银行信用卡分中心关停潮持续

Core Viewpoint - The article highlights a significant trend in the banking industry where credit card centers are being closed, indicating a shift from aggressive expansion to refined management in credit card operations [3][5][11]. Group 1: Closure of Credit Card Centers - The closure of credit card centers continues, with Guangzhou Bank's Zhongshan center being the latest to cease operations, marking the second closure this year [3][5]. - Since 2025, over 60 credit card centers across the country have been shut down, including those of major banks like Postal Savings Bank and China Everbright Bank [6][8]. - The trend is not limited to city commercial banks; state-owned banks like Bank of Communications have also closed over 50 local centers since 2025, indicating a broader industry shift [5][6]. Group 2: Industry Transformation - The contraction of local credit card centers is seen as a necessary outcome of industry transformation, driven by the rise of mobile internet and the saturation of the market [8][9]. - Banks are expected to integrate management functions of closed centers into local branches, focusing on customer service and account management to reduce operational costs [8][9]. - The credit card business is transitioning to a phase centered on refined operations rather than mere expansion, with private domain operations becoming a key strategy for banks to engage existing customers [8][9]. Group 3: Digital and Ecological Development - The future of credit card operations is expected to focus on digital transformation and ecological development, moving away from a model based solely on market size [11][12]. - Digital tools and AI technology are being utilized to enhance customer engagement and operational efficiency, allowing banks to implement personalized marketing and risk management [11][12]. - The integration of credit card services with wealth management and other financial services aims to create a comprehensive service system that enhances customer loyalty and business value [11][12].