每经热评︱信用卡分中心“退场” 金融服务不能“退潮”

Core Viewpoint - The recent approval by the Liaoning Financial Regulatory Bureau for the termination of operations of several credit card centers indicates a shift in the banking sector's approach to credit card business management, moving from centralized operations to localized management to enhance efficiency and reduce costs [1][2]. Group 1: Industry Trends - Nearly 40 credit card centers from various banks, including Bank of Communications, Minsheng Bank, and Guangfa Bank, have received regulatory approval to cease operations this year, reflecting a broader trend in the industry [1]. - The credit card market in China is nearing saturation after over 20 years of rapid growth, with the total number of credit cards and combined credit cards dropping from a peak of 807 million in June 2022 to 721 million by the first quarter of this year, a decrease of approximately 86 million cards in less than three years [2]. Group 2: Strategic Adjustments - Banks are encouraged to deepen their focus on the existing market by innovating products tailored to different customer segments, shifting the competitive focus from "new card issuance" to "active card usage" [3]. - Increased investment in technology is essential, as online customer acquisition costs are lower and more valuable; banks should leverage digital transformation opportunities and enhance risk management through AI and big data [3]. - The transition to localized management of credit card operations should not merely consolidate operations but also create synergies with retail banking services, enhancing customer engagement and providing comprehensive service offerings [3].