信用卡“瘦身”记：从规模狂奔到价值深耕的转型突围丨银行与保险

Core Viewpoint - The credit card industry is undergoing a significant transformation driven by digitalization, with banks shifting from scale expansion to value reconstruction, as evidenced by the closure of off-site credit card centers [1][2]. Group 1: Industry Transformation Pressures - The credit card industry's adjustment is a result of multiple intertwined contradictions, including historical issues from aggressive expansion, leading to increased credit risk and higher non-performing loan rates [3][4]. - Regulatory policies have imposed strict constraints, pushing banks to focus on quality over quantity in their credit card operations, as highlighted by the guidelines issued in July 2022 [4][5]. - The rise of mobile payments and alternative credit products has disrupted traditional credit card usage, necessitating banks to adapt by reducing ineffective operations and focusing on customer value [6][9]. Group 2: Strategic Value of Credit Cards - Despite industry contraction, credit cards remain a vital source of income for banks and play a crucial role in promoting domestic consumption [8][10]. - The transformation emphasizes a shift from scale to quality, focusing on building a customer value-centric operational system [8][10]. Group 3: Product Innovation and Ecosystem Development - Banks are moving from broad offerings to targeted solutions, embedding credit card products into specific consumer scenarios, enhancing user engagement and transaction frequency [9][10]. - The development of a multi-dimensional ecosystem is underway, integrating credit cards with various financial services and consumer experiences, thereby extending customer lifecycle value [11][12]. Group 4: Intelligent Operations and Risk Management - The adoption of AI and big data is reshaping operational efficiency and risk management in the credit card sector, improving user experience and enabling precise risk control [13][14]. - Banks are transitioning to a dynamic risk management system that leverages real-time data for credit assessments and customer segmentation [14]. Group 5: Future Outlook - The credit card industry's evolution signifies a shift from quantity to quality, with a focus on service efficiency and customer value exploration [16][17]. - Future competition will hinge on the ability to integrate financial services into consumer journeys, the depth of technology application, and the level of ecosystem development [16][17].