本文字数：2166，阅读时长大约4分钟 作者 | 第一财经 陈君君 继中国银行率先关停独立信用卡App后，邮储银行近日也宣布，将逐步停止更新"邮储信用卡App"， 并将相关功能整体迁移至"邮储银行App"。在用户增长放缓、获客成本上升的背景下，独立信用卡 App的生存空间持续收窄，银行App"瘦身"与一体化趋势越发清晰。 业内人士指出，随着信用卡卡量扩张红利消退、盈利空间承压，分散化、多入口的线上运营模式已触 及效率天花板。通过整合信用卡服务至主App，银行有望在降低成本的同时，提升用户体验与资源配 置效率，推动信用卡业务从"独立运营"转向"统一入口、综合服务"的新阶段。 信用卡App关停与整合提速 2025.12. 23 在苏商银行特约研究员薛洪言看来，信用卡App功能相对单一，与主App高度重合，独立存在的边际 价值持续下降；而直销银行、信用卡等App多诞生于互联网流量红利期，如今用户活跃度不足、同质 化严重，整合成为提升效率的现实选择。 邮储银行近日发布的《关于调整我行信用卡线上渠道服务的公告》称，根据业务发展需要，将对信用 卡线上渠道服务进行调整，逐步推进信用卡功能向"邮储银行App"整合。整合完成后 ...

有业内人士分析指出，当前银行业已从粗放扩张阶段迈入精细化管理、高质量发展的转型期，女性领导者的优势 正逐步凸显。其天然的亲和力、敏锐的观察力，以及在平衡复杂关系、风险管控等方面的特质，更适配普惠金 融、绿色金融、消费金融等新兴业务领域的发展需求。上述业内人士表示，"从长沙银行的业务布局来看，张曼的 任职有望进一步强化该行在消费金融、县域普惠等领域的竞争力。" 上市银行拟再添一位女性董事长。12月19日，长沙银行公告显示，原董事长赵小中因到龄离任，董事会已选举张 曼为新任董事长。公告同时显示，张曼的董事长任职资格尚需报国家金融监督管理总局湖南监管局核准，在此期 间，张曼将代为履行董事长职责。这意味着，若核准通过，这家湖南省唯一上市银行将迎来首位女性掌舵人。 金融女将"接棒" 资料显示，现年53岁的张曼是湖南长沙县人，早年主要供职于农行系统，曾任中国农业银行长沙县支行营业部副 主任、客户部主任、副行长等职。2006年，张曼加入长沙银行，历任星城支行行长、长银五八消费金融筹备办公 室主任等职。2015年10月，她获聘为长沙银行副行长。2024年8月，长沙市委组织部发布任前公示显示，张曼拟任 市管企业正职。随后，她接 ...

21世纪经济报道记者林汉垚 见习记者冯紫彤 随着 2026 年日益临近，银行股的业绩走向与结构分化逻辑再次成为机构研报的核心议题。 作为"十五五"规划的开局之年，银行业的经营环境与投资逻辑将如何演变？对于投资者而言，机会藏于何处？ 近期，多家券商密集发布年度展望，普遍认为在宏观政策托底、息差有望筑底以及存量风险持续缓释的背景下，2026年上市银行整体业绩大概率将步入温和 修复通道。 然而，几乎所有机构都同时强调，行业内部的结构性分化将成为未来一年的主旋律，马太效应加剧，具备独特客户优势、负债成本管控能力或特定区域禀赋 的银行，将有望领跑新一轮周期。 业绩温和修复成共识，内部分化已成定局 对于2026年的行业整体业绩走势，机构观点呈现出显著共识。多数研报判断，得益于息差收窄压力的缓解和财富管理等中收业务的增长，上市银行营收与净 利润将告别低迷，实现小幅正增长，步入温和的修复通道。 然而，这并非一次普惠式的回暖，"分化"成为各机构策略报告中最高频的关键词之一。 机构普遍指出，银行业增长驱动逻辑正在发生根本性转变，从同质化的规模扩张，转向依赖客户粘性、业务结构和经营效率的差异化竞争。那些在结算业 务、财富管理领域建 ...

