然月后的60天内，计入持卡人办理账单分期交易卡片。
活动细则：
活动时间
2019年7月1日-12月15日
活动对象
账户状态正常且自2018年1月1日起未办理过账单分期业务的银联单标识龙卡信用卡主卡持卡人（卡号62开头），附属卡及商务卡不参加活动。以下简称“新客户”。
活动内容
活动期间，新客户成功办理账单分期单笔交易满3千元且6期（含）及以上，可享首期手续费减免优惠（最高封顶100元；限127万名，先到先得）。
新客户在成功办理账单分期当月（自然月），同张信用卡须至少有一笔非绑定支付宝且非绑定微信的线下消费交易，方可满足首期手续费减免条件。
注：减免的手续费以返现方式，在满足活动条件的每个自然月后的60天内，计入持卡人办理账单分期交易卡片。
活动时间
2019年7月11日-9月30日
活动对象
账户状态正常的龙卡信用卡持卡人。附属卡及商务卡不参加活动。
活动内容
活动期间，持卡人成功办理6期（含）以上期数账单分期，享手续费率低至85折。
注：每期（月）手续费= 分期本金总额×手续费率，将在分期后的每个账单日按期入账并收取。
活动费率=6期（含）以上各期数基准费率×0.85（四舍五入保留2位有效数字）。
申请渠道
手机银行微信短信STMATM
登录“中国建设银行”手机银行，依次点击 信用卡 分期还款 账单分期
2019年建行龙卡信用卡“新卡送好礼”活动3.0升级活动
活动对象：活动期间成功办理龙卡信用卡的客户。
活动时间：2019年05月06日 ~ 2020年03月31日
活动内容：
活动期间，成功申办龙卡信用卡，赠送满100元立减50元及满2000元立减100元“绿森商城龙卡专区”优惠券各一张。
活动细则：
活动时间
即日起至2020年3月31日。
活动对象
活动期间成功办理龙卡信用卡的客户。
活动内容
活动期间，成功申办龙卡信用卡，赠送满100元立减50元及满2000元立减100元“绿森商城龙卡专区”优惠券各一张。
领券方式
客户在线下渠道完成办卡申请后，现场扫描活动广告页面中的二维码，即可现场领取满100元立减50元及满2000元立减100元“绿森商城龙卡专区”优惠券；客户在线上渠道完成办卡申请后，可微信关注“龙卡信用卡”，输入“新卡送好礼”，进入本次活动领券页面，识别文中相应领券二维码，按照页面提示操作，领取满100元立减50元及满2000元立减100元“绿森商城龙卡专区”优惠券。优惠券有效期具体以页面显示为准。
1.首次申请龙卡信用卡主卡的中国大陆居民，已持有龙卡信用卡的客户办理新信用卡及仅申请附属卡的客户，均可参加本次活动。每位客户限获赠1次满100元立减50元及满2000元立减100元优惠券各一张。同一设备、同一身份证号、同一手机号、同一微信号均视为同一用户。
2.本活动办卡渠道为建行线下、线上各受理渠道，包括但不限于网点智慧柜员机、员工渠道PAD、龙易行、高低柜等线下渠道，及手机银行、微信银行、建行官网、移动门户网站等线上渠道。
3.优惠券可在“绿森商城龙卡专区”提交订单时，直接选择相应优惠券进行使用即可。优惠券具体使用规则如下：（1）使用优惠券的订单，被取消或发生退款、退货的情况，优惠券不予返还，不可再次使用。（2）“满100元立减50元”及“满2000元立减100元”优惠券均不可与商城其它优惠券叠加使用，每笔订单限使用一个优惠券。
4.优惠券由“绿森商城龙卡专区”的运营方浙江绿森信息科技集团有限公司（以下简称“绿森科技”）提供。客户可关注“绿森商城龙卡专区”微信公众号点击菜单“在线客服”在线咨询（工作时间：周一至周日9:00-22:00，春节期间除外），也可拨打绿森科技客服热线：4006868788（工作时间：周一至周日9:00-18:00，春节期间除外），并告知所咨询内容为在“绿森商城龙卡专区”购买或使用的。
5.中国建设银行仅提供分期付款服务，龙卡随付贷分期专区所售商品及服务由各商户提供，持卡人因商品、服务质量等引发的任何索赔、质询及投诉由商户负责处理和解决。
6.客户若于活动期间有逾期还款、卡片已冻结或有其他违反中国建设银行龙卡信用卡章程、领用协议或相关业务约定条款情形，则中国建设银行有权随时取消其参加活动的资格。
7.本活动详细办法以中国建设银行官方渠道公布为准。在法律许可范围内，中国建设银行有权修订本活动条款及细则（包括但不限于参加资格、消费时间及奖励方式等）、暂停或取消本活动、并经相关途径（如建行网站、手机银行、微信公众号以及本次活动供应商的告知渠道等）公告后生效。
刚装ETC，银行卡就少了3笔钱！@所有车主：如何防止ETC卡被盗刷
你装ETC了吗？
“装了！”
那关了小额免密支付功能了吗？
“没有！”
那就出大事了，不信你看！
近日，
西安的吕先生突然收到银行短信，
有三笔钱从卡里被划走了！
男子使用工具
盗刷ETC信用卡
明明不是自己干的，
钱款怎么会突然消失？
据了解，被划走钱的这张卡，
是一张”ETC信用卡”，
平时一直插在自己的车里。
“我车上这块装了专门过高速用的ETC，
而且这个ETC卡是我的一张信用卡 ，
绑定手机银行的。”
随后吕先生调取车库监控，
发现事发的前一天下午6点左右，
一名男子在小区附近转悠，
随后钻过栏杆进入地下车库。
男子首先来到一辆轿车旁边，
用手挡了一下，
似乎没有看到这辆车装有ETC装置，
随即又走到另外的车旁边，
从裤子口袋掏出一个设备，
对着ETC装置进行扫描。
期间遇到有人来就赶紧停手，
人走之后再次作案。
从监控中可以看到，该男子对包括吕先生车在内的很多车都查看扫描。附近小区也有业主反映称，自己的ETC卡也险些被盗刷，但因为设置了密码，所以对方没有得手。
而吕先生的ETC卡，恰恰设置了“一千元以下免密免签”功能，也就是金额只要不超过1000元，刷卡无需输入密码，也无需签名，这才让人盗刷成功。
目前，吕先生已经向辖区派出所报案，警方仍在进一步调查之中。
开通“闪付”和“小额免密”
银行卡被盗刷近2千元
无独有偶，6月4日下午5点，贵州省安顺市民丁先生突然接到银行短信，称自己的ETC信用卡有两笔金额为998元的消费。意识到自己的银行卡正在被盗刷，他立刻进行了挂失。
原来，丁先生的信用卡开通了“闪付”功能和“小额免密”功能，如果单笔金额低于1000元，不需要密码和签字也能支付，犯罪嫌疑人就拿着pos机隔着车窗将其信用卡盗刷了。
ETC信用卡
可因“闪付”功能被盗刷
目前由银行与ETC运营方联合发行的二合一卡片，如果带有闪付功能且开通了“小额免密免签”业务，存在被盗刷的风险。而且这样的卡放在钱包、口袋里也会被盗刷！
不法分子利用了银联卡小额免密免签功能，通过“闪付”功能直接刷取与ETC联合发行的银行卡账户资金，并非ETC卡账户资金，与是否绑定ETC账户没有关系。
而单独用途的ETC卡不具备金融功能，不存在盗刷风险。
视频案例中展示的盗刷行为，实际上涉嫌犯罪。视频中POS机具的使用也违反了《银行卡收单业务管理办法》中的相关规定，或将面临处罚。
别慌！
这种盗刷完全可以避免
如何防止ETC卡被盗刷？
1、关闭小额免密免签功能。关闭后不影响公路通行。车主只要拨打开卡行的客服电话，找人工客服就可关闭双免功能。
2、下车拔卡。开通闪付功能的ETC卡不要在车里插着，下车第一时间一定要把卡拔下来，随身携带。随身携带的情况下，用衣服和包隔的厚一点，防止被盗刷。如果发现被盗刷，第一时间选择报警。
3、开通短信提示功能。ETC信用卡使用者，最好开通短信提醒功能，万一被盗刷，马上就能知道。一旦发现信用卡被盗刷，也可以拨打发卡银行电话申请赔付。
4、提示在发现被盗刷后，及时取证并报警。
欠债太多？难以上岸？做到这五点，上岸对你而言就不会再是镜中花水中月
负债太多，惶惶不可终日，感觉自己上岸遥遥无期，整天活在痛苦与纠结中。难道上岸真的就有那么困难吗？
首先咱们先分析一下，你为什么会负债累累，债台高筑？有的是因为创业失败造成的，有的是因为要满足自己的虚荣心高消费，入不敷出造成的，最可恨的是那些为了赌博而造成的负债累累，债台高筑。如果想要上岸，就必须要做到以下五点。
其一，必须要找出自己为什么会变成现在这个样子的根本原因。只有找到问题的根源，才能对症下药，药到病除。不然，就算这次你成功上岸了，那下次呢？下下次呢？不找到问题的根源，你还能经得起几次这样的轮回？
其二，必须改掉自己现在的这种怨天尤人，自甘堕落的态度。人不自救，天难救，人若自强，可胜天！一切都在你的一念之间。如今的你已经将你的痛苦绝望表现的淋漓至尽了，但是你得到帮助了没有？有没有因为你的悲催遭遇而选择伸出援助之手帮你一把的？有没有因为你的痛苦绝望而对你网开一面的债主？没有吧！正如你走在路上，你会对一条濒临死亡的流浪狗伸出援助之手吗？不会吧，你只会选择站在一边静静的看着它在痛苦的挣扎中死去。就如现在的你一样，一个被负能量，消极情绪占领了的你，就算是再痛苦，再悲伤。所换来的也只是别人漠视与嘲讽。毕竟大家都很忙，谁会无聊到去帮助你这一个自甘堕落的人？他们帮助的只有那些值得他们的帮助的人，而消极的你们却恰恰不在其中。所以，改变自己的消极情绪，势在必行！
其三，必须停止你的以贷养贷。如果你一直这样拆东墙补西墙，你将永远也上不了岸，逾期了不可怕，大不了上五年的征信黑名单罢了，但是如果你一直以贷养贷下去，那就不是五年能换回来了，最后的你可能只剩背负着一世骂名落魄的死在异国他乡了。
其四，寻找自己力所能及的工作。如果你一没技术，二没能力，就踏踏实实的找份稳定的工作好好上班，利用空余的时间找份兼职做做，想尽一切的办法去提升你的收入。现在的你已经无路可退了，再不逼自己一把，难道你真就计划这样孤独的死去吗？如果真是这样，请记住逼死你的不是高额的债务，而是你那愚不可及的懒惰！
其五，用实际行动去证明自己。只有当你真正行动起来的时候，你才会发现原来上岸并没有你想的那么艰难。因为当你真正开始工作的时候，你想的最多的就是如何赚取更多的钱，而不是从哪里还能借到钱。当你可以有存款的时候，你就会发现赚钱并没有想象的那么艰难，上岸也并没有想象的遥不可及。
只要你能做到这五点，上岸对你而言就不会再是镜中花水中月，可望而不可即了。相信自己，你一定可以上岸的，加油！
机场高铁出行专区权益使用指南
一、权益内容
中国工商银行机场高铁出行服务再次升级！持有符合条件的工银黑金信用卡客户、工银白金信用卡客户（不含简约白金卡及地区发行的区域性白金卡）可享受全球机场高铁贵宾厅服务，还可用剩余的可用点数兑换快速安检通道、接送机、代泊代取等多项出行服务。您只需登录“工银e生活”APP，点击“机场高铁出行专区”栏目，并出示使用凭证，即可在全球范围内轻松置身一个舒适的休息空间，使您的旅途倍添尊贵与舒适。
二、活动时间
2019年1月1日至2019年12月31日
三、活动对象
工银黑金信用卡客户、工银白金信用卡客户（不含简约白金卡及地区发行的区域性白金卡）
四、权益规则
1.黑金卡客户及2018年本外币合计消费20万元人民币（含）以上的白金卡客户、刚性年费白金卡客户。本人无限次使用全球贵宾厅，无限次携伴（每次最多携伴3人），同时配置可兑换其他权益点数10个，可使用贵宾厅或兑换其他出行权益。
2.2018年本外币合计消费10万元（含）-20万元人民币的白金卡客户。免费赠送可用点数8个，可用于贵宾厅权益或兑换其他出行权益，贵宾厅权益可携伴使用。
3.2018年本外币合计消费10万元人民币以下白金卡客户及2019年以来白金卡新客户。免费赠送可用点数6个，可用于贵宾厅权益或兑换其他出行权益，贵宾厅权益可携伴使用。
4.客户可用剩余的“可用点数”/“可兑换点数”兑换接送机、快速安检、车辆代泊代取服务，兑换后的服务有效期截止到2019年12月31日，具体兑换规则如下：
| 序号 | 权益类型 | 兑换的数量 | 需要的龙腾点数 | 使用有效期 |
| 1 | 舒适型 接送机/站 | 1 | 2 | 兑换后一个月内 |
| 2 | 商务型（7座） 接送机/站 | 1 | 3 | 兑换后一个月内 |
| 3 | 豪华型 接送机/站 | 1 | 3 | 兑换后一个月内 |
| 4 | 快速安检通道2人次 | 1 | 1 | 兑换后一个月内 |
| 5 | 3张50元饭票 | 1 | 1 | 兑换后一个月内 |
| 6 | 代泊代取3天 | 1 | 1 | 兑换后一个月内 |
| 注：1、接送机/站服务标准为同一市区，60公里以内的点对点的仅限持卡人本人使用的服务。 2、具体使用规则以工银e生活“机场高铁出行专区”栏目显示为准。 3、如果兑换点数不足可以通过工行个人综合积分兑换或现金购买相应权益。 4、兑换权益的使用有效期为兑换后一个月内，最晚不超过2019年12月31日，可用点数/可兑换点数兑换权益后不支持退换，过期作废。 |
5.客户可通过“工银e生活”APP查询全球休息室及其他出行服务相关信息，包括服务网络、位置指引、剩余免费使用次数等。2019年以后新启用的工银黑金卡和工银白金卡客户，需待卡片启用3个工作日后查看和使用。
6.免费服务次数使用完毕的工银白金信用卡客户，以及简约白金卡客户和金普卡客户可通过“工银e生活”APP中“机场礼遇”栏目购买单独的机场或高铁贵宾厅服务次数。
7.同一客户如同时满足多项条件，按最高等级卡片配置权益，不累加。
8.账户出现逾期及注销名下所有工银白金卡及以上等级卡片的客户，将无法继续使用剩余免费机场高铁贵宾厅服务次数。
五、 使用流程
快速安检通道直接出示二维码即可使用；礼宾车、代泊代取直接进入线上预定页面。
六、 服务网络
以工银e生活APP显示为准。
七、 使用细则
1.符合条件的工商银行黑金卡、白金卡持卡人进入“工银e生活”APP激活龙腾出行电子会员卡后，持卡人本人即可在自然年内享受机场高铁出行服务。本服务须由持卡人本人使用，可携伴同享，但不得转让或转借他人。
2.使用贵宾厅服务时，同行宾客为2周岁以下儿童，不计入同行宾客人数；2周岁以上的儿童，计入同行人数，如超出免费享受服务的同行宾客人数，将按成人标准收取携伴费用。
3.各贵宾厅服务标准时间为2小时/次，若使用超时，需重新扫码并扣除相应点数。
4.同一客户的贵宾厅的扫码核销的间隔时间要求：以提供餐食为主的餐食体验厅，两次核销间隔时间不得低于5小时；以提供休息为主的机场或者高铁站贵宾厅，两次核销间隔时间不得低于2小时。
5.兑换的接送机/站权益仅限本人使用，使用有效期为兑换当日起一个月，最晚不超过2019年12月31日。可用点数兑换权益后不支持退换，过期作废。舒适型、商务型和豪华型接送机/站每天兑换共计限额100份,每日北京时间10:00和14:00开始兑换，分别限额50份，先到先得，兑完为止。具体兑换和使用方式请以龙腾出行相关规定为准。
6.若遇机场高铁贵宾厅接待饱和的状况，贵宾厅的服务使用权可能会因上述情况而受限制，是否限入将由贵宾厅运营主管决定。
7.由于机场贵宾厅服务资源限制，部分机场无法提供专人提醒登机服务，请自行留意航班动态信息，以防耽误登机。我行不负责持卡人及同行的宾客因延误登机所产生的任何直接与间接损失。
8.关于“龙腾出行”电子会员卡及其他兑换服务凭证的使用、携伴、预定、修改、收费及退款等相关细则，以龙腾出行境内客服：4008821111，境外普通话：+86 513-87199488，境外英文：+886 4-2206-8053 的解释与龙腾出行官方网站公布的最新消息为准。
9.全球贵宾厅及其他兑换服务网络的调整、更新或增加的具体信息以工银e生活APP显示的各服务网络查询内容为准。
10.全球贵宾厅及其他兑换的服务内容和服务时间每个网点不同，具体以现场及龙腾出行相关规定为准。
11.中国工商银行有权对活动中的恶意套利行为进行鉴定并取消持卡人参加活动的资格，情节严重者保留追究法律责任的权利。
协和万邦·九有一心·自强不息
——故宫博物院首款官方授权发行——
● 白金卡免首年年费（活动期内）
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● 故宫图书、文创产品9折优惠
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● 容时容差服务
● 免费送账户安全险+账户安全锁
● 全球机场高铁贵宾厅服务（白金卡专享）
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● 重磅彩蛋—爱购故宫（敬请期待）
故宫博物院门票立减、1元租导览讲解器、“网红”角楼咖啡优惠等
工银故宫联名信用卡·协和万邦
| 红白金 | 蓝白金 |
| 红金 | 蓝金 |
协和万邦·明代
黑寿山石质，象纽方形玺。篆书。《尚书·尧典》云：[克明俊德，以亲九族。九族既睦，平章百姓。百姓昭明，协和万邦。黎民于变时雍。]
工银故宫联名信用卡·九有一心
| 红白金 | 蓝白金 |
| 红金 | 蓝金 |
九有一心·清康熙
檀香木质，立柱纽方形玺。篆书。
[九有]意为九州、中国。《诗·商颂·玄鸟》：[方命厥后，奄有九有]。
[九有一心]，言上下同德，万众一心之意。
工银故宫联名信用卡·自强不息
| 红白金 | 蓝白金 |
| 红金 | 蓝金 |
自强不息·清乾隆
碧玉质，云龙纽方形玺。篆书。
[自强不息]出《周易》：[天行健，君子以自强不息。]
工银故宫联名信用卡（以下简称故宫联名卡）是经故宫博物院官方授权发行的联名信用卡产品,首批发行的故宫联名卡以中华文化瑰宝“明清玉玺”为主题，卡面镌刻了“协和万邦”、“九有一心”、“自强不息”三款玉玺文字，象征了中华民族开放共享的胸怀、同舟共济的文化和勇往无前的精神，配合烫印立金纹饰、彩色卡基等至臻工艺，尽显中华民族传统文化的气度与神韵。
故宫联名卡卡面分为红、蓝两版，发行银联品牌人民币卡，产品等级分为白金卡、金卡，全方位满足不同客群的用卡需求。
● 白金卡免首年年费
2019年3月31日前，成功办理故宫联名卡白金卡的客户，免收首年年费（2000元/年）金卡任意消费5笔免年费
凡成功办理故宫联名卡金卡的客户，年任意消费5笔或累计消费满5000元人民币，免收当年年费
● 故宫图书、文创产品9折优惠
持故宫联名卡在故宫博物院5家指定门店（摛（chī）藻堂店、珍宝馆店、箭亭店、文华殿随展商店、景仁宫随展商店），刷卡购买店内图书、文创产品等，专享9折优惠
条款与细则：
1.以上折扣优惠需持故宫联名卡在故宫指定门店内使用故宫联名卡刷卡支付方可享受。
2.故宫博物院各指定专营门店营业时间以故宫公布为准，地址如下：
故宫书店自营店·摛藻堂店
地址：故宫御花园东北角摛藻堂
故宫书店自营店·珍宝馆店
地址：故宫珍宝馆凝祺门北侧
故宫书店自营店·文华殿店
地址：故宫文华殿东侧本仁殿
故宫书店自营店·景仁宫店
地址：故宫景仁宫前殿东配殿
故宫书店自营店·箭亭店
地址：故宫箭亭武备馆西侧
● 故宫文化零距离AR体验
通过工银e生活APP扫描故宫联名卡正面的ICBC Logo，即可在线体验故宫主题特色AR视频特效，春节期间（2019年1月6日至4月7日），AR视频主题为“故宫陪你过大年”，一卡在手，随时随地亲临故宫过大年
条款与细则：通过手机下载或登录最新版本工银e生活APP，点击右上角“扫一扫”，对准信用卡卡面正面的ICBClogo,调取“AR”功能进行扫描，即可在线体验故宫主题特色AR视频。
● 新客赠故宫文创惊喜福袋
凡通过网络渠道在线首次申办故宫联名卡的新客户，启用后30天内绑卡任意消费一笔即可在“工银信用卡微讯”公众号或工银e生活领取故宫文创惊喜福袋一份，福袋内随机赠送故宫精品文创礼品2-4款（书签、记事本、明信片、杯垫、便签等），每月共送出5000份福袋，先到先得（即将上线，敬请期待）
条款与细则：
1. “新客户”是指：此前从未持有过任何工行信用卡，此次申请故宫联名卡是客户第一张工行信用卡。如以前持有我行信用卡后又注销的客户不算做新客户。
2．工行将于活动上线后，每月初提取上月符合条件的故宫联名卡持卡人（主副卡均可参与），持卡人可在消费次月的10日后在“工银信用卡微讯”公众号或工银e生活领取故宫文创惊喜福袋一份（法定节假日顺延）。
3.本活动期间，工行对符合条件的持卡人进行数据提取时，持卡人卡片账户状态需为正常。因卡片受到管制等原因而不能用卡或卡片逾期等账户状态不正常的持卡人不能参加本活动。
4. 绑卡方式包括：微信支付、支付宝、京东支付、翼支付、百度钱包、苏宁易付宝、网易支付、工银e生活、Huawei Pay、Mi Pay、Apple Pay、Samsung Pay、HCE云闪付。
更多功能与权益
●容时3天
还款宽限天数3天，即为持卡人提供3天的还款宽限期服务，持卡人在到期还款日后3天内还款时，视同持卡人按时还款
●容差10元
当期应还款宽限差额10元，在到期还款宽限日（到期还款日+宽限期），上期账单全部应还款项未还部分小于或等于10元时，视同当期按照持卡人已全额偿还计息
注：故宫卡适用《牡丹信用卡领用合约（个人卡）》第三条约定的“特殊计息”方式，未在到期还款日（含）前全额偿还当期应还款项的，应对透支交易（包括已偿还部分）支付从银行记账日起至还款日止的透支利息。
● 免费账户安全险+账户安全锁
