银行信用卡业务去向何方

Core Viewpoint - The co-branded credit card market is undergoing significant changes, with many banks halting or adjusting their co-branded credit card products due to a shift in strategy towards cost and revenue balance [1][2][3]. Group 1: Market Changes - Several major banks, including Postal Savings Bank and China Construction Bank, have announced the suspension of certain co-branded credit card products since January [2]. - Other banks such as Bank of China, China Merchants Bank, and others have followed suit, indicating a broader trend in the credit card market [2]. - The suspension of co-branded credit cards reflects a restructuring of the credit card business landscape [1][2]. Group 2: Regulatory Impact - The implementation of the "Credit Card New Regulations" in July 2022 has prompted banks to shift focus from acquiring new customers to retaining existing ones [3]. - The new regulations require banks to monitor and manage dormant credit cards, limiting the proportion of such cards to no more than 20% of total issued cards [3]. Group 3: Strategic Shifts - Banks are moving from aggressive customer acquisition strategies to a more value-driven approach, focusing on enhancing core competitiveness in credit card services [4][5]. - The future of credit card business is expected to integrate with other financial services, improving overall service quality for high-value customers [5].