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总结
据多家媒体报道，美国前总统特朗普提出对信用卡利率设置上限（市场讨论为约10%）的设想，引发资本市场对银行盈利与信贷供给的担忧，相关金融股下跌。金融科技公司SoFi的CEO表示，若信用卡利率被强制压低，部分持卡人可能转向个人贷款等替代融资渠道，这反而利好SoFi的放贷与获客。该提议同时伴随“高利率可能违法”的指责，令投资者关注后续政策与监管走向及对消费者成本与风险定价的影响。
正文
SoFi CEO says Trump's proposed credit card cap would drive people to personal loans, and that's good for SoFi Business Insider Capital One drops 6%, other banks hit after Trump calls for credit card rate cap CNBC What 10% Credit-Card Rate Cap Would Mean for Your Wallet The Wall Street Journal Financial stocks fall as Trump's credit card rate cap plan rattles investors Reuters Trump Says Credit Card Firms Violate Law If Rates Not Capped Bloomberg.com
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