当月任意消费一笔，即赠次月覆盖名下所有工行信用卡的保额高、理赔快的账户安全险，白金卡最高赔付5万元，金卡最高赔付3万元；享掌上自助上锁、实时短信提示、回复即可解锁服务，消费更便捷，用卡更安全。通过“境外锁”“地区锁”“夜间锁”“境外无卡支付锁”和“限额锁”等五把锁，全面防控盗刷风险
条款与细则：
1.保险期间内，若您名下工银信用卡由于丢失、被盗、被复制，或您在被胁迫的状态下将工银信用卡交给他人使用、或将银行卡号及密码透露给他人，导致您的工银信用卡被他人通过银行柜面、或ATM机、或POS机、或互联网交易盗取或转账而遭受资金损失，对于卡片挂失前120小时的交易，保险公司将为您提供保险赔付。权益到期后，请以我行官网最新活动公告为准。
● 全球机场高铁贵宾厅服务
2019年12月31日前，新办故宫联名卡白金卡并启用，即赠龙腾出行点数6个，可兑换全球贵宾厅权益或机场接送机（站）、快速安检通道、代泊代取等权益，次年根据客户消费达标进行权益升档，详情可登录 “工银e生活”App点击“机场高铁出行专区”查询
条款与细则：
1.成功申办故宫联名卡白金卡的客户启用后，可在5个自然日后登录“工银e生活”App，点击 “高端专享”栏目——“机场高铁出行专区”查询并使用该项权益。
2．所赠龙腾点数可用于持卡人本人或携伴使用机场贵宾室服务时使用，也可用于兑换机场接送机（站）、快速安检通道、代泊代取等服务。
3．扣点规则：机场贵宾室服务1点/人次，高铁贵宾室服务0.5点/人次； 舒适型接送机（站）2点/次，商务/豪华型接送机（站）3点/次；快速安检通道2人次1点/次；代泊代取3天包1点/次。
●绑定微信、京东支付享积分
绑定微信、京东支付消费即可累积工商银行个人消费综合积分，积分可在工银e生活或e支付商户消费时抵扣现金
●重磅彩蛋——爱购故宫
故宫博物院门票立减、1元租用导览讲解器、“网红”角楼咖啡优惠等
（敬请期待）
●工银e生活
下载工行信用卡专属APP——“工银e生活”，即可专享话费充值、流量充值、景点门票、外卖、电影票、游戏充值等吃喝玩乐全5折，新客专享88元大礼包，天天低价全场随机立减10元等优惠福利。
●其他金融服务
循环信用，最长56天充裕免息还款期
个人信用消费贷款
人性化密码选择功能
电话、POS、柜面、网银等多种分期付款方式
24小时手机银行、网上银行、电话银行
电子对账服务
积分回馈计划
●工银信用卡合伙人
推荐亲友办卡，最高可享10000元返现！亲友更可享爱购新客好礼。扫描下方二维码或微信关注“工银信用卡微讯”公众号，点击“我要福利”-“合伙人计划”立即参与！
| 推荐新客户人数 | 奖励 | 活动时间 |
| 200 | 10000元返现 | 即日起至2019年3月31日 |
| 150 | 4999元返现 | 即日起至2019年12月31日 |
| 30 | 1000元返现 | 即日起至2019年12月31日 |
| 5 | 150元返现 | 即日起至2019年12月31日 |
| 1 | 融e购20元代金券 | 即日起至2019年12月31日 |
| 首次参与并推荐新客户1人 | 工银e生活50元话费充值券 | 即日起至2019年3月31日 |
老司机也会中招的ETC卡被盗刷
最近总是听到一个段子
说的是如果你在路边看见
西装革履的人来偷瞄车窗
请不要以为他们是要向
你推销房子的地产中介
他们只是被银行下了ETC指标的工作人员
不是老司机的宝宝们可能会一脸懵逼
这是什么梗？什么是ETC？
其实，ETC简单来说就是
一个快捷收费通道
较人工通道来讲
可实现不停车收费的一个专用通道
像我们在高速路口的时候
会看到有一条写着ETC通道的路口
想要走ETC通道
那就需要先办理一张ETC专用卡
与之配合的是一套ETC专用设备
一同安装在前挡风玻璃上面
在车辆靠近收费站的时候
可以释放出无线电波
从而和ETC通道（和银行后台连接）
进行短时的通讯
达到一个自动扣费的目的
老司机都知道，平时开车出高速路口
特别是节假日过
高速人工收费通道总会堵得心塞
然而使用ETC可以减轻车流
降低堵车风险
同时也可以减轻收费站工作负担
节省人工成本
所以，我国要求今年年底
全国ETC收费道口要普及达到90%以上
在机场、火车站、客运站
港口码头等大型交通场站停车场
还是居民小区、旅游景区等
停车场所都会使用ETC的
可想而知有了ETC之后会有多方便
但是呢，有一些不法分子
就看到了“赚钱”的商机
就在7月14日下午的时候
有一位家住西安昆明路的吕先生
就收到银行短信
发现自己绑定私家车ETC的银行卡
被人刷走了三笔总计2000元钱
之后，吕先生查找监控发现
一名男子事发时进入小区车库附近转悠
手持一个设备
对多辆车的ETC装置进行扫描
原来，吕先生被盗刷的卡
就放在车内的ETC装置上
并且开通了
一千元以下免密支付功能
这才让不法分子有机可乘
只要不法分子手持POS设备
滴一声，你的钱就被刷走了
那么，很多车主宝宝们就开始害怕了
原本怕被盗刷所以一直没装
可现在国家强制要安装ETC
这安全问题咋办啊
其实啊，并非所有类型的ETC
都存在被盗刷的可能性
一般情况下我们需要
针对不同类型的ETC卡来分析一下
哪种ETC卡存在被盗刷风险？
目前使用的ETC卡主要有三种形式：
第一种是交管部门自己发行的单用途ETC卡，不具备金融功能，与银行体系不兼容，所以不会被银行通用的POS机随随便便就刷得走钱的，不存在盗刷风险。
第二种是交管部门与银行联合发行，客户这一头依然是只有一张交通行业单用途ETC卡，然后和自己的银行借记卡绑定，车上使用的ETC卡也一样不具备金融功能，所以也不存在盗刷风险。
第三种叫做“联名卡”，这是交管部门与银行联合发行二合一的卡片，一般都带有“闪付”功能。如果这类卡带闪付功能且开通了“小额免密免签”，则存在被盗刷的风险。
如何避免ETC卡被盗刷？
1、关闭小额免密免签功能。如果你使用的是带金融功能的银行卡作为ETC卡，则建议关闭“小额免密免签”功能，关闭后不影响公路通行。
2、不使用时不插卡、下车拔卡。开通闪付功能的ETC卡，不使用时不插卡，使用后下车一定要把卡拔下来，卡片随身携带。
3、开通短信提醒。ETC信用卡使用者，最好开通短信提醒功能，万一被盗刷，马上就能知道。
4、提示在发现被盗刷后，及时取证并报警。
最后跟大家总结一下
如果不法分子想要盗刷你ETC的话
必须满足两个条件
第一是你的ETC里插入的是“联名卡”
而非ETC专用储值卡
第二是你的“联名卡”还开通了闪付功能
如果这两个条件都满足的话
那盗贼就可以轻松盗刷走你们的钱啦
所以啊，各位车主宝宝们
赶紧去看看自己的ETC卡是哪种类型的吧
如果是“联名卡”有闪付功能的话
记得一定要关闭小额免密付款哦
出门在外多处都要留些心眼儿
才能保护好自己的财产安全哦～
信用卡安全用卡5大重点
（一）保障ATM操作安全，四要点
1.在ATM上查询、取款时，要留意周边环境，谨防密码被偷窥；
2.选择打印ATM交易单据后，要妥善保管或及时处理、销毁，不要将其随手丢弃；
3.操作ATM出现机器吞卡或不吐钞时，要原地直接拨打银行客户服务热线进行求助；
4.要认真识别银行公告，千万不要相信要求客户将钱转到指定账户的公告。
（二）保证刷卡消费安全，五步走
1.要在正规商户进行交易，刷卡消费时请勿让银行卡离开自己视线范围，要留意收银员的刷卡次数，避免误刷多刷；
2.在刷卡消费输入密码时，应尽可能用身体或另一只手遮挡操作手势；
3.签署签购单时，要仔细核对是否是本人的卡号、日期和金额，如发现有误，应要求收银员当面撕毁凭证并取消交易；
4.交易完成时，要确认收银员交还的是否是自己的银行卡，并保存好签购单，以便日后与对账单核对；
5.开通短信提醒服务，及时掌握账户动态信息，当账户发生异常变化后，要及时联系发卡银行查询交易，一旦发现被盗刷，应及时申请冻结账户和挂失卡片，避免损失扩大。
（三）保证网上支付安全，七应该
1.网上交易前应确认网址是否正确，要选择信誉好、运营时间长的网站进行银行卡网上支付业务；
2.完成网上交易后，应及时退出，避免发生后续风险交易；
3.在进行境外网上交易时，应通过安全途径，开通相关认证服务；
4.应避免通过公用WIFI进行支付，不在网吧等公共场所进行网上交易，以免泄露账号及密码等信息；
5.应注意不要扫描来源不明的二维码、登录不明网站，避免被不法分子植入木马病毒。
6.办理网络购物、网络退货、退款时，应认清官方渠道，切勿轻信不明身份的电话、网络聊天工具或其它形式提供的非正规的网络链接；
7.收到可疑手机短信时，应谨慎确认，如有疑问应直接拨打银行客户服务热线查询。
（四）发现信用卡被盗刷，四应对
1.一旦发现信用卡被盗刷，请立即致电发卡银行官方客服电话报告异常交易，及时冻结账户或挂失卡片。
2.立即在就近的ATM或POS上进行一笔刷卡交易，证明卡片在您身上未丢失，如果卡片已经冻结或挂失，刷卡不会成功，通过ATM机交易时卡片可能会被吞卡，此情况为正常现象，请按ATM机所属银行的相关规定进行后续处理即可，无需惊慌。
3.立即向当地公安部门报案，积极配合公安机关开展调查，联系发卡银行办理异议交易申请及相关手续等。
4.如您的网银、电话银行、手机银行等设置的密码与被盗刷卡片密码相同，建议您尽快修改用户名和密码等，以防其它账户被盗。
（五）安全用卡12条
1.芯片卡（金融IC卡）的安全性远高于磁条卡，因此首先建议您尽快将手中磁条卡升级为金融IC卡。
2.开通短信、微信提醒功能，可以第一时间发现账户收支详情。
3.使用卡片前，要在卡背面签好姓名，防止错拿与被不法分子调换
4.不得出售借记卡，也不要将卡片转借他人或将密码告知他人。
5.刷卡消费时，不要让卡片离开视线范围，使用密码交易时防止被他人偷窥。
6.不要设置较为简单的密码，如112233、123456等，更不要将密码存在手机中或卡背面，也不要将第三方密码作为借记卡密码。
7.不要使用公共wifi接入手机银行、网上银行等，使用完网银及时退出。
8.警惕钓鱼网站，对于有奖链接、不熟悉网友的链接等不明网址不要轻易登录。
9.取款存条不要随手丢弃，以防被不法分子获取个人相关信息。
10.不贪小便宜，警惕街边以及小摊刷卡。
11.刷卡消费后，一定要核实刷卡记录上的刷卡信息与POS单上的商户信息是否相符。
12.如发现银行卡被盗刷，应第一时间报警，并与银行或第三方支付平台进行联系，及时冻结资金，最大限度保证资金安全。
Midyear Review: 5 Lessons for Commercial Real Estate in 2019
Halfway through the year, we revisit the trends, challenges and opportunities facing commercial real estate owners and investors—and how things have changed since the beginning of 2019.
At the beginning of 2019, we anticipated a slowdown in growth across all commercial real estate (CRE) asset classes for the rest of the year. But six months in, we’ve been met with pleasant surprises. Due in part to an unexpected decrease in mortgage rates and a persistently strong US economy, the CRE market has enjoyed continued growth in the first half of 2019.
These positive trends are likely to continue through the rest of 2019, although CRE owners should remain prudent and prepare for an eventual correction in the US markets. Here are several important lessons for CRE investors at the midpoint of 2019.
1.Mortgage Rates and Economy Are Providing an Unexpected Boost
As the year began, the Federal Reserve was expected to continue regular interest rate hikes. In March, however, Fed Chairman Jerome Powell indicated the central bank was taking a wait-and-see approach on further rate increases this year. This boosted demand for Treasurys and drove down mortgage rates, an unexpected but welcome surprise for the CRE industry.
Meanwhile, the US economy continues to perform well. Unemployment fell to 3.6 percent in May—the lowest rate in nearly 50 years—and wages are expanding. Although the economy will eventually see a correction, it seems unlikely to happen this year.
2.Optimism Continues Across Most Asset Classes
The four CRE asset classes (office, industrial, multifamily and retail) are in a healthy environment. Growing wages are beneficial for rents in the multifamily asset class, particularly in the largest metro areas, where rent constitutes an outsized portion of renters’ income. One area to watch is rent concessions on Class A apartments. During the previous six to nine months, investors have seen some concessions—but given higher rents for high-end units, these concessions aren’t currently having a large impact.
As we noted at the beginning of the year, the office class has finally recovered from the 2008 recession; it has continued to enjoy growth halfway through 2019. The industrial class is performing well in every market, driven by e-commerce business demand for space in proximity to major metro areas. As Amazon, Walmart and other companies increase online sales, they require more industrial space to house the logistics of distributing online purchases.
The trends in online shopping continue to pressure the retail class, although there is nuance. As consumers shift away from shopping at mall anchors, the Class B and Class C malls are challenged to attract retailers and shoppers alike. However, some retailers are using innovative tactics that blend online, mobile and brick-and-mortar strategies, which are fueling positive trends for A-class retail properties.
3.Millennials Still Lead the Push Toward Urban Living
The millennial generation and those behind it continue to show a strong preference for living in vibrant metro areas. In most markets, millennial renters typically value proximity to work and social activities over building space or amenities. The greatest increase in value in the multifamily asset class is found in major cities, owing largely to these millennial renters.
In the highest-paying job markets, one challenge is that there isn’t enough affordable housing to accommodate demand. Additionally, there’s limited need for the high-end multifamily buildings that are being built today—instead, younger renters in every market are moving into potentially less developed urban areas to find more affordable housing.
Notably, while the millennial cohort’s renting preferences are largely consistent across the country, some older millennials in markets such as Pittsburgh and Cincinnati are following the more traditional renter-to-buyer cycle and are purchasing homes in suburban areas.
4.New Construction Provides Challenges and Opportunities
Incentives in the 2017 Tax Cuts and Jobs Act may help address the growing demand for affordable housing. The Opportunity Zones program provides tax incentives for investing in low-income communities. For investors, the program is an opportunity to save on capital gains while developing units in areas where it might otherwise be difficult to build. And it’s not just housing. New retail properties, such as grocery stores, simultaneously cater to the local community and catalyze further investment and economic activity.
