银行推费率优惠等活动发力信用卡分期业务

Core Insights - The total number of credit cards and combined loan cards in China reached 715 million by the end of Q2 2025, a decrease of 6 million from the previous quarter, marking the 11th consecutive quarter of decline since Q3 2022 [1] - In response to the overall contraction in credit card business, banks are increasingly focusing on installment services as a key growth area, optimizing product design, lowering installment rates, and simplifying application processes to attract more customers [1][2] - The shift in the credit card industry reflects a transition from broad customer acquisition to refined management of existing customers, with a focus on deepening customer engagement rather than merely expanding market share [1][4] Industry Trends - The decline in card issuance is attributed to market saturation, prompting banks to clean up inactive cards and high-risk customers, while regulatory policies discourage using card issuance volume as a sole performance metric [1][4] - Banks are implementing various strategies to enhance installment services, including fee adjustments for large purchases like home renovations and appliances, with some banks offering annualized rates as low as 2.16% [2][3] - Simplification of processes is also a focus, with banks introducing features like "one-click installment" through mobile banking apps, significantly reducing approval times from several days to minutes [3] Strategic Focus - The push for credit card installment services aligns with national policies aimed at promoting consumption, indicating a strategic shift from volume-based growth to value-based customer engagement [4] - Banks are advised to maintain strict risk control, ensure transparency in fee structures, and avoid misleading marketing practices to protect consumer rights [5] - A sustainable development model for credit card businesses is suggested, emphasizing a customer-centric ecosystem that leverages intelligent risk control, deep integration into consumer scenarios, and digital operations to enhance service value [5]