Zheng Quan Ri Bao·2025-04-28 18:39Core Insights - The closure of credit card branches by national commercial banks indicates a shift from extensive expansion to refined operations in the industry [1][2][3] - The trend of closing credit card centers is driven by risk control and cost optimization considerations, particularly in regions with economic slowdown and population outflow [2][3] - The transition to localized management of credit card operations is a strategic response to changing market dynamics and aims to enhance operational efficiency [4][5] Summary by Sections Industry Trends - Since April, national commercial banks have accelerated the closure of credit card branches, with notable closures by Bank of Communications, China Minsheng Bank, and Guangfa Bank [1][2] - A total of 28 credit card branches have been closed by these banks since 2025, with a focus on regions like Northeast and North China [2][3] Strategic Shifts - The shift from centralized management to localized operations is highlighted as a core strategy for 2024, allowing banks to leverage local resources and improve service efficiency [4][5] - The closure of redundant branches is seen as a necessary step to optimize resource allocation amid declining card issuance and consumption [3][5] Future Outlook - Experts suggest that banks should focus on digital transformation, risk management, and differentiated product offerings to adapt to the evolving market [6][7] - The move towards online credit card services is viewed as an inevitable trend, driven by the dominance of online scenarios and the advantages of lower costs [7]