While these and other CRE investments offer big opportunities, one dominant challenge is the shortage of skilled labor. As baby boomers exit the workforce, younger generations eschew skilled trades and immigration policies restrict new workers from entering the country, there’s an intense need for labor—not only for new construction, but also for things like renovation and maintenance.
5.The Down Cycle Isn’t Here Yet, but It’s Coming
The economic data and trends in the CRE industry overall don’t suggest a looming correction, despite some concerns in late 2018. That said, the current cycle will end at some point, and rates will eventually increase. Knowing that, investors can plan ahead. CRE investors should stress test frequently to ensure they can withstand cash flow pressure if a correction occurs. They should also ensure they aren’t overleveraged in order to be able to weather a modest downturn and prepare for the next cycle.
With our long-term experience in CRE, we constantly plan and prepare for an unforeseen downturn—even a potentially severe one—so that we’re always in a strong position to help our clients take advantage of the cycle. Even as CRE investors seize opportunities growing out of low rates and a strong economy, they should also continue to prepare for future opportunities by managing their debt and expenses and building the liquidity they need for the long term.
Mid-year Market Outlook 2019: Central Banks Stay Easy and in Sync
Key themes for investors in the second half of 2019, as global central bank easing becomes more synchronized.
July 5, 2019
Bond and equity markets have had a good first half of the year, boosted by dovish monetary policy from the world’s central banks, with the S&P 500 hitting another fresh record high. Following the June 2019 G-20 summit, where a U.S.-China trade truce was agreed for the time being, asset prices should be supported for the remainder of the year. Low single-digit returns are expected across most asset classes, as the global economy slips slowly into sub-trend growth and valuations are less attractive. In this report, the J.P. Morgan Research team explores how investors should be positioned for the second half of 2019 as central bank easing becomes more synchronized.
Global Growth
The dovish shift in global monetary policy continues to deepen, with macroeconomic policy support coming from the Federal Reserve’s (Fed) pivot and China’s fiscal easing. The Trump administration’s willingness to actively use trade barriers as a tool of broader foreign policy remains a key risk to monitor, despite the agreement to a second truce between the U.S. and China on trade negotiations. The business sector response to this assault, rather than the direct impact of higher tariffs, poses the greatest threat to global growth.
“We have consequently downgraded global growth forecasts further. At the center of this storm, we have lowered GDP growth for the U.S. and China by an annualized 0.5 percentage points for the remaining quarters of 2019 and recently reduced second quarter U.S. GDP growth to 1.25%,” said J.P. Morgan Chief Economist, Bruce Kasman.
Similar drags on growth are set to follow in other parts of the global economy and the central bank policy reaction is expected to be straightforward. China is committed to maintaining 6% growth and will respond to any slowing with further easing. In the U.S., the Federal Open Market Committee (FOMC) is ready to respond to slowing GDP and job growth, with J.P. Morgan’s Economic Research team now forecasting two rate cuts later this year—one in July and another in September. A large number of central banks will likely follow suit, including the European Central Bank (ECB), Bank of Japan (BoJ) and 13 emerging market (EM) central banks.
For the U.S., recession risks for the next twelve months have consequently risen— from roughly 25% last fall to around 45% currently.
Bruce Kasman Chief Economist, J.P. Morgan
“These additional policy supports, alongside healthy private sector fundamentals, underlie our view that the latest shocks won’t tip the global economy into recession. However, even a healthy expansion can be thrown off course if buffeted by a large enough shock. For the U.S., recession risks for the next twelve months have consequently risen—from roughly 25% last fall (September 2018) to around 45% currently,” said Kasman.
The annual pace of global GDP growth in 2019 is now forecast at 2.7%, with the U.S. and euro area expected to come in at 2.4% and 1.2% over the same period respectively, according to J.P. Morgan estimates.
Equities
In total, J.P. Morgan now expects six developed market (DM) and 13 EM central banks to ease in the latter half of the year. Policy rates are estimated to decline by a GDP-weighted average of 29 basis points (bps) for DM central banks and 31 bps for EM central banks.
This central bank dovishness, along with low positioning should support global equities through the global slowdown, but trade uncertainty remains the single largest source of downside risk. Existing tariffs are already pressuring profits, but this has been offset partially by the impact of the Tax Act so far. Companies will likely address this tariff impact in the upcoming reporting season with lower growth estimates. J.P. Morgan forecasts 2020 earnings per share (EPS) of $178 compared to a consensus of $186.
We maintain our cautiously positive stance on equities and keep our S&P 500 price- target at 3,000 given our base-case view that trade tensions do not escalate into a stand off.
Dubravko Lakos-Bujas Head of U.S. Equity Strategy, J.P. Morgan
“We believe additional round of tariffs would increase the risk of pushing the U.S. business and profit cycle into an outright contraction. Had the phase three tariffs materialized, we estimated the first-order impact to be an additional hit of around $4 (cumulatively around $9) to S&P 500 EPS over one year,” said J.P. Morgan Head of U.S. Equity Strategy, Dubravko Lakos-Bujas.
J.P. Morgan Research maintains its positive stance on equities and keeps its trade probability-weighted S&P 500 price-target at 3,000, given the base case view that trading tensions do not escalate into a standoff. However, if trade talks fully collapse and phase three tariffs are implemented without any indication of rollback, the S&P 500 could decline closer to 2,500, triggering both the “Trump Put” and “Fed Put.” In a more positive scenario of a trade deal and tariff rollback, earnings should see positive revisions with the S&P 500 reaching around 3,200. Regionally, J.P. Morgan Research maintains its preference for the U.S. versus Europe, despite a large 15% outperformance over the last year. In Asia, J.P. Morgan Research recently moved overweight Japan equities.
“We have been cautious on Japan for a while, but have recently upgraded the country to overweight as the region has lagged and positioning in Japan is very light. While we believe Chinese policy stimulus will be effective, we are neutral emerging versus developed markets going into the second half, given unexciting valuations and continuing trade concerns,” said Head of Global and European Equity Strategy at J.P. Morgan, Mislav Matejka.
Cross-Asset
Four key macro and policy themes are set to influence markets at different speeds for the second half of the year and into 2020:
“As easing from both China and the Fed can probably offset the impact of current tariffs and prevent a 2019 recession, asset allocation remains cyclical. We are looking at this mainly through a preference for equities versus fixed income at the moment,” said Head of Cross-Asset Fundamental Strategy, John Normand.
Central bank policy has eroded most carry in bonds – the yield of the bond minus the financing or the cost of owning a bond – which means income-seeking investors have no choice but to own assets with returns that are much more cyclical than they might prefer.
As easing from both China and the Fed can probably offset the impact of current tariffs and prevent a 2019 recession, asset allocation remains cyclical.
John Normand Head of Cross-Asset Fundamental Strategy, J.P. Morgan
“We hold equities versus credit rather than bonds to reduce risk to the global business cycle and we hold no net exposure to emerging markets,” added Normand.
Commodities
Traditionally, low growth and inflationary environments tend to be negative for commodities. The Organization of the Petroleum Exporting Countries (OPEC+), the oil producer group that pumps more than half of the world’s crude along with its allies, has resolutely adhered to its commitment to help balance markets since the end of 2016. J.P. Morgan Research expects this commitment to remain in the current fragile market as suggested by discussions between the Saudi and Russian leaders at the June 2019 G-20 summit.