2025年，中国银行业数字化转型驶入"深水区"，数字招标市场呈现"规模扩容、技术升级、竞争加剧"三 大特征。IDC数据显示，2024年中国银行业IT投资规模已达1693.15亿元，同比增长3.6%，预计2028年将 突破2662亿元，数字化投入正从零散采购转向系统性布局。 即使时近年底，银行业数字化建设招标也在如火如荼进行中，例如建设银行湖北省分行推进的软件开发 及技术服务采购，年度招标控制价达2250万元；中信银行聚焦全面风险智慧管理系统二期实施服务，明 确实施工作量不少于227人/月、周期9—11个月，高级工程师及以上人员工作量占比不低于35%，且投 标人须具备2020年至今大中型银行总行风险管理类项目实施服务案例…… 为此，巴伦中文网就2025年前11个月各类银行业数字化建设招标特点、数字化建设招标项目类型以及投 标者优劣势进行归纳分析，可以看出银行的数字化成功，不仅仅取决于投入规模，更重要的是精准匹配 自身定位，在关键赛道上选择"最对"而非"最贵"的路径与伙伴。 中信银行的全面风险智慧管理系统二期项目，明确高级工程师及以上人员工作量占比不低于35%，且投 标人须具备大中型银行总行风险管理类项目经验，可 ...

Core Viewpoint - The article discusses the accelerating trend of bank branch closures in China, highlighting the significant impact of digitalization and cost pressures on the banking industry [4][10][17]. Group 1: Bank Closures and Statistics - In the first half of 2023, approximately 2,677 bank branches were approved for closure, surpassing the total for the entire previous year [4][6]. - As of October 24, 2023, a total of 8,592 bank branches have been approved for closure, representing an increase of nearly 200% compared to the projected closures for 2024 [7]. - The majority of closures are attributed to small and medium-sized banks, particularly rural commercial banks, which account for over 80% of the closures [9][10]. Group 2: Reasons Behind Bank Closures - The shift towards digital banking has led to a significant decline in foot traffic at physical branches, with a reported 60% decrease over the past five years [15][17]. - Operational costs for physical branches are high, estimated between 2 million to 5 million yuan annually, while online operations cost only about 10% of that [18]. - The decline in traditional banking activities, coupled with rising non-performing loan rates, has created a mismatch between costs and revenues, forcing banks to downsize [22][23]. Group 3: Impact on Different Demographics - Elderly individuals are most affected by branch closures, facing difficulties in accessing banking services that they are accustomed to, such as cash withdrawals and in-person assistance [26][28]. - Banks are attempting to mitigate these impacts through initiatives like mobile service vehicles and community banking services [29][31]. Group 4: Opportunities Amidst Challenges - Experts believe that the reduction of bank branches does not equate to the demise of banks but rather signifies a necessary optimization and restructuring [36]. - Banks are transitioning towards specialized and functional services, with 6,859 new specialized branches being established in areas like automotive and technology finance [37]. - The introduction of smart banking solutions, such as intelligent teller machines and remote video customer service, is enhancing service efficiency and customer experience [40][41].

