信用卡不良贷款高企，广州银行关停7家分中心

Core Viewpoint - The trend of credit card center closures is continuing, with Guangzhou Bank shutting down all seven of its credit card centers as part of a strategic adjustment in response to declining credit card loan balances and rising non-performing loan rates [2][3][6]. Group 1: Company Actions - Guangzhou Bank has announced the closure of its credit card centers in Foshan, Dongguan, Zhongshan, Huizhou, Zhuhai, Jiangmen, and Shenzhen, with all credit card services now managed centrally by the bank [5]. - The bank's credit card loan balance for 2024 is reported at 70.442 billion yuan, a year-on-year decrease of 18.11%, alongside a significant drop in net income from fees and commissions, which fell by 18.52% [6]. Group 2: Industry Trends - Since 2025, over 60 credit card centers nationwide have closed, indicating a broader trend of banks adjusting their credit card operations towards centralized management and integration with local branches [4]. - The total number of credit cards issued in China has been declining since reaching a peak in 2022, with the latest data showing a reduction of 8 million cards from the previous quarter and over 10 million from the peak [7]. Group 3: Strategic Shifts - The industry is shifting focus from scale expansion to refining existing customer relationships and enhancing asset quality, with credit cards evolving into key entry points for diverse consumer scenarios [7][8]. - The closure of inefficient credit card centers is seen as a necessary step towards high-quality development in the financial sector, allowing for better risk management and operational efficiency [7].