“As long as demand does not crater, heightened geopolitical risks and OPEC+ cuts should still be enough for oil to provide positive returns for the latter part of this year,” said J.P. Morgan Head of Oil Market Research and Strategy, Abhishek Deshpande. The July OPEC summit, along with Iran tensions, should keep Brent in the $60 per barrel range. U.S. natural gas, on the other hand, looks more vulnerable, as it gradually shifts from supply-driven to supply-demand dynamics, given the growing links to economies abroad.
Source: J.P. Morgan estimates the S&P GSCI ER index and the BCOM ER index to return 9% and 6% respectively.
Bullish second half forecasts for oil, agriculture and precious metals should push broader commodities indices around
over the balance of the year.
6-9% higher
In metals, “safe haven” precious metals have historically held up best in low growth environments, while demand-driven base metals face the highest risks to the downside.
Current Fed policy should support the gold price above $1,400 per ounce. At current spot levels, base metal prices are still too rich versus global growth — a valuation gap that should further close if growth does not recover, according to J.P. Morgan estimates. Similar to oil, supply-sensitive agriculture products still have upside potential for the second half. All in all, bullish second half forecasts for oil, agriculture and precious metals should push broader commodities indices around 6-9% higher over the balance of the year.
Rates
U.S. rates markets are pricing in a more dovish path for the Fed than J.P. Morgan current forecasts, which could lead to the market continuing to price an aggressive path in the second half of the year. The FOMC has less room to ease than in past cycles and Fed Chair Jerome Powell has indicated a willingness to act more aggressively because of this binding constraint. The Committee is also very focused on keeping inflation expectations anchored.
“We see further room for yields to decline over the balance of the year and we forecast a decline in 2-year and 10-year Treasury yields to 1.40% and 1.75%, respectively, by year-end,” said J.P. Morgan Head of USD Government Bond Strategy, Jay Barry.
The second half of 2019 will also bring synchronized easing across DM central banks, with the ECB and the BoJ following the expected Fed rate cuts.
Elsewhere in Europe, the Bank of England and Scandinavian central banks are on hold. The universe of negative-yielding bonds has increased to 27% of the Global Aggregate Bond Index (GABI), up nearly 10 percentage points from October 2018. Geopolitical risks and Brexit will remain in the spotlight, with a late focus on Italy because of expected general elections and a demanding 2020 budget. In the Euro area a 10 bps cut in the deposit rate is expected in September without tiering, but Euro area rates will be mostly driven by the market pricing an increasing probability of further easing.
We see further room for yields to decline over the balance of the year and we forecast
respectively, by year-end.
a decline in 2-year and 10-year Treasury yields to 1.40% and 1.75%,
Jay Barry Head of USD Government Bond Strategy, J.P. Morgan
Currencies
In foreign exchange markets, recent global macro developments are constructive for safe reserve currencies and negative for lower yielding high-beta currencies. But overall it is a muddied picture for the broad dollar index. Historically, the USD does well on a broad trade-weighted basis whenever global growth is weak or weakening, irrespective of whether the U.S. economy itself is decelerating, the Fed cuts rates or indeed there is even recession.
The dollar is not expected to appreciate against all currencies as the Fed lowers rates, with other safe-haven currencies likely to outperform in an anti-cyclical easing phase.
“This club of alternative safe-havens [that could outperform the USD] is exclusive and membership is probably confined to the Japanese yen and the Swiss franc,” said J.P. Morgan Head of Global FX Strategy, Paul Meggyesi.
The Swiss franc is usually the single best performer in a Fed easing cycle whereas the yen’s track record is much patchier. Both currencies together with the dollar are historically very effective hedges to either a U.S. recession or a sharp global downturn.
The Swiss franc is usually the single best performer in a Fed easing cycle whereas the yen’s track record is much patchier.
Paul Meggyesi Head of Global FX Strategy, J.P. Morgan
Emerging Markets
Since the breakdown of U.S.-China trade talks in early May resulting in tariff increases, the macro outlook has been in flux with growth forecasts lowered. J.P. Morgan Research forecasts broadly stable emerging market (EM) GDP growth of 4.5% in the second half of the year, but this view is overshadowed by heightened uncertainty and significant downside risks.
Given the risks to the growth outlook along with dovish revisions to developed market (DM) policy rates, policy easing across EM is now expected.
“The tension between weaker growth and a reactive Fed keeps us defensive, but not overly bearish EM fixed income in in the second half of the year,” said J.P. Morgan Head of Currencies, Commodities and Emerging Markets, Luis Oganes.
Source: J.P. Morgan estimates
EM growth of
is forecast for the second half of 2019
4.5%
“We do not assume a repeat of EM equities sell-off seen earlier this year — the support arsenal is there if things get worse. Additional policy supports like further China easing and Fed rate cuts could break negative feedback loops,” added J.P. Morgan Chief Emerging Markets Equity Strategist, Pedro Martins Junior.
Payments Fraud Activity Surged in 2018
According to the Association for Financial Professionals’ 15th annual Payments Fraud and Control Survey, payments fraud is becoming increasingly pervasive. Fraudsters are highly focused on infiltrating payments technology. While technology advancements can optimize and simplify processes, they can also provide a means for perpetrators to attack payment methods, commit financial crimes and inflict extensive damage. Learn how businesses are protecting themselves.
APR 19, 2019
Payments Fraud Sets Record High for Third Year Straight
The last four years of the survey have recorded a dramatic increase in payments fraud activity. Last year saw the highest rate on record, with 82 percent of financial professionals reporting that their companies were targets.
Larger Organizations at Higher Risk of Attacks
Experienced Payments Fraud Attacks in 2018
69%
Annual Revenue Less Than $1 Billion
87%
Annual Revenue At Least $1 Billion
Check Fraud Drops Slightly, but ACH Fraud Increases
Though checks and wire transfers continued to be the largest targets for fraud, the percentage of these scams decreased. On the other hand, fraudulent ACH debits and credits increased—an indication that fraudsters are developing more sophisticated attacks, as ACH transactions are often more difficult to compromise.
Email Scams Grow More Sophisticated
Business email compromise (BEC) targets businesses and individuals responsible for initiating payments. Eighty percent of organizations were exposed to BEC scams in 2018—the highest number on record.
BEC tactics continue to evolve, but respondents reported the following common attacks by fraudsters:
81% Using spoofed email addresses to pose as senior executives directing a transfer of funds
44% Impersonating vendors in emails, directing payments based on authentic invoices
33% Pretending to be other third parties in emails, requesting changes in bank account, payments instructions, etc.
Other ways financial professionals are protecting their companies include:
88%
use Positive Pay to verify the authenticity of checks
72%
segregate accounts
68%
perform daily reconciliation of check activity
65%
perform daily reconciliation of ACH debits
Last month’s slim job growth seemed to bolster the theory that the economy is slowing down—but with structural changes to the workforce taking place over the last several years, it’s natural for job growth to start to slow even as the economy continues to expand.
BY: JIM GLASSMAN, HEAD ECONOMIST, COMMERCIAL BANKINGJUN 12, 2019
Job creation fell sharply in May. The economy added just 75,000 jobs for the month, far short of the 200,000 monthly job gains that have come to seem typical over the past decade. While a single month’s report could always be a statistical anomaly, the cyclical forces that have driven above-trend demand for labor over the past decade are fading.
As the labor market draws tighter, structural demographic forces are likely to act as a brake on job growth. The economy’s sustainable rate of job creation may be significantly slower than what we have grown accustomed to, but a hiring slowdown doesn’t necessarily signal a loss of economic momentum.
The workforce’s growth rate has slowed dramatically since the 2008 recession. The outsized baby-boom generation has reached retirement age, and the growth of the working population has slowed. In the 1990s and early 2000s, nearly 200,000 potential new workers were entering the job market every month; today, that number is only about 65,000.
Until recently, this demographic shift has been masked by cyclical forces. The recession created a tremendous amount of slack in the labor market, allowing the economy to defy demographics and maintain an above-trend pace of job creation for almost a full decade. Hidden pockets of unemployment and underemployment have been slow to evaporate, but almost all of the recession’s discouraged workforce dropouts have now returned to the job market and the number of involuntary part-time workers has dropped to a level consistent with past periods of full employment.
With headline unemployment nearing a 50-year low and 7.5 million job openings currently going unfilled, it’s possible that the labor market has finally drawn tight. As the last of the recession’s slack disappears, job growth will likely be limited by demographic forces. The rate of job creation should move toward a sustainable average of 50,000 to 75,000 new jobs monthly.
There’s no certainty that May’s jobs report marks the beginning of an inevitable hiring slowdown. Monthly job creation reports are inherently volatile; over the past decade, monthly hiring has fallen below 75,000 on seven occasions. On those occasions, weak hiring was immediately followed by a strong rebound, with subsequent months bringing a return to six-digit job growth. The same pattern could repeat this summer.
It’s difficult to measure the amount of slack remaining in the labor market. For example, a small rise in the labor force participation rate could expand the potential workforce and enable hiring to resume its previous rate for some time. Immigration reform could also enlarge the workforce; the addition of foreign-born workers already in the prime of their careers would lift the economy’s sustainable rate of job creation. However, if nothing changes, employment growth will likely moderate at the top of the business cycle.
When job creation does eventually slow to a sustainable pace, it won’t necessarily be a signal of economic distress. Paradoxically, it could actually benefit workers—a tight job market should lift wages as the demand for labor outpaces the available supply. If the hiring slowdown isn’t accompanied by a spike in layoffs, it will likely be a sign that the economy is leveling off to a sustainable growth rate through the top of the business cycle.
However, without a surge in worker productivity, a slowly expanding workforce likely will constrain GDP growth. Aggregate production is limited by the supply of labor, and as the labor market tightens, expanding businesses will begin to face staffing challenges. Throughout the recovery, consumer demand has guided most decisions about growth—if the customers were there, businesses had few reasons not to add shifts and open new locations. But a lack of available workers could act as a brake on growth.