Core Viewpoint - Several banks, including Industrial and Commercial Bank of China, Bank of China, and China Everbright Bank, are actively implementing the national policy on childcare subsidies, which will provide financial support for families with children under three years old starting from January 1, 2025, with a basic annual subsidy of 3,600 yuan per child [1][2]. Group 1: Bank Responses - On November 17, Bank of China disbursed the first batch of childcare subsidy funds in Liaoning and Hebei, benefiting nearly 1,600 newborn families [2]. - Industrial and Commercial Bank of China has launched instant social security card services at multiple branches to facilitate the application for childcare subsidies [3]. - China Everbright Bank announced that childcare subsidies can be claimed through multiple online and offline channels, providing families with additional comprehensive financial services [3]. Group 2: Innovative Services - Banks are enhancing the subsidy distribution process by offering innovative services, such as Bank of China's online application for newborn social security cards and special discounts on family-related products and services [4]. - China Everbright Bank has introduced a "Childcare Subsidy Classroom" on its official WeChat account to promote related policies [5]. - Industrial and Commercial Bank of China has developed a one-stop service plan for newborn families, integrating social security card applications with comprehensive financial services [5]. Group 3: Future Opportunities - As the subsidy application process begins, banks are expected to introduce more supportive financial services related to childbirth policies [6]. - Experts believe that banks' involvement in subsidy distribution not only fulfills national strategic missions but also creates value through customer retention, business expansion into maternal and infant consumption, and brand enhancement [7]. - The broad service networks of banks can facilitate the efficient implementation of childbirth support policies while allowing them to capture specific customer segments and expand their business scope [7]. Group 4: Challenges and Recommendations - Banks face challenges in system integration and data sharing with government departments, necessitating careful coordination and adaptation [8]. - There is a need for banks to improve mechanisms to ensure accurate subsidy distribution, avoiding errors in payments [8]. - Experts suggest that banks should focus on creating unified data standards, streamlined approval processes, and consistent service experiences to enhance the effectiveness of the subsidy program [8].

Core Insights - The banking industry is transitioning from a "channel-centric" model to an "experience-centric" model, with mobile banking evolving into a strategic tool for deepening connections with users [1] - The launch of Everbright Bank's mobile banking version 13.0 signifies a shift from merely providing functions to creating comprehensive user experiences [1][5] Interface Revamp - The most noticeable change in Everbright Bank's mobile banking 13.0 is the systematic restructuring of its five main pages: "Home, Borrowing, Wealth, Activities, and My" [2] - This restructuring reflects a shift from a "bank-centric" to a "user-centric" service logic, transforming the homepage into a responsive tool for customer needs [2] - The "Borrowing" page consolidates previously scattered credit services into a dual-core model, addressing the financial pain points of various customer segments [2][3] Service Upgrade - Wealth management remains a focal point, with retail asset management expected to reach 3.15 trillion yuan and wealth management products at 1.89 trillion yuan by September 2025 [4] - The 13.0 version enhances the "Sunshine Wealth" brand and introduces a "Enjoyment Services" section, integrating financial services with healthcare and lifestyle offerings [4] - The app also aims to simplify complex financial needs for scenarios like studying abroad and foreign nationals in China, enhancing user engagement [4] Value Enhancement - The goal of the 13.0 iteration is to establish deeper customer relationships, moving beyond being a mere transactional tool to becoming a "digital partner" [7] - Features like "Popularity Rankings" and "Investment Plans" transform wealth management into a dynamic process that aligns with user investment philosophies [7] - The integration of intelligent and human services aims to create a personalized experience, fostering emotional connections in the digital age [7][8] Industry Trends - The evolution of Everbright Bank's mobile banking reflects broader industry trends, where banking services are shifting from function provision to value creation [8] - The focus on emotional resonance and value recognition in financial services is seen as crucial for success in the digital finance landscape [8]

