2026年1月12日, 在特朗普提出10%的信用卡利率上限后, 美国金融股票暴跌, U.S. financial stocks tumbled on Jan. 12, 2026, after Trump proposed a 10% cap on credit card interest rates, sparking sell-offs and raising concerns over credit access and the plan’s legality.

美国金融股票在2026年1月12日下跌, 总统唐纳德·特朗普提出将信用卡利率上限定为一年10%, 大约是目前平均利率的一半。 U.S. financial stocks fell on January 12, 2026, after President Donald Trump proposed a one-year cap on credit card interest rates at 10%, roughly half the current average. 该计划缺乏执行细节,引发了各大银行、付款处理商和消费金融公司之间的买卖,JP摩根大通、美国银行和资本一的股份下降了2%至11%。 The plan, lacking enforcement details, triggered sell-offs across major banks, payment processors, and consumer finance firms, with shares of JPMorgan Chase, Bank of America, and Capital One dropping 2% to 11%. 巴克莱公司下降了3.5%,反映出对美国信用卡业务的担忧。 Barclays declined 3.5%, reflecting concerns over its U.S. card business. 分析家警告说,上限可减少获得信贷的机会,特别是高风险借款人获得信贷的机会,并可促进购买后付后服务等替代服务,这种服务已见收益。 Analysts warned the cap could reduce credit access, especially for high-risk borrowers, and boost alternatives like buy-now-pay-later services, which saw gains. 未经国会批准,该提案的法律可行性仍不确定。 The proposal’s legal feasibility without congressional approval remains uncertain.