This adjustment to demographic reality shouldn’t damage the economy—full employment could bring about a slower, more sustainable growth rate, but that doesn’t mean businesses are in distress. When the economy is operating at its full potential, slower aggregate growth should be accompanied by prosperity spread throughout the workforce.
摩根大通悦读计划 – 第20届摩根大通悦读计划：揭开新的一章
2019：高瞻远足，开创先河
抗撃世界贫困问题的新曙光。科技与人类的完美结合。带领您到世界的不同角落，与您探索一些鲜为人知的精彩领域。摩根大通悦读计划2019收录的作品，引领我们反思世界当前面对的各种变化与挑战，歌颂奋力为世界带来积极改变的杰出人物。当中不少作品是由女性作家亲述或共同编撰的励志故事，娓娓道出她们克服艰难险阻的不平凡经历。衷心希望这些为摩根大通客户顾问带来了深刻体会和无尽欢乐的作品，也能够给您带来启发和乐趣。
张倩仪《当今丝路人文风景》
随着新丝路、一带一路、印太战略的提倡，沉寂多时的丝绸之路再次踏上历史舞台。爱读历史、经常游历世界各地的资深出版人张倩仪，深入印度、中亚各国、伊朗、土耳其以至非洲等地，在本书中尝试打破西方社会预设的刻板框架，从源头开始，追溯海陆丝路涉及的国族、历史、信仰、风俗、文化和美艺。作者把所识结合亲身见闻、国际时局，提炼出独特而贴地的视角，梳理丝路古国在世界的角色和影响，进而探讨它们在世界新局下的人文面貌和不同出路，以至这片土地跟中国千丝万缕的关系。
作者：虽然各方新元素并起，但丝路古国的纷扰都有个主轴，丝路古国有同一个目标──复兴。海陆两条丝路涉及的国族、历史、信仰、风俗、文化美艺，纷繁复杂，喜欢的人会觉得引人入胜，只想做生意的，可能茫无头绪。
Dylan Thuras、Rosemary Mosco《Atlas Obscura： 为世界上最具冒险精神的孩子准备的探险指南》
《Atlas Obscura》这本冒险指南，将会带领年轻探险家去到地球上遍布七大洲合共47个国家一些另人叹为观止的神秘地方，展开一场通往奇妙世界的探险旅程。打开这本书，可以探索闪闪发光的洞穴、参观世上最大的树屋、看看拥有多达900种口味的冰淇淋店……这些奇观妙境能够令各年龄段的读者流连忘返，如痴如醉。这本老少皆宜的环球探险指南将基础知识、历史、地理和文化完美融合，同时充满了趣味和惊喜。祝您一路平安，旅途愉快！
作者：世界充满了奇妙的事物和令人好奇的相互联系……相距遥远的国度有着超乎人们想象的共同点。当你远赴地球的另一端饱览壮丽美景的同时，亦能感受到一种故乡的亲切感。
Sarah Rose《为武装抵抗、瓦解纳粹和二战胜利做出重要贡献的诺曼底女间谍们》
在扭转二战局势的诺曼底登陆战役发生之前，盟军面对的是一个看似锐不可挡的德国。在当时的情况下，特别行动执行处需要采取一项史无前例的行动—招募39名女间谍从事瓦解、破坏敌军和情报刺探工作，为盟军诺曼底登陆战役的胜利铺路。在诺曼底登陆75周年纪念日即将到来之际，Sarah Rose对这些默默无闻的二战女英雄可歌可泣的事迹开展了严谨的研究和细致的记述。这些扣人心弦的记述堪比间谍小说的剧情和动作场面，而这一切却都是活生生的历史事迹。
作者：第二次世界大战成功激发了英国老百姓前所未有的勇气和毅力。当敌人兵临城下、大军压境时，他们展现出背水一战、保家卫国的决心和勇气。这些普通公民的非凡勇气和顽强精神值得永远铭记。
Gabriela Cámara《我的墨西哥城厨房： 菜谱与信念》
著名的餐厅老板和主厨Gabriela Cámara利用自己的创新风格、新鲜食材彻底改变了墨西哥城的餐饮文化。她的两家人气餐厅—位于墨西哥城的Contramar和位于旧金山的Cala—都成为了许多人趋之若鹜的美食目的地，充分展现出经营者的创意和巧思。在本书中，Cámara讲述了自己的创业故事并分享了她的一些私房菜秘籍，为全球美食家呈现了墨西哥经典佳肴（安其拉达和塔可饼）与创意料理（美味的玉米布丁和吞拿鱼酥）的完美融合。
作者：与家人一起下厨烹饪并共享美食是我目前最大的爱好。正因如此，精心烹制的家常小菜往往比酒店大餐更加美味。我们不仅能够清楚掌握食材的来源，而且还能亲自挑选食材，为家人精心炮制一顿爱心满满的佳肴。
Clayton Christensen、Efosa Ojomo和 Karen Dillon《繁荣悖论: 创新如何帮助国家脱贫》
在本书中，Clayton Christensen、Efosa Ojomo和Karen Dillon共同探讨了贫困这一全球最顽固、最棘手的问题。尽管发达国家给予了无私的帮助并投入了巨大的资源，但许多受援国家事实上却变得更加贫困。Christensen、Ojomo和Dillon深入分析了导致这一困境的诸多因素，并在总结全球创新成功经验和模式的基础上提出了一个可持续发展的路径选择。
作者：山穷水尽疑无路，柳暗花明又一村。无论是积极推动改变的政府、政府资助组织及其他发展机构还是在黑暗中摸索的创新者和企业家，都应学会从绝望中看到机会，永不轻言放弃。
Sarah Baxter 和 Amy Grimes《文学场所 （灵感旅游指南）》
阅读常常带领我们进入全新、未知的世界—这本图文并茂、令人印象难忘的旅游指南就是一个完美的例证。在本书中，旅游记者Sarah Baxter通过一些现代历史上最著名、最具情感冲击力的著作让读者体验了一次丰富多彩的环球之旅。从Naguib Mahfouz的《宫间街》中如同迷宫般的市场和中世纪开罗的清真寺到Don Quixote的《拉曼查》中阳光普照的平原，从维克多．雨果的《巴黎》中纵横交错的街道到J.D. Salinger的《麦田里的守望者》中令人感伤的纽约市景点，Baxter通过独特、丰富的内容设计为读者提供了一本穿越时空、充满人文体验的旅游指南。
作者：作家笔下的场所有时是不受规则和科学限制的虚幻世界，有时却是我们能够在地图上找到的真实地点。文学作品有时能让这些真实场所比任何照片里的影像更加栩栩如生。作者通过传神的表达让这些场所跃然纸上，通过各种视觉、听觉、味觉上的细节来激发读者的无穷想象力。
梅琳达．盖茨《提升的时刻： 赋权妇女如何改变世界》
在性别平等日益受到重视的现代世界，女性依然面临着一些影响社会发展的重大挑战。作为当今时代最鼓舞人心、最具影响力的慈善家之一，梅琳达．盖茨分享了她在全球各地邂逅的杰出女性如何战胜各种艰难险阻的励志故事，并且从中总结了一些发人深省的重要经验和体会。本书完美诠释了故事的力量和改变的意义，充分证明了只有提升女性，整个社会才能变得更加美好这一深刻道理。
作者：我希望人们能够看到相互帮助、共同发展的途径。发动机正在点燃，大地正在震动，我们的力量正在提升。如今，我们拥有前所未有的知识、能量和道德观来改变历史的进程。
Tracey Bashkoff《希尔玛．阿夫．克林特： 面向未来的绘画》
瑞典女画家希尔玛．阿夫．克林特的超前抽象艺术画作，比一些公认的抽象主义先驱的作品还要更早出现。她善于利用各种不同图形创作出大量色彩大胆、高冲击力的抽象画作，充分展现出她对艺术深奥玄妙、神秘莫测的独特理解。或许正因她知道自己的作品过于前卫，克林特立下遗嘱，她的毕生作品在她逝世（1944年）后的二十年内都不得公开展示。克林特首次大型个展《面向未来的绘画 》在美国古根海姆博物馆展出，为了配合这次展览，本画册深入剖析了克林特艺术作品的主题演变、在她人生中的意义，以及她对现代艺术的影响，一览无遗地向世人呈现了这位艺术家及其作品的思想内涵及精神力量。
作者：克林特的「作品」从一开始就毅然决然地突破传统表现手法的束缚、追求开创性的艺术风格。学院派的传统作画方式已不足以表达她希望在画布上展现的前卫思想和丰富内涵。
Susan Hockfield《生命机器时代： 生物学如何引领下一场科技革命》
随着全球人口迅猛激增，气候变化和新的极端天气的出现，加上医疗成本持续上升，全球各地正在面临着史无前例的巨大挑战。世界著名神经科学家Susan Hockfield认为，为了解决这些难题，新一代的科技进步将在很大程度上取决于生物学的发展。从仿生义肢到计算机工程农业，生物学技术不断改革创新，为我们描绘了一个充满生机和希望的未来。
作者：我们尚不清楚决定农作物所有复杂性状的基因。但随着生物学和工程学在农业领域逐渐实现强大的融合，我们快将可以解开这个谜团……借助科技的力量，为地球上逾95亿人口提供可负担、富有营养的食物。
David Epstein《范围： 为什么多面手能够在专业领域获胜》
人们通常认为，许多体育、音乐、艺术和科学方面的特长需要从小专门培养。然而，David Epstein的研究彻底颠覆了这个理论。在本书中，他分享了多面手在各个年龄段均能取得成功的秘诀。他的研究证明，何时起步并不是最重要的一环，不畏失败、百折不挠往往才是保持灵活、坚定决心并最终实现成功的关键要素。作者为读者提供的建议是：「克服落后感」。David Epstein对体育、科学和科技等多个领域均有深入研究，他的建议无疑具有很高的参考价值。
作者：尝试并非灵丹妙药，但它具有普遍性和自身的优势，容忍失败不能只是空口白话。突破是形形色色、千差万别的。
单伟建《走出戈壁： 我在中国和美国的故事》
正当中国和美国这两个举足轻重的世界超级强国展开复杂微妙、紧张激烈的经济对决的关键时刻，单伟建以他的传奇经历为我们打开了一扇认知中美两国历史及双方当前关系的双向窗口。在本书中，单伟建讲述了他如何历经文革年代的巨大痛苦和磨砺、最终通过自己的努力奋斗实现美国梦的励志故事。这个故事以深刻的洞察力和细腻的笔触娓娓道来，为读者提供了一个考察中美两国当前局势和未来发展的独特视角。
作者：1979年，应时任美国总统卡特的邀请，邓小平赴美进行了为期9天的访问。此事对我的人生产生了巨大影响，尽管我当时并没有意识到这一点。这次访问不仅为中国的对外开放铺路，同时还为中国人赴海外留学创造了条件。
這正是灌輸孩子更多財商知識和傳遞家庭價值觀的一個大好良機。分享
望子成龍乃天下父母的心願。
「不論家庭貧富，如何支付及是否支付學費開支總會在不同場合及時間成為一家人討論的話題。」摩根大通私人銀行駐佛羅里達州的理財策略師Marc E. Seaverson說道。
然而，儘管大多數父母都對子女的教育及相關費用籌劃有着明確的預期，但許多人都盡量避免跟子女探討這個話題，甚至將之列為禁忌。
「過去，父母都是直接儲蓄或支付孩子的學費，孩子對於學費多少及來源幾乎是一無所知。」摩根大通私人銀行格林威治辦事處的理財顧問Victoria F. Bolton說道。
不過，據我們的顧問反映，這種情況已經有所改變。「我發現有很多客戶都想讓他們的孩子了解甚至親身參與。」Bolton說，「此舉措為孩子上了寶貴的一課，讓他們學習財商技巧和家庭要務。」
不過，父母首先要明確自己的目標。
專家意見認為，無論選擇哪種方法，都沒有對錯之分。不論您只是希望讓孩子了解教育所需費用，還是要讓他們承擔部分開銷，您的摩根大通顧問都可以幫助您制定並實施最適合您家庭需要的方案。
第二步至關重要：確保您的孩子了解您的期望，並且明白他們作出選擇的後果。父母可以提出一些看法，例如指出一個普通英文專科學生與商科專科學生大學畢業後的薪酬差別，然後探討這些差異帶來的影響，例如在租金昂貴的市中心租房。
儘管每個家庭需要討論的課題各不相同，但是我們的顧問認為在一些引導的原則上存在一定共識，比如：
1. 共同期望——並且幫助您的孩子做好準備以實現這些期望。
摩根大通私人銀行達拉斯辦事處的理財策略師Amanda Lott看到許多父母，身為企業家和白手興家的商業人士，都希望子女將來能夠自力更生。
她說，這種想法很好，但孩子不會突然一覺醒來就懂得如何理財或進行長期儲蓄。因此，對他們理財能力的教育需要趁早開始。
「我們明白供孩子讀大學是一筆龐大的開銷，因此我們鼓勵客戶從小就向孩子教育儲蓄的重要性。」Lott說。如果您希望獲得更具體的建議，請向您的摩根大通顧問索取一份我們的《子女財富教育》指南。這份指南詳盡地介紹了適合各個年齡段孩子的教育活動，包括從小豬儲蓄罐到投資帳戶等等。
即使您在孩子三歲時就開始教導他們如何儲蓄，但這也不意味着您應該馬上與他們討論長期理財計劃。把握時機至關重要。許多顧問建議家長等到孩子入讀高中時才開始與他們討論有關高中教育費用支付問題，因為這個年齡段的子女思想開始普遍成熟，能夠思考長期人生規劃；而且開始思考並關心自己的學業和未來。
2. 縱觀全局地討論教育費用。
事實上，美國的大學費用十分昂貴，而且學費每年增長6%，增速甚至比通脹更快。Seaverson表示，美國公立大學的平均開銷，包括學費、食宿以及其他費用，普遍估計高達每年21,000美元。
美國私立學校所需費用每年將近49,000美元。按當前的增長率計算，現在出生的孩子未來入讀私立大學可能需要花費五十多萬美元。
別忘了，這些費用還只是平均水平。某些私立大學每年的花銷可能還要多出幾萬美元。
「當孩子們開始選擇大學，或許會說「我要去這所大學」的時候，就是家長開始跟他們討論教育開支的最佳時機，」Seaverson說，「當學生開始搜集常規資訊，比如一所大學有多少學生或者提供哪些學位課程，家長也可以鼓勵他們了解上大學所需費用以及這些費用的明細。」
3. 決定您是否想要提出指導原則或規則。
父母有很多方法去實現他們的願景。有些家長或會要求子女匯報大學成績，甚至要求他們達到特定的GPA才會全額支付教育費用。另外，有些家長可能會要求孩子修讀某些大學畢業後就業前景更好的專業，比如工程專業。
不過，我們的顧問建議父母做出過於死板的規定前一定要三思。
「據我觀察，父母明確嚴格地命令年輕的成年子女極少能夠發揮作用，」Amanda Lott警告說，「讓成年子女擁有自主權非常重要。對父母來說，更好的做法是確保孩子們理解自己作出的選擇確實會產生一定的影響和後果——而且後果有好也有壞。」
4. 討論大局。
最後，我們的顧問表示，圍繞教育的話題和討論其實是加強孩子家庭價值觀的核心。
父母可以利用大學學費這個話題，引導孩子與他們開展有關擁有當前生活方式所需開銷等討論。Seaverson說：「這是父母與子女共同就雙方期望和價值觀進行協作溝通的大好機會，進而可以把相關話題擴展到慈善和生活方式等其他領域。」
我們可以幫助您達成目標。
您的摩根大通顧問可以幫助您評估您的教育經費籌劃方案，並就如何與孩子展開基於目標的討論提供一些專業見解。
This conversation can be a great opportunity to teach your child more about finances—and your family valuesShare
It is a truth, universally acknowledged, that the minds of parents will turn to educating their children.
“Regardless of wealth level, in some form or fashion the discussion on how or whether to fund education always comes up,” says Marc E. Seaverson, a Florida-based Wealth Strategist with the Private Bank.
Yet while most parents have baked-in expectations about education and funding, many parents find discussing costs with children to be uncomfortable, even taboo.
“Historically, parents have saved or paid directly, and children have little knowledge of what the expenses are and the strategies employed to get there,” says Victoria F. Bolton, a Wealth Advisor in our Greenwich office.
But that has been changing, our advisors say. “I am seeing a lot more clients wanting their children to be aware, even to have skin in the game,” says Bolton, “and that creates a real opportunity” to teach children about key financial issues as well as your family’s priorities.
First step, though, is for the parents to be clear about their intentions. So, what do you want to do?
Any choice is fine, experts say, and your J.P. Morgan advisor can help you develop and implement whatever approach suits your family best—whether it is simply making your children aware of costs or having them contribute to some degree.
The important part is the second step: making sure your children understand your expectations and the consequences of their choices. Parents can help with perspective, pointing out, for example, how much an average English major makes after college versus a business major, and then discussing what that means for, say, rent in a costly urban center.
While every family will need to have a different conversation, our advisors agree on some common principles to guide discussions, namely:
1. Share expectations—and help prepare your children to meet them.
As a Wealth Strategist based in our Dallas office, Amanda Lott sees a lot of parents who are entrepreneurs and self-made business people and who are clear that they want their kids to be self-sufficient someday.
That’s great, she says, but children don’t wake up one morning suddenly knowing how to manage a budget or save for the long term. The sooner you start teaching them this financial capability, the better.
“Paying for college is a big expense. Understanding that, we encourage clients to begin talking to their children about the importance of saving from a very early age,” Lott says. If you are looking for more concrete advice, ask your J.P. Morgan advisor for a copy of our guide Teaching children about wealth; it offers detailed age-appropriate activities, from piggy banks to investment accounts.
Even if you can start teaching children as young as three years old how to save, that clearly doesn’t mean you should discuss long-term plans right away. Timing is important. Many advisors counsel waiting until the beginning of high school to start having conversations about the financing of children’s secondary education. That’s when they are generally developmentally mature enough to think long-range; it’s also when their awareness and desire for college will be taking shape.
2. Discuss education costs in context.
Here are just the bare facts: College in the United States is already expensive, and tuition is growing at 6% a year, which is faster than inflation. Common estimates put the average cost for a public university in the United States, including tuition, room and board, and others fees, at just over $21,000 a year, says Seaverson.
U.S. private school is just under $49,000 per year. At today’s growth rate, a baby born today could be expected to pay north of half a million for a private college.
Keep in mind that these are averages. The costs for some private universities can be tens of thousands more per year.
“When children start to look at colleges and maybe say ‘Here is where I want to go,’ that is an amazing opportunity to start talking,” says Seaverson. “When students are gathering routine information, such as how many students go to a college or what degrees do they offer, they also can be encouraged to ask how much does it cost and how do those costs break down.”
3. Decide whether you want to offer guidelines or rules.
There are many ways parents can enforce their vision. Some parents may want to require their college-age children to report on grades and possibly to achieve a certain GPA to continue to receive full funding of their education. Others may require that a child major in something that creates higher likelihoods of post-university employment, such as engineering.
Yet, our advisors suggest that parents think twice before being overly prescriptive.
“Very rarely do I see it play out well when parents give iron-clad mandates to their young adult children,” warns Amanda Lott. “It is important that an adult child feel a sense of autonomy. Better is when parents make sure the children understand that their choices do have ramifications and consequences—both good and bad.”
4. Discuss the bigger picture.
In the end, say our advisors, the conversation around education is really about reinforcing your family values with your children.
Tuition can be an easy way for parents to start talking to their children about what it takes financially to live as they do. Seaverson says: “Think of it as a great opportunity to build a collaborative communication about expectations and values that can spill over into other areas like philanthropy and lifestyle.”
We can help
Your J.P. Morgan advisor can help you assess your education funding options and offer insights into how to frame a goals-based conversation with your child.
