多家银行关停信用卡异地分中心

Group 1 - The core viewpoint is that commercial banks are increasingly shutting down credit card centers, with nearly 30 banks having closed their credit card centers this year [1][5] - The China Banking and Insurance Regulatory Commission has approved the closure of several credit card centers, including those of Bank of Communications and other banks [2][4] - The trend indicates that banks are entering a phase of stock competition in their credit card business, with a shift towards optimizing resources and enhancing core competitiveness [6][11] Group 2 - The credit card business is experiencing a slowdown in growth, with a 5.14% year-on-year decrease in the total number of credit cards and loans issued, totaling 727 million cards by the end of 2024 [8] - Major banks like China Bank and Industrial and Commercial Bank of China have reported declines in credit card issuance and transaction volumes, indicating a challenging market environment [8][10] - The shift towards local operations and the closure of credit card centers are part of a broader strategy to improve customer service and adapt to the digital finance landscape [10][12]