Core Viewpoint - The strong performance of bank stocks in China is supported by improving fundamentals, with significant increases in stock prices and market capitalization, indicating investor confidence in the sector [1][3]. Group 1: Stock Performance - On November 20, Chinese bank stocks rose, with China Bank's stock price increasing by 4%, reaching a historical high and a total market capitalization of 1.84 trillion yuan [1]. - The banking sector index has seen a cumulative increase of 7.15% since the National Day holiday, with several banks, including Chongqing Bank and Agricultural Bank, experiencing over 20% growth during this period [1]. Group 2: Financial Performance - In the third quarter, 42 banks reported a total net profit attributable to shareholders of 1.68 trillion yuan, a year-on-year increase of 1.2%, with a 2.81% growth in the third quarter alone, reflecting steady improvement in profitability [3]. - High dividend yields are a key attraction for investors, with 34 out of 42 banks having a dividend yield exceeding 3%, and 13 banks exceeding 5%, while the median dividend yield stands at 4.28% [3]. Group 3: Shareholder Activity - Significant shareholder buybacks have provided strong support for bank stock performance, with over 10.7 billion yuan in buybacks this year, leading the industry [4]. - Major shareholders have expressed confidence in the future growth prospects and long-term investment value of banks, with buybacks serving as a means to expand business scale and supplement capital [4]. Group 4: Market Trends and Outlook - Historical data indicates a 70% probability of absolute returns for bank stocks in November and December, with an 80% probability in January, suggesting a favorable seasonal trend for bank investments [4]. - In the current low-interest-rate environment, high-dividend bank stocks are seen as a safe haven for investors, especially as speculative trading decreases [4]. Group 5: Challenges Facing the Industry - The banking sector faces challenges, including a net interest margin of only 1.42% and a non-performing loan ratio of 1.52%, indicating potential profitability pressures if trends do not reverse [5]. - The investment focus is shifting from growth in scale to risk management, asset quality, and stable profitability, necessitating banks to enhance service efficiency and embrace digital transformation to remain competitive [5].

Regulatory Voice - The People's Bank of China reported that by the end of October, the balance of RMB deposits reached 325.55 trillion yuan, a year-on-year increase of 8% [1] - The total balance of domestic and foreign currency deposits was 332.92 trillion yuan, growing by 8.3% year-on-year [1] - In the first ten months, RMB deposits increased by 23.32 trillion yuan, with household deposits rising by 11.39 trillion yuan [1] Industry Focus - The establishment of Xinjiang Rural Commercial Bank has been approved, marking a significant step in China's rural financial reform [2] - Xinjiang becomes the sixth province to have a provincial-level rural commercial bank, with expected assets exceeding 700 billion yuan upon opening [2] Corporate Dynamics - Xinyin Investment, a wholly-owned subsidiary of Industrial Bank, has been approved to commence operations with a registered capital of 10 billion yuan [7][8] - This marks the sixth licensed Asset Investment Company (AIC) approved in the industry, and the first initiated by a joint-stock bank [8] Financial Personnel - Changshu Bank announced a major management reshuffle, with the resignation of its president and vice president due to work changes [9] - The bank plans to appoint Lu Dingchang as the new president and chief compliance officer, alongside two new vice presidents [9] - Additionally, local state-owned shareholders have increased their stake in Changshu Bank, acquiring 561.93 million shares, raising their total holding to 3.98% [9] Industry Trends - Domestic private banking continues to thrive, with several banks reporting double-digit growth in private banking clients [3] - Ping An Bank has surpassed 100,000 private banking clients, joining the "100,000 Club" alongside six other banks [3] - A trend of integrating and shutting down independent credit card and direct banking apps is emerging among banks, reflecting a shift towards digital transformation [4] - Many small and medium-sized banks are actively removing long-term deposit products to optimize their liability structure and reduce costs [6]

Core Viewpoint - The banking industry is experiencing a wave of app shutdowns, particularly in the credit card and direct banking sectors, as banks streamline their digital offerings to enhance efficiency and reduce resource waste [2][3]. Group 1: App Shutdowns - Multiple banks have announced the closure of various apps this year, particularly in the credit card and direct banking sectors [2][3]. - Over 20 banks have ceased operations of certain apps since the beginning of 2023, with 25 apps, including those from Minsheng Direct Bank and Kunlun Direct Bank, voluntarily deregistering [2][3]. Group 2: Reasons for Shutdowns - The initial push for independent banking apps was aimed at attracting users and increasing activity, but many apps have high download rates with low daily active users, leading to inefficiencies [3]. - The transition to a "stock competition" phase in digital banking, coupled with the decline in consumer spending and the credit card industry's contraction, has prompted banks to consolidate their app offerings [3]. Group 3: Industry Trends - The trend of banks shutting down apps reflects a broader industry shift towards reducing data silos, privacy risks, and compliance costs associated with maintaining multiple applications [3]. - The economic restructuring and weakened consumer sentiment are contributing factors to the shrinking credit card market, influencing banks to close related apps [3].