这正是灌输孩子更多财商知识和传递家庭价值观的一个大好良机。分享
望子成龙乃天下父母的心愿。
「不论家庭贫富，如何支付及是否支付学费开支总会在不同场合及时间成为一家人讨论的话题。」摩根大通私人银行驻佛罗里达州的理财策略师Marc E. Seaverson说道。
然而，尽管大多数父母都对子女的教育及相关费用筹划有着明确的预期，但许多人都尽量避免跟子女探讨这个话题，甚至将之列为禁忌。
「过去，父母都是直接储蓄或支付孩子的学费，孩子对于学费多少及来源几乎是一无所知。」摩根大通私人银行格林威治办事处的理财顾问Victoria F. Bolton说道。
不过，据我们的顾问反映，这种情况已经有所改变。「我发现有很多客户都想让他们的孩子了解甚至亲身参与。」Bolton说，「此举措为孩子上了宝贵的一课，让他们学习财商技巧和家庭要务。」
不过，父母首先要明确自己的目標。
专家意见认为，无论选择哪种方法，都没有对错之分。不论您只是希望让孩子了解教育所需费用，还是要让他们承担部分开销，您的摩根大通顾问都可以帮助您制定并实施最适合您家庭需要的方案。
第二步至关重要：确保您的孩子了解您的期望，并且明白他们作出选择的后果。父母可以提出一些看法，例如指出一个普通英文专科学生与商科专科学生大学毕业后的薪酬差别，然后探讨这些差异带来的影响，比如在租金昂贵的市中心租房。
尽管每个家庭需要讨论的课题各不相同，但是我们的顾问认为在一些引导的原则上存在一定共识，比如：
1. 共享期望——并且帮助您的孩子做好准备以实现这些期望。
摩根大通私人银行达拉斯办事处的理财策略师Amanda Lott看到许多父母，身为企业家和白手起家的商业人士，都希望子女将来能够自力更生。
她说，这种想法很好，但孩子不会突然一觉醒来就懂得如何理财或进行长期储蓄。因此，对他们理财能力的教育需要趁早开始。
「我们明白供孩子读大学是一笔庞大的开销，因此我们鼓励客户從小就向孩子教育储蓄的重要性。」Lott说。如果您希望获得更具体的建议，请向您的摩根大通顾问索取一份我们的《子女财富教育》指南。这份指南详尽地介绍了适合各个年龄段孩子的教育活动，包括从小猪储蓄罐到投资账户等等。
即使您在孩子三岁时就开始教导他们如何储蓄，但这也不意味着您应该马上与他们讨论长期理财计划。把握时机至关重要。许多顾问建议家长等到孩子入读高中时才开始与他们讨论有关高中教育费用支付问题，因为这个年龄段的子女思想开始普遍成熟，能够思考长期人生规划；而且开始思考并关心自己的学业和未来。
2. 纵观全局地讨论教育费用。
事实上，美国的大学费用十分昂贵，而且学费每年增长6%，增速甚至比通胀更快。Seaverson表示，美国公立大学的平均开销，包括学费、食宿以及其他费用，普遍估计高达每年21,000美元。
美国私立学校所需费用每年将近49,000美元。按当前的增长率计算，现在出生的孩子未来入读私立大学可能需要花费五十多万美元。
别忘了，这些费用还只是平均水平。某些私立大学每年的花销可能还要多出几万美元。
「当孩子们开始选择大学，或许会说「我要去这所大学」的时候，就是家长开始跟他们讨论教育开支的最佳时机，」Seaverson说，「当学生开始搜集常规信息，比如一所大学有多少学生或者提供哪些学位课程，家长也可以鼓励他们了解上大学所需费用以及这些费用的明细。」
3. 决定您是否想要提出指导原则或规则。
父母有很多方法去实现他们的愿景。有些家长或会要求子女汇报大学成绩，甚至要求他们达到特定的GPA才会全额支付教育费用。另外，有些家长可能会要求孩子修读某些大学毕业后就业前景更好的专业，比如工程专业。
不过，我们的顾问建议父母做出过于死板的规定前一定要三思。
「据我观察，父母明确严格地命令年轻的成年子女极少能够发挥作用，」Amanda Lott警告说，「让成年子女拥有自主权非常重要。对父母来说，更好的做法是确保孩子们理解自己作出的选择确实会产生一定的影响和后果——而且后果有好也有坏。」
4. 讨论大局。
最后，我们的顾问表示，围绕教育的话题和讨论其实是加强孩子家庭价值观的核心。
父母可以利用大学学费这个话题，引导孩子与他们开展有关拥有当前生活方式所需开销等讨论。Seaverson说：「这是父母与子女共同就双方期望和价值观进行协作沟通的大好机会，进而可以把相关话题扩展到慈善和生活方式等其他领域。」
我们可以帮助您达成目标。
您的摩根大通顾问可以帮助您评估您的教育经费筹划方案，并就如何与孩子展开基于目标的讨论提供一些专业见解。
En ocasiones, los niños pueden hacer las preguntas más difíciles acerca del patrimonio. Otras veces no preguntan nada. De una u otra forma van a encontrar las respuestas. Para encaminarlos por la senda correcta debemos ser los padres y guardianes quienes forjen la comprensión de la riqueza en nuestros hijos. El reto es cómo hacerlo bien.
Aquí compartimos una historia de un cliente cuyo hijo hizo una pregunta que su padre no sabía bien cómo responder. Luego presentamos el comentario especializado de Michael Liersch, psicólogo cognitivo y Director de Asesoramiento y Estrategia Basados de J.P. Morgan.
Una mañana de camino a la escuela, mi hijo de 10 años me preguntó: “Papi, ¿nosotros somos ricos?” Su hermana melliza se interesó y esperó mi respuesta junto con su hermano.
Sorprendido, les respondí: “Esa es una muy buena pregunta”.
“Estamos bien”, les expliqué. “Tenemos suficiente dinero para vivir en una casa linda, enviarlos a excelentes escuelas, hacer actividades divertidas y viajar juntos. Siempre tenemos comida y otras cosas. Pero a pesar de que tenemos dinero, queremos estar seguros de tomar buenas decisiones sobre lo que gastamos, porque mamá y papá trabajan muy duro para ganar ese dinero”.
“¿Tiene sentido?” Les pregunté.
La respuesta fue rápida y al grano. “Sí”, dijo mi hijo, y pasó a su próxima pregunta: “¿Volveremos a Florida este invierno?”.
La conversación se concentró inmediatamente en las próximas vacaciones de invierno.
Me pregunto si mi respuesta improvisada fue suficientemente buena. Sobre todo, quería asegurarme de que mis hijos supieran que están seguros y hacerles entender que mi esposa y yo estamos contentos con el hecho de trabajar para ganar lo que tenemos.
Esta no es una pregunta sorprendente, sino una muy común que hacen los estudiantes curiosos. Muchos se la preguntan aunque no la verbalicen.
A medida que los niños se vuelven más conscientes de los demás y buscan la aceptación del grupo entre sus pares, naturalmente quieren comprender dónde encajan—tratan de encontrar su lugar.
En esta historia, la respuesta de los padres es positiva porque los describe a ambos como generadores de ingresos y responsables de tomar decisiones conjuntas. Su respuesta también parece ser efectiva tanto para aportar tranquilidad —aliviando potenciales miedos existenciales— como para enfatizar la toma fundamentada de decisiones sobre las opciones financieras.
En el futuro, el padre no tiene que sentirse presionado para dar inmediatamente la respuesta correcta o para siquiera responder a las preguntas importantes. Su primera respuesta podría ser una indagación del tipo: “¡Qué interesante!, ¿por qué lo preguntas?”. Responder a una pregunta con otra sirve no solo para que los padres ganen tiempo y puedan elaborar buenas respuestas, sino que también podrían obtener información muy valiosa sobre el estado mental del niño. ¿Se trata de una reacción del niño a la charla ociosa en el patio de la escuela acerca de quién tiene cuánto? O bien, por algún motivo, al niño le preocupa tener suficiente. Y si es así, ¿por qué?
Sobre todo, puede sentirse reconfortado al saber que una respuesta en un momento particular, sin importar cómo la haya dicho, no define la comprensión de sus hijos. Su comprensión de los asuntos de dinero se irá creando acumulativamente con el tiempo mediante señales verbales y no verbales.
Los clientes siempre solicitan orientación de los asesores de J.P. Morgan sobre cómo ayudar a sus hijos a desarrollar habilidades que les permitan afrontar el complejo mundo financiero. En nuestra serie Enseñar a sus hijos sobre la riqueza, hemos recogido las mejores prácticas de nuestro equipo global de asesores y de una educadora financiera líder, Susan Doty, Presidenta de la Asociación Nacional de Educadores Económicos, para ayudar a los padres, a los abuelos y a otros familiares involucrados en la capacitación de los hijos, de 3 a 22 años, en asuntos de dinero.
Para obtener más información sobre cómo enseñar a los hijos sobre el patrimonio, comuníquese con sus asesores de J.P. Morgan. Están disponibles para usted y su familia en todo lo relacionado con sus necesidades financieras.
在教導孩子理財之道時，父母面對子女的提問有時候會感到非常棘手，有些子女對理財方面也許根本興趣不大。不論是屬於哪一種孩子，他們最終都會找到答案。為了幫助子女走上正確的人生道路，父母都希望能夠從小培養並協助子女建立令他們受用終身的財富觀。但是，如何才能樹立正確及有效的財富觀?
以下是我們一位客戶的親身經歷。他的孩子突然向他提出了一個他不知如何應對的問題。摩根大通目標為本理財諮詢及策略部主管兼認知心理學家Michael Liersch隨後將對此給予專業點評和指導。
在送孩子上學的途中，我通常會和他們進行一些有趣的深層次討論。一天早上，我10歲的兒子問我：「爸爸，我們家富有嗎?」他的雙胞胎妹妹和他一起興致勃勃地等待着我的答案。
面對這個突如其來的提問，我猝不及防地回答：「這是一個很好的問題。」
然後，我盡力地向他們解釋：「我們的家庭條件還不錯。我們可以住好的房子，送你們上好學校、一起旅行，以及做一些我們喜歡的事情。我們衣食無憂。不過，雖然我們擁有一些財富，但因為這些財富都是爸爸媽媽努力工作換來的，所以我們要用得其所。」
我問孩子：「你們覺得爸爸說的有道理嗎?」
他們迅即回答：「是的。」兒子馬上又提出下一個問題：「我們今年冬天是不是回到佛羅里達?」
我們的討論話題便立即轉到快將到來的寒假。
我不知道自己憑直覺做出的回答是否妥當。我主要是想確保他們有安全感，讓他們知道我和妻子願意通過努力工作來獲得財富。
等待專家的評判，祝我們好運。
這個問題並不令人感到意外。求知欲旺盛的孩子經常會提出或在內心思考這樣的問題。
隨着孩子對他人的了解逐漸加深並開始尋求同輩群體的接納，他們很自然地希望了解和尋找自己在群體中的適當位置。這正是這個年紀的孩子應有的正常想法。
在本案例中，這位父親的回應積極而正面。他表達了父母雙方作為收入創造者和共同決策者所發揮的作用。他的回答不僅有助於寬慰和消除孩子內心可能隱藏着的擔憂，同時還強調了作出財務決策時應有的謹慎態度。
面對孩子未來可能提出的重大問題，父親不必要求自己立即提供正確的答案，甚至無需給出答案。他首先可以通過詢問的方式回應，例如：「這個問題很有趣，為什麼問這個?」這不僅能夠讓父母有更多的時間來思考恰當的答案，同時還有助於父母更好地了解子女的內心世界。孩子是否曾在學校和別人聊起關於家庭財富的問題?還是出於某些原因產生了對家庭財富是否足夠的擔憂?背後的具體原因是什麼?
最重要的是，父母其實無需擔心自己在某個時刻作出的回應會給孩子的財富觀造成決定性的影響。財富觀的形成不是一朝一夕的事情，是父母從小言傳身教、日積月累的結果。
長期以來，很多客戶向摩根大通顧問諮詢如何培養子女解決複雜財富管理問題的技能。為此，我們推出了「如何培養子女的理財智慧與技能」系列文章，旨在分享我們的全球顧問團隊和財務教育專家兼美國全國經濟教育家協會主席Susan Doty多年來積累的豐富知識和深厚的經驗，以此幫助家長和家族成員培養孩子從3歲到22歲等不同階段的理財智慧和技能。
如需了解更多有關如何培養孩子的理財智慧與技能的資訊，請聯繫您的摩根大通顧問。我們的顧問隨時樂意幫助您和您的家族解決各種理財需求。
在教导孩子理财之道时，父母面对子女的提问有时候会感到非常棘手，有些子女对理财方面也许根本兴趣不大。不论是属于哪一种孩子，他们最终都会找到答案。为了帮助子女走上正确的人生道路，父母都希望能够从小培养并协助子女建立令他们受用终身的财富观。但是，如何才能树立正确及有效的财富观?
以下是我们一位客户的亲身经历。他的孩子突然向他提出了一个他不知如何应对的问题。摩根大通目标为本理财咨询及策略部主管兼认知心理学家Michael Liersch随后将对此给予专业点评和指导。
在送孩子上学的途中，我通常会和他们进行一些有趣的深层次讨论。一天早上，我10岁的儿子问我：「爸爸，我们家富有吗?」他的双胞胎妹妹和他一起兴致勃勃地等待着我的答案。
面对这个突如其来的提问，我猝不及防地回答：「这是一个很好的问题。」
然后，我尽力地向他们解释：「我们的家庭条件还不错。我们可以住好的房子，送你们上好学校、一起旅行，以及做一些我们喜欢的事情。我们衣食无忧。不过，虽然我们拥有一些财富，但因为这些财富都是爸爸妈妈努力工作换来的，所以我们要用得其所。」
我问孩子：「你们觉得爸爸说的有道理吗?」
他们迅即回答：「是的。」儿子马上又提出下一个问题：「我们今年冬天是不是回到弗罗里达?」
我们的讨论话题便立即转到快将到来的寒假。
我不知道自己凭直觉做出的回答是否妥当。我主要是想确保他们有安全感，让他们知道我和妻子愿意通过努力工作来获得财富。
等待专家的评判，祝我们好运。
这个问题并不令人感到意外。求知欲旺盛的孩子经常会提出或在内心思考这样的问题。
随着孩子对他人的了解逐渐加深并开始寻求同辈群体的接纳，他们很自然地希望了解和寻找自己在群体中的适当位置。这正是这个年纪的孩子应有的正常想法。
在本案例中，这位父亲的回应积极而正面。他表达了父母双方作为收入创造者和共同决策者所发挥的作用。他的回答不仅有助于宽慰和消除孩子内心可能隐藏着的担忧，同时还强调了作出财务决策时应有的谨慎态度。
面对孩子未来可能提出的重大问题，父亲不必要求自己立即提供正确的答案，甚至无需给出答案。他首先可以通过询问的方式回应，例如：「这个问题很有趣，为什么问这个?」这不仅能够让父母有更多的时间来思考恰当的答案，同时还有助于父母更好地了解子女的内心世界。孩子是否曾在学校和别人聊起关于家庭财富的问题?还是出于某些原因产生了对家庭财富是否足够的担忧?背后的具体原因是什么?
