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A |     　　央视网消息(新闻联播)：近日，中国工商银行、中国农业银行等多家商业银行发布公告，从8月1日起，每名借款人在同一家银行可享受的个人消费贷款和信用卡分期业务累计贴息上限由每年3000元提高到每年5000元。    LONDON -- The European Commission on Thursday made a formal, legally binding request for information from Elon Musk's social media platform X over its handling of hate speech, misinformation and violent terrorist content related to the Israel-Hamas war.It is the first step in what could become the EU's inaugural investigation under the Digital Services Act, in this case to determine if the site formerly known as Twitter is in compliance with the tough new rules meant to keep users safe online and stop the spread of harmful content.San Francisco-based X has until Wednesday to respond to questions related to how its crisis response protocol is functioning. Responses to other questions must be received by Oct. 31. The commission said its next steps, which could include the opening of formal proceedings and penalties, would be determined by X's replies.Representatives for X did not immediately respond to a message seeking comment. The company's CEO, Linda Yaccarino, said earlier that the site has removed hundreds of Hamas-linked accounts and taken down or labeled tens of thousands of pieces of content since the militant group's attack on Israel. One social media expert called the actions “a drop in the bucket."Yaccarino on Thursday outlined steps taken by X to combat illegal content flourishing on the platform. She was responding to an earlier letter from a top European Union official for information on how X is complying with the EU's new digital rules during the Israel-Hamas war. That letter, which essentially served as a warning, was not legally binding — the latest one, however, is. “X is proportionately and effectively assessing and addressing identified fake and manipulated content during this constantly evolving and shifting crisis,” Yaccarino said in a letter to European Commissioner Thierry Breton, the 27-nation bloc's digital enforcer.But some say the efforts are not nearly enough to tackle the problem.“While these actions are better than nothing, it is not enough to curtail the misinformation problem on X,” said Kolina Koltai, a researcher at the investigative collective Bellingcat who previously worked at Twitter on Community Notes. “There is an overwhelming amount of misinformation on the platform," Koltai said. "From what we have seen, the moderation efforts from X are only addressing a drop in the bucket.” Since the war erupted, photos and videos have flooded social media of the carnage, including haunting footage of Hamas fighters taking terrified Israelis hostage, alongside posts from users pushing false claims and misrepresenting videos from other events. The conflict is one of the first major tests for the EU’s groundbreaking digital rules, which took effect in August. Breton fired off a similar letter Thursday to TikTok, telling CEO Shou Zi Chew that he has a “particular obligation” to protect child and teen users from “violent content depicting hostage taking and other graphic videos” reportedly making the rounds on the video sharing app. For X, changes that Musk has made to the platform since he bought it last year mean accounts that subscribe to X's blue-check service can get paid if their posts go viral, creating a financial incentive to post whatever gets the most reaction. Plus, X's workforce — including its content moderation team — has been gutted.Those changes are running up against the EU's Digital Services Act, which forces social media companies to step up policing of their platforms for illegal content, such as terrorist material or illegal hate speech, under threat of hefty fines. “There is no place on X for terrorist organizations or violent extremist groups and we continue to remove such accounts in real time, including proactive efforts,” Yaccarino wrote in the letter posted to X.X has taken action to “remove or label tens of thousands of pieces of content,” Yaccarino said, pointing out that there are 700 unique Community Notes — a feature that allows users to add their own fact-checks to posts — "related to the attacks and unfolding events." The platform has been “responding promptly” and in a “diligent and objective manner” to takedown requests from law enforcement agencies from around the world, including more than 80 from EU member states, Yaccarino said. Koltai, the researcher and former Twitter employee, said Community Notes are not an “end-all solution to curtailing misinfo” and that there are gaps that the feature just can't fill yet.“There are still many videos and photos on X that don’t have notes that are unmoderated, and continue to spread misleading claims,” she said. Since Musk acquired Twitter and renamed it, social-media watchers say the platform has become not just unreliable but actively promotes falsehoods, while a study commissioned by the EU found that it's the worst-performing platform for online disinformation. Rivals such as TikTok, YouTube and Facebook also are coping with a flood of unsubstantiated rumors and falsehoods about the Middle Eastern conflict, playing the typical whack-a-mole that erupts each time a news event captures world attention.Breton, the EU official, urged TikTok's leader to step up its efforts at tackling disinformation and illegal content and respond within 24 hours. The company did not reply immediately to an email seeking comment. Breton's warning letters have also gone to Mark Zuckerberg, CEO of Facebook and Instagram parent Meta. —AP Technology Writer Barbara Ortutay in Oakland, California, contributed to this report.。

B | 　　信用卡消费贴息范围由信用卡账单分期扩展到汽车分期、装修分期等专项分期，以及消费分期、预借现金分期等各类分期产品。信用卡分期贴息的比例为年化1个百分点，且最高不超过办理相应信用卡分期业务时约定的折算年化利率的50%。　　多家银行还明确，无论是个人消费贷款还是信用卡分期贴息，都不需要单独申请，银行识别是真实、合规的消费后，就能直接享受贴息。银行办理贴息服务不收取服务费。此外，8月1日到政策发布日之间已经办理的信用卡分期业务，可以联系银行申请补贴息。　　提高个人消费贷款财政贴息额度上限、拓宽贴息范围，可降低居民消费信贷成本，与以旧换新等促消费政策叠加共振，进一步支持广大居民消费。　　来源：央视网。

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