业务增速放缓 银行调整信用卡重点客群

Core Insights - The credit card business of banks in 2021 showed steady growth in issuance volume but a general slowdown in growth rate, with non-performing loan (NPL) ratios remaining stable and showing an overall downward trend [1][4] Group 1: Issuance Volume and Growth Rate - The issuance volume of credit cards in the banking sector increased steadily in 2021, but the growth rate has generally slowed down [2] - Among the six major state-owned banks, Postal Savings Bank led with a growth rate of 12.93%, while other banks like ICBC, Bank of China, and others had growth rates ranging from 1.88% to 2.53% [2] - In the joint-stock banks category, CITIC Bank and Ping An Bank had growth rates of 9.4% and 9.2%, respectively, while China Merchants Bank's growth was only 2.9% [2] - The consumption amount on credit cards saw significant figures, with China Merchants Bank exceeding 4 trillion yuan, while other banks like Postal Savings Bank and CITIC Bank achieved double-digit growth [2] Group 2: Non-Performing Loan Ratios - The overall NPL ratios for credit cards in 2021 began to decline as social life gradually recovered [4] - Agricultural Bank, Construction Bank, and Postal Savings Bank reported NPL ratios of 0.99%, 1.33%, and 1.66%, respectively, all showing year-on-year decreases [4] - CITIC Bank's NPL ratio decreased significantly by 0.55 percentage points to 1.83%, while Minsheng Bank and Ping An Bank also reported declines [4] Group 3: Regulatory Changes and Strategic Shifts - The China Banking and Insurance Regulatory Commission (CBIRC) issued a notice emphasizing that banks should not use the number of issued cards or market share as performance metrics, highlighting the need to reduce the proportion of "sleeping cards" [3] - Experts suggest that banks need to shift their focus from merely increasing card issuance to enhancing the quality of service and operational efficiency, particularly in managing existing customers [7] - Banks like China Merchants Bank are adjusting their credit card strategies to focus on risk control and customer segmentation, targeting stable consumer groups such as millennials and women [8]