最重要的是，父母其实无需担心自己在某个时刻作出的回应会给孩子的财富观造成决定性的影响。财富观的形成不是一朝一夕的事情，是父母从小言传身教、日积月累的结果。
长期以来，很多客户向摩根大通顾问咨询如何培养子女解决复杂财富管理问题的技能。为此，我们推出了「如何培养子女的理财智慧与技能」系列文章，旨在分享我们的全球顾问团队和财务教育专家兼美国全国经济教育家协会主席Susan Doty多年来积累的丰富知识和深厚的经验，以此帮助家长和家族成员培养孩子从3岁到22岁等不同阶段的理财智慧和技能。
如需了解更多有关如何培养孩子的理财智慧与技能的资讯，请联系您的摩根大通顾问。我们的顾问随时乐意帮助您和您的家族解决各种理财需求。
Sometimes our children can ask the toughest questions about wealth. Sometimes they don’t ask at all. One way or another, they will find answers. To help put them on the right path for life, surely we want to be the ones who shape our children’s understanding of wealth. The challenge: How do we do that—and do it well?
Here, we share a story about a client and his child, who suddenly asked a question his dad didn’t quite know how to answer. This is followed by expert commentary from Michael Liersch, cognitive psychologist and Head of J.P. Morgan’s Goals-Based Advice & Strategy.
When I’m driving my kids to school, we often have interesting, meaningful discussions.
One morning, my 10-year-old boy asked: “Daddy, are we rich?” His twin sister perked up and waited with her brother for my answer.
Surprised, I punted: “That is a very good question.”
Then I tried my best. “We are fine,” I said. “We have enough money to live in a nice house, send you to great schools, do fun activities and take trips together. We always have food and stuff. But even though we have money, we always want to be sure to make good choices about what we spend on—because Mommy and Daddy both work very hard to earn that money.”
“Does that make sense?” I asked.
Their response was swift and matter-of-fact. “Yes,” said my son, and moved on to his next question: “Are we going back to Florida this winter?”
The discussion turned immediately to the upcoming winter break.
I wonder if the fly-by-the-seat-of-my-pants answer was good enough. Mostly, I wanted to make sure they knew they were safe, and to let them know my wife and I are glad to work for what we earn.
The jury is out—wish us luck.
This is not a surprising question, but actually a very common one for curious students to ask—or wonder about, even if they do not ask directly.
As children become more aware of others and increasingly seek group acceptance among their peers, they naturally want to understand where they fit in. This is the age at which they are trying to find their place.
The father’s answer in this story is positive in that it describes both parents as income earners and joint decision makers. His answer also seems effective in both providing comfort—alleviating potential existential fears—while emphasizing thoughtful decision making about financial choices.
In the future, the father doesn’t have to feel pressured to immediately provide the right answer—or even any answer at all—to big questions. His first response could be an inquiry along the lines of: “Interesting, why do you ask?” Not only does answering a question with a question buy parents more time to compose good answers, it also could yield very valuable insights into the child’s state of mind. Is the child reacting to idle schoolyard talk about who has how much? Or is the child concerned for some reason about having enough? And, if so, why?
Most of all, take comfort in knowing that one response in a single point in time, no matter how worded, does not define your children’s understanding. Their comprehension of money matters is created cumulatively over time by verbal and nonverbal cues alike.
Clients have long asked J.P. Morgan advisors for guidance on how to help children develop skills to be better prepared for a complex financial world. In our Teaching your children about wealth series, we have gathered best practices from our global team of advisors and a leading financial educator, Susan Doty, President of the National Association of Economic Educators, to help parents, grandparents and other caring family members empower children, ages 3-22, in money matters.
For additional insights into how to teach children about wealth, please contact your J.P. Morgan advisors. They are available to help you and your family with all your financial needs.
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If you have any questions about any remediation you have received or your eligibility for future remediation regarding the issues covered by the settlement agreement, we encourage you to contact the responsible Wells Fargo Customer Care Team. Contact information for the Customer Care Teams is provided below.
Wells Fargo has designated customer care teams who have been specially trained to help customers with the issues covered by the agreement – sales practices (including retail sales practices and sales practices related to renters and simplified term life insurance referrals), auto CPI and GAP, and mortgage interest rate lock matters. The redress program means we’ll keep these teams in place and maintain this website in order to help answer customer questions for at least one year after the satisfaction of the remediation programs discussed below.
In September 2016, Wells Fargo entered into agreements with the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and the Office of the Los Angeles City Attorney to address allegations that some of our retail customers received products or services they did not request. Customers that may have had an account or service opened without their consent or without being fully informed of the details of the account or service may be eligible for remediation. Additional details regarding the remediation that Wells Fargo has provided in the past or is in the process of providing is outlined below.
In August 2017, Wells Fargo completed an expanded third-party review of retail banking accounts to identify potentially unauthorized accounts and fees and charges paid by customers related to those accounts. The accounts and services included in the review were Wells Fargo consumer or small business checking or savings accounts, credit cards, unsecured lines of credit, and online bill pay services.
Specifically, Wells Fargo conducted a review of data associated with these accounts and services opened from January 2009 to the end of September 2016. Wells Fargo has provided refunds and credits to customers for potentially unauthorized accounts and online bill pay enrollments identified during this review for which customers paid fees and charges.
In addition, Wells Fargo has provided refunds and credits to customers of fees and charges associated with potentially unauthorized accounts and online bill pay services that were identified in response to customer complaints and mediation claims.
Customers may also receive compensation under the $142 million class-action settlement for accounts dating back to 2002 if the customer submitted a claims form before the July 7, 2018 deadline or if they complained to Wells Fargo in the past about an unauthorized account. Customers who complained to Wells Fargo about an unauthorized account during the January 1, 2011 to March 23, 2017 time period were automatically enrolled as participants in the class-action settlement. Please consult WFSettlement.com for the status of settlement payments.
After plaintiffs’ attorneys’ fees and costs of administration, the class-action settlement will provide reimbursement of fees not already refunded and compensation for increased borrowing costs due to credit-score impact associated with a potentially unauthorized account. Remaining funds will be distributed to the participants in the class on a per account basis.
The class-action settlement agreement covered all persons who claim that Wells Fargo opened an unauthorized consumer or small business checking or savings account or an unsecured credit card or line of credit. The settlement also covers customers who enrolled in certain identity theft protection services between May 1, 2002 and April 20, 2017 (details are available online at WFSettlement.com).
Wells Fargo continues to work with any customers who contact us with any sales practices concerns, including customers who did not participate in the remediation described above. Customers who may have had an account or service opened without their consent or without being fully informed of the details of the account or service may be eligible for compensation, correction of credit bureau information caused by the unauthorized account, and, among other things, an opportunity for no-cost mediation if the company is unable to resolve an issue related to an unauthorized account directly with the customer.
If you have any questions about your Jabbari class-action settlement claim, please contact the settlement administrator at 1-866-431-8549 or consult WFSettlement.com. If you have questions about other potentially unauthorized accounts or services not already addressed in your Jabbari settlement claim, we encourage you to contact our Customer Care Team at 1-844-931-2273.
In the past, Wells Fargo’s team members referred customers to third-party insurance companies for renters and simplified term life insurance products. Following an internal review, Wells Fargo identified renters and simplified term life insurance policies opened with third-party insurance companies that may have been referred by our team members without the customer’s consent or solely for purposes of helping a Wells Fargo team member obtain incentive compensation. The policies were opened with American Modern Home Insurance Group, Inc., Assurant, Inc., Great West Life & Annuity Insurance Company, Prudential Insurance Company of America, Pruco Life Insurance Company, and Pruco Life Insurance Company of New Jersey. Wells Fargo stopped referring customers to third-party insurance companies for renters and simplified term life insurance products in December 2016.
Wells Fargo has paid refunds of premiums and bank fees to eligible customers with applicable renters and simplified term life insurance policies, among other potential compensation. We have provided remediation to eligible customers with policies opened between December 3, 2008 and November 30, 2016. Wells Fargo has worked to identify and provide remediation to all customers who may have been affected. Eligible customers will receive this remediation automatically and are not required to take any action.
If you have any questions about a notice or refund check you received or have not heard from Wells Fargo and believe you may be eligible for compensation related to a renters or simplified term life insurance referral, we encourage you to contact our Customer Care Team at 1-800-255-2338.
Customers’ auto loan contracts required them to maintain comprehensive and collision physical damage insurance throughout the term of their loan. As commonly permitted under those contracts, Wells Fargo Dealer Services (“Dealer Services”) would purchase CPI from an insurance company on the customer’s behalf if our vendor was unable to confirm — from either the customer or an insurance company — that the customer already had the required insurance. As of September 30, 2016, Wells Fargo stopped placing CPI.
Wells Fargo has identified issues related to the CPI policies placed for Dealer Services customers who had the necessary physical damage insurance for the entire time or for a portion of the CPI policy period, which we refer to as “duplicative CPI” coverage.
Eligible Dealer Services customers for whom we have records indicating duplicative CPI was placed between October 15, 2005 and September 30, 2016 will automatically receive any compensation due to them under our remediation plan. This may include a refund of duplicative CPI interest and/or CPI premium charges, to the extent not previously refunded. It may also include a refund of fees (such as late fees) assessed to the customer’s account during the time when duplicative CPI may have caused the fee to be assessed, among other potential compensation. Eligible customers should receive this remediation automatically and are not required to take any action.
All Dealer Services customers who had CPI policies placed in five states within defined time periods, whether those policies were duplicative or not, will receive a full refund of CPI premium and interest, to the extent not already refunded, among other potential compensation. The customers eligible for this compensation had a CPI policy placed in Arkansas between July 30, 2012 and September 30, 2016; in Michigan between July 30, 2011 and September 30, 2016; in Mississippi between July 30, 2014 and September 30, 2016; in Tennessee between July 30, 2011 and September 30, 2016; or in Washington between July 30, 2011 and September 30, 2016. Again, eligible customers should receive this remediation automatically andare not required to take any action.
In addition, eligible Dealer Services customers who experienced a repossession or charge-off that may have been caused by duplicative CPI or a CPI policy placed within one of the five states in the timeframes referenced above may receive additional compensation and/or account credits under our remediation plan. Where we determine that a repossession was caused by duplicative CPI, in accordance with our remediation plan, the customer will receive a monetary reimbursement for estimated out-of-pocket transportation and non-transportation expenses, a refund or credit for repossession costs assessed to the account, and in some cases a payment for the customer’s lost equity in the vehicle, among other potential compensation. These customers also will receive the compensation outlined above for duplicative CPI. Again, eligible customers should receive this remediation automatically and are not required to take any action.
For each of these categories, Wells Fargo will also work with the credit bureaus to correct customers’ credit records, if applicable.
Finally, Dealer Services customers who had CPI placed and where our records reflect the customer needed the CPI for the entire coverage period will receive a letter asking them to provide more information if the customer in fact had their own separate physical damage insurance overlapping with the CPI policy.
We are processing and sending remediation payments and related letters to customers included in the remediation as soon as we can. Because of the magnitude and complexity associated with our CPI remediation, some Dealer Services customers may not receive correspondence or payments until later in 2019.
In addition to our Dealer Services CPI remediation outlined above, we are evaluating potential remediation to customers who had CPI placed through Wells Fargo Auto Finance (“Auto Finance”), which was a business unit previously operated separately from Dealer Services. We will update this website with further details on any CPI remediation available to Auto Finance customers when those details are available.
This remediation is ongoing and eligible customers should be receiving notices and remediation automatically. If you have any questions about the CPI remediation plan, please contact our CPI Customer Care Team at 1-888-228-9735 or email at info@WellsFargoCPIPayments.com.
GAP is an optional product offered by automobile dealerships to customers at the time they purchase a vehicle. GAP products offer customers additional protection beyond a standard automobile insurance policy in the event that their vehicle suffers a total loss (for example, if the vehicle is in an accident or is stolen). When this happens, GAP may help pay off the loan balance not covered by the customer’s primary auto insurance. GAP may be purchased in full or financed as part of the motor vehicle financing agreement with the dealership.
Wells Fargo Auto (“WF Auto”) customers who pay off their financing agreement early or whose vehicle is repossessed may be eligible for a refund of any unearned portion of the amount they paid for GAP. In the states identified below, state law requires indirect auto lenders such as WF Auto to ensure that a refund is issued. Wells Fargo has determined that some customers whose loans originated in the following states may not have received a refund, and Wells Fargo plans to provide remediation to these customers: Alabama, Colorado, Indiana, Iowa, Massachusetts, Nevada, Oregon, Texas, Vermont, and Wisconsin.
Eligible customers are not required to take any action to receive this remediation and should be receiving notices and remediation automatically. The first remediation payments were mailed in December 2018 and additional mailings are ongoing.
We are continuing to evaluate our GAP remediation plan. We will update this website with further details regarding the remediation plan when the plan is finalized.
This remediation is ongoing and eligible customers should be receiving notices and remediation automatically. If you have any questions about the GAP remediation plan, please contact our GAP Customer Care Team at 1-844-860-6962.
Wells Fargo offers prospective borrowers the ability to lock in an agreed upon interest rate for a period while their mortgage loan application is pending. Depending on the circumstances, if a residential mortgage loan does not close during the defined rate lock period, Wells Fargo may charge the customer a fee to extend the rate lock period.
On October 4, 2017, Wells Fargo announced that after an internal review, we determined that our mortgage rate lock extension fee policy was, at times, inconsistently applied during the period of September 16, 2013 through February 28, 2017. As a result, some borrowers were charged fees for rate lock extensions when Wells Fargo was primarily responsible for the delays that caused the need for the extensions. Effective March 1, 2017, Wells Fargo changed how we manage the rate lock extension process by establishing a centralized review team that reviews all rate lock extension requests for consistent application of our policy.
Between November 2017 and July 2018, Wells Fargo reached out to all home lending customers who paid rate lock extension fees for extensions requested between September 16, 2013 and February 28, 2017. While we believe many of the rate lock extension fees during the period in question were appropriately charged under our policy, Wells Fargo offered refunds (plus interest) to all customers who paid rate lock extension fees for extensions requested during this time frame.
If you have any questions about a notice or refund check you received or have not heard from Wells Fargo and believe you may be eligible for compensation related to a mortgage interest rate lock extension fee, we encourage you to contact our Rate Lock Customer Care Team at 1-866-385-5008.
We want to ensure that you only experience the very best customer service from us. If you have any questions that are not addressed above, please visit us in one of our branches or call our 24/7 toll-free number at 1-800-TO-WELLS (1-800-869-3557).
Shopping for a house can be stressful for anyone, but these tips from Wells Fargo Home Lending can help ensure a successful homebuying experience.
Buying a home can challenge anyone’s patience, especially during spring and summer — typically the busiest time of the year, when competition can be fierce.
Still, by doing your homework, learning the market, and following a few basic steps to fine-tune your financial health, you can boost your chances of homeownership success.
Homeowner Chiquita Millender said she brought rookie enthusiasm to her first homebuying experience, but quickly learned it took more than that to succeed. Millender had student loans and other debt problems from college that had hurt her credit, and she and her husband couldn’t afford the house they wanted in the Atlanta area based on his income alone.
“I got so discouraged I wanted to quit,” said the 31-year-old restaurant manager and Wells Fargo customer. “Finally, though, I told myself to be a big girl and start again.”
With help from Wells Fargo, Millender put herself on a disciplined financial plan, reduced her debt, improved her debt-to-income ratio, and saved enough for a down payment. Her credit score rose about 200 points. Eventually, she and her husband found the home of their dreams and were approved for $150,000 more in financing than they had initially sought.
“Homeownership is something I appreciate so much,” she said. “It’s definitely an accomplishment I’m proud of. I was the first in my family to go to college and the first to buy a home. Now I can teach my sisters and brothers, even my mother, how to attain homeownership. It really feels great.”
Before scrolling through listings and sharpening your negotiation skills, potential homebuyers need to take some important preliminary steps, said Michael DeVito, head of Wells Fargo Home Lending.
“When buying a home, it helps to be prepared — including understanding what you can afford,” he said. “First-time homebuyers are often surprised to learn about all of the programs in place to help them with the purchase process. Talk to an expert and follow these key steps to make the path to homeownership a great experience.”
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Additionally, there are other resources that may be available to prospective homebuyers through their banks. Wells Fargo customers, for example, may qualify for the yourFirst MortgageSM program, which offers financial education and housing counseling to help guide them through the buying process. Wells Fargo also provides online and mobile customers a number of homebuying tools, including a debt-to-income calculator.
Homebuying is a lot tougher than many people realize — you have to do your homework and be prepared for whatever is going on in the marketplace, because “it’s a whole new real estate world out there,” said Rachel Hartman in an article for the National Association of Realtors®.
Homebuyers may encounter a range of hurdles, including bidding wars, all-cash offers, dubious home staging, and sketchy online promotions, she said.
“You will face an onslaught of tough competition and more that will require you to hone your homebuying skills more than ever,” said Hartman. “But knowing what awaits you is half the battle.”
The Vision, Values & Goals of Wells Fargo details the enduring principles that guide all Wells Fargo team members in the work they do every day — in serving customers and helping each other.
This unites us around a simple premise: Customers can be better served when they have a relationship with a trusted provider that knows them well, provides reliable guidance, and can serve their full range of financial needs.
Five primary values guide every action we take:
We want to become the financial services leader in these areas:
May 28, 2019
NEW YORK — J.P. Morgan today announced selections for the firm’s 20th anniversary edition of its annual Summer Reading List. Featuring 10 inspiring nonfiction titles ranging from current events and leadership to global gourmet and travel, this is the most diverse collection of topics and authors since its inception.
“Every year, our teams look forward to curating summer reading collections that offer clients distinctive opportunities to explore new worlds, new tastes and new ideas,” said Darin Oduyoye, Chief Communications Officer for J.P. Morgan Asset & Wealth Management. Now – two decades in – we continue that tradition hoping to spark curiosity and conversation with an eclectic mix of books meant to educate, motivate and inspire.”
The annual summer list was launched in 2000 and has grown each year to reflect cultural shifts and interests of the firm’s client base. Advisors from J.P. Morgan offices around the globe submitted and reviewed hundreds of titles to ultimately curate the 20th anniversary list of 10 books.
To explore this anniversary list and celebrate past years, visit jpmorgan.com/readinglist2019. The 10 titles selected for the 2019 J.P. Morgan Summer Reading List are:
Out of the Gobi: My Story of China and America, by Weijian Shan. At a time when two of the world’s largest and most influential nations—China and the United States—face off in a delicate and tense economic showdown, one man’s journey sheds a revealing light on both countries and their current interactions. Weijian Shan shares his inspirational first-hand account of overcoming immense hardship during the Cultural Revolution in China, as well as his journey become the ultimate American dream success story. Through a deeply detailed and insightful narrative, Shan offers a unique view of his homeland and the country he now calls home.
The Age of Living Machines: How Biology Will Build the Next Technology Revolution, by Susan Hockfield.As our global population surges, climate change and new extremes loom, healthcare costs rise, countries and communities worldwide face unprecedented challenges. World-renowned neuroscientist Susan Hockfield asserts the next generation of technological advances to address these issues will be rooted heavily on biology. From bionic limbs to computer engineered agriculture, new biology-rich innovations offer an exciting glimpse at our future.
Hilma af Klint: Paintings for the Future, by Tracey Bashkoff. A visionary artist whose work predates some of the more recognizable trailblazers of the abstract movement, Hilma af Klint created graphic, high-impact paintings and works on paper that offered a uniquely spiritual and esoteric take on art. Perhaps aware that her pieces were not of her time, the artist stipulated that the entirety of her life’s work should remain unseen by the public for 20 years following her death in 1944. Accompanying the artist’s first major exhibition in the United States at the Guggenheim Museum, this catalogue delves into the thematic evolution of her artistry, the influences within her life, and the impact she has had on modern art—ensuring the artist and her work are a secret no more.
The Moment of Lift: How Empowering Women Changes the World, by Melinda Gates. As the modern world increasingly shifts toward gender equality, women still face critical challenges that are continue to impact society. Melinda Gates, one of the most inspiring and influential philanthropists of our time, shares the stories of the remarkable women she has encountered from around the globe. Gates eloquently weaves key lessons with inspiring anecdotes of women overcoming pressing challenges. The book is a reminder of both the power of story and the need for change, and proof that when women succeed, we all succeed.
Literary Places (Inspired Traveller’s Guide), by Sarah Baxter and Amy Grimes. Reading often transports us to new worlds and unexplored places—that is part of the magic of a memorable book and its charming illustrations. In Literary Places, travel journalist Sarah Baxter takes us on a journey to locales around the world through some of the most celebrated and emotionally impactful oeuvres of modern history. From the labyrinth of markets and mosques of medieval Cairo in Naguib Mafouz’s Palace Walk to the sun-drenched plains of Don Quixote’s La Mancha, the tangled streets of Victor Hugo’s Paris to the moody sites of New York City in J.D. Salinger’s Catcher in the Rye, Baxter offers a distinctive and informative guide through time, geography, and the human experience with our surroundings.
The Prosperity Paradox: How Innovation Can Lift Nations Out of Poverty, by Clayton Christensen, Efosa Ojomo and Karen Dillon. Co-authors Clayton Christensen, Efosa Ojomo and Karen Dillon tackle one of the world’s most enduring and intractable issues: Poverty. Despite seemingly altruistic intentions of development and billions of dollars of resources, many countries on the receiving end of aid from the developed world have, in fact, become even poorer. Addressing the multitude of factors for this frustrating contradiction, Christensen, Ojomo, and Dillon offer an alternative route to sustainable development, using innovative proven models from around the world.
My Mexico City Kitchen: Recipes and Convictions, by Gabriela Camara. Celebrated restaurateur and chef Gabriela Camara has helped transform the food scene in Mexico City with her modern, fresh take. Her acclaimed restaurants—Contramar in Mexico City and Cala in San Francisco—have become wildly popular, a testament to her creativity. In My Mexico City Kitchen, Camara presents the stories and “how to” for some of her most delectable dishes, seamlessly blending the expected (enchiladas and tacos) with the imaginative (savory corn pudding and tuna puff pastries) for global gourmets.
Range: Why Generalists Triumph in a Specialized World, by David Epstein. Specialization from an early age in athletics, music, art and science is often touted as the key to becoming an elite master of industry. David Epstein’s research turns this theory on its head. In Range, he shares the secrets of how generalists are succeeding at every age. His work spotlights the fact that it is not necessarily when we start, but more often how starts, failures and restarts fuel our agility, determination and ultimate success. ”Don’t feel behind” is this author’s advice—and with deep insights at the point of where sport, science and technology cross, it’s advice worth following.
D-Day Girls: The Spies Who Armed the Resistance, Sabotaged the Nazis, and Helped Win World War II, by Sarah Rose. Before the invasion of Normandy signaled a turning point in World War II, Allied forces faced a seemingly unstoppable Germany. The situation demanded unprecedented action on the part of the Special Operations Executive—a move to recruit women as spies. Thirty-nine women would go on to serve in a program of sabotage, disruption and espionage that would pave the way for an Allied victory at D-Day. As we approach the 75th anniversary of this historic day, Sarah Rose has rigorously researched their stories and pointed a much-needed spotlight on some of the unsung heroines of the war. Her gripping accounts evoke the drama and action of a spy-novel—except they’re all true.
Atlas Obscura: Explorer’s Guide for the World’s Most Adventurous Kid, by Dylan Thuras and Rosemary Mosco. Spanning 47 countries and all seven continents, Atlas Obscura is an illustrated guide to some of the most magical and strange places known to man—all with an eye to the young explorer. Glowing caves, massive tree houses, an ice cream shop with 900 flavors and more will captivate and charm readers young and old. This globe-trekking guide is a perfect blend of consumable facts, illuminating history, geography and culture—seasoned with a sense of fun and excitement. Bon voyage!
Bank of India Offer Shoppers Stop.com
The Offer is valid till 31 March 2020.
DBS Bank Debit Card Users’ Guide
Risk Disclosure for Use of Debit Card
Terms and Conditions on Debit Card
1 General Provisions
2 Application
3 Account
4 Usage of Debit Card
5 Password
6 Loss report
7 Customer Service Hotline
8 Account Reconciliation
9 Retention of Debit Card
10 Cancellation of Debit Card
11 Account Terms and Conditions
12 Fees and Charges
13 Rights of Cardholder
14 Obligations of Cardholder
15 Rights of Card Issuing Bank
16 Obligations of Card Issuing Bank
17 Miscellaneous
Restrictions of Debit Card Service
DBS Bank Economics Research : China’s slowdown shadows return
China’s slowdown shadows return
May 16, 2019
China’s domestic demand saw broad-based easing in April. More pro-growth policies are expected.
Photo credit: AFP Photo
China’s domestic demand saw broad-based easing in April. The NBS Manufacturing PMI fell from 50.5 in March to 50.1 in April. Advances of retail sales decelerated from 8.7% YoY to 7.2%, the slowest growth since May 2003. Industrial value-added also fell to 5.4% in April from 8.5% in March. Fixed asset investment (FAI) moderated to 6.1% YoY YTD from 6.3% pending the effect of accelerated infrastructure spending to surface.
Private consumption sentiment has remained cautious. Sales performance of cosmetic, furniture, and daily use goods decelerated noticeably. Non-necessity such as automobile registered on-year decline for 12th consecutive month. Supply of automobiles production also fell 15.8%, down significantly from -2.6% in March. Gold, silver and jewelry rebounded to positive territory modestly (Chart 2). Consumption sentiment was dampened by weaker expectation of future income growth alongside a weakening labour market.
The employment PMI for both manufacturing and the non-manufacturing had remained in contraction zone. Unemployment rate is standing above 5.0% for over 8 months despite mild retreat seen lately (Chart 3), exerting downward pressure on wage. Also, negative wealth effect from the slumping equity market is likely to weigh on spending power. CSI 300 fell from its 13 months high of 4,121 points to 3,680 of late (down 10.2%).
Industrial production has already weakened in tandem with sluggish export performance. It fell 2.7% in April, down from an increase of 13.8% in March. China decided to retaliate on USD60bn US imported goods over the weekend. The US is also planning to raise tariffs to 25% for the rest (USD325bn) of the Chinese shipments (mainly consumer goods), which will be an unambiguous negative for exports. Deterioration in industrial activities will weigh on GDP growth. According to our estimation, 25% tariffs on USD 200bn Chinese exports would shave 1.0ppt on GDP growth this year. Tariffs impositions on all of China’s exports to the US would impact about 1.5 ppt (see “RRR cut signals PBoC still supportive”).
Hence more pro-growth policy is expected. Meanwhile, the impact from VAT cut effective in April (RMB800bn corporate tax saving) and social security fee cut effective in May (>300RMB) will feed through into growth momentum.
More large-scale domestic stimulus is also needed to boost the industrial activities. On a positive note, real estate investment went up by 2.4ppt to 11.9% YTD. Yet, investment appetite in manufacturing sector remained particularly conservative (Chart 4). Infrastructure investment decelerated further since early 2019. The downtrend may reverse course ahead. More projects will be rolled out by NDRC. In fact, there was appreciable improvements in commodities imports such as oil, copper and coal due to increased demand from infrastructure projects (see “Stimulus is working; more coming”). Local government bond, as main source of funding for infrastructure, has been rising steadily (Chart 5). Its cumulative issuance jumped 16.1% from March.
Premature policy normalization could risk choking off growth momentum. Tightening monetary condition seen in April, is therefore not likely to sustain (Chart 6). FAI should rebound down the road. Currently, FAI was mainly driven by state-owned enterprises (SOEs) (Chart 7). The authority will continue to impose targeted measure to unclog funding channels to private enterprises (POEs) who are more affected by the China-US trade war.
In fact, bank loan dropped from 13.7% to 13.5% in April. The corporate loan as percentage of total loan shrank (Chart 8) mirroring weakening loan demand. Therefore, PBoC extended CNY267.4 bn to commercial banks in April via its targeted medium-term lending facility (TMLF). Reserve requirement ratio (RRR) cut will release RMB280bn for small to medium size banks, exerting downward pressure on interest rates. Yield of 10-year government bonds dropped from 12.4bps from a year-high of 3.435% to 3.311% of late.
Re-leveraging will eventually add downward pressure to CNY exchange rate. CNY has depreciated towards 6.9 from 6.7 against the USD (Chart 9). Our back-of-the-envelope calculations showed that if the US increased tariffs to 25% from 10% on USD 200bn of China’s goods, USD/CNY could rise to 7.30. A full-blown trade war which entails a 25% US tariff on the rest of China’s goods could propel USD/CNY to 8 (see “Effective link between tariffs and CNY”, December 13, 2018). A relatively strong US economy may dissipate the dovish stance of Fed, thereby also adding downward pressure on CNY.
DBS introduces 3+3+6 mortgage repayment plan to help you manage your monthly mortgage installments with greater convenience!
| Currency | Savings | 3-month | 6-month |
|---|---|---|---|
| USD | 0.05% | 2.00% | 2.10% |
| HKD | 0.01% | 1.00% | 1.10% |
| RMB | 0.35% | 1.485% | 1.75% |
Greater Bay Area: In-depth Study by DBS Bank Group Research
Group Research / May 15, 2019
Our analysts took a deep dive to examine opportunities and challenges to come as the Greater Bay Area (GBA) embarks on its journey to become China’s newest innovation and technology hub.
Despite strong economic growth over the past decades, the Greater Bay Area (GBA) – excluding HK and Macao – is still being viewed as a manufacturing- driven economy. This explains why its wealth level is only 25% to 50% of other global bay areas. We expect the services sector to lead economic growth going forward, with its GDP contribution to rise from 57% (66% incl. Hong Kong and Macau) to 72% (and 76%) by 2030. With this transformation, we estimate that population in the region will expand from 70m currently to over >100m in 2030; GDP per capita is estimated to double and catch-up with Tokyo Bay area, creating tremdous opportunities for companies in this area.
We have performed an analysis to identify the potential of each industry in the GBA region, based on near-term (2022) and long-term (2030) growth (CAGR). Our rankings show that high value-added manufacturing such as new energy vehicles (NEV), smart appliances, consumer Internet of Things (IoT) hardware and environmental products will lead near-term growth. In the long-term, growth will also be driven by online ads, finance services, healthcare, warehouse, office and education services; similar to global peers as the services industry flourishes.