发卡规模是衡量信用卡业务发展情况的重要指标。从已披露的数据看，2021年，银行业信用卡发卡 量稳步提升，但增速普遍放缓。 国有六大行方面，邮储银行以12.93%的增速位居第一位，工商银行、中国银行、建设银行、交通 银行，增速分别为1.88%、2.53%、2.08%、2.22%。农业银行仅公布了2021年中期信用卡发卡量数据。 股份制银行方面，中信银行、平安银行、光大银行、兴业银行信用卡发卡量增速分别为9.4%、 9.2%、8.5%、5.1%，招商银行增长2.9%。 从信用卡消费额看，招商银行消费额超过4万亿元，居于首位。邮储银行、中信银行、兴业银行均 实现两位数增长，招行增长9.73%，平安银行增长9.8%，工行、中行、建行消费额增幅较上年有所下 降。 信用卡资深研究人士董峥表示，从国有银行、股份制银行信用卡业务情况来看，多少有些"倒春 寒"气息。一方面由于这部分银行市场覆盖率较高，获客难度加剧，规模增速放缓属必然；另一方面受 市场环境影响，以及监管出台相应政策对过度发卡导致的"多头授信"现象的限制。 去年底，银保监会发布《关于进一步促进信用卡业务规范健康发展的通知（征求意见稿）》，强调 不得再以发卡数量、客 ...

Core Viewpoint - The banking industry is experiencing a significant shift as multiple banks, including state-owned ones, are discontinuing various credit card products due to market conditions, regulatory requirements, and internal business needs, indicating a transition from expansion to competition in existing markets [1][5]. Group 1: Credit Card Product Discontinuation - China Bank announced the discontinuation of 24 credit card products effective August 31, which includes various types such as co-branded and themed cards [2][4]. - Other banks like Citic Bank, Minsheng Bank, and Shanghai Pudong Development Bank have also issued similar announcements regarding the cessation of certain credit card products [2][5]. - The reasons for discontinuation include business development needs, upcoming product retirements, and expiring card authorization contracts [3][6]. Group 2: Declining Credit Card Issuance - The issuance of credit cards has been declining for ten consecutive quarters, with the total number of credit cards and credit card loans dropping to 721 million by the end of the first quarter of this year, reflecting a 5.14% year-on-year decrease [5][6]. - The trend of reducing credit card offerings is attributed to pressures from market conditions, regulatory requirements, and banks' operational needs [5][6]. Group 3: Future Directions for Credit Card Business - The credit card market is facing saturation and a shift in payment tools, prompting banks to optimize their structures and reduce costs, indicating that the trend of reducing credit card benefits or discontinuing products will likely continue [7]. - Future development in the credit card sector is expected to focus on full-scenario integration, deepening user engagement, and leveraging technology for digital operations and management [7].

Core Viewpoint - The recent approval by the Liaoning Financial Regulatory Bureau for the termination of operations of several credit card centers indicates a shift in the banking sector's approach to credit card business management, moving from centralized operations to localized management to enhance efficiency and reduce costs [1][2]. Group 1: Industry Trends - Nearly 40 credit card centers from various banks, including Bank of Communications, Minsheng Bank, and Guangfa Bank, have received regulatory approval to cease operations this year, reflecting a broader trend in the industry [1]. - The credit card market in China is nearing saturation after over 20 years of rapid growth, with the total number of credit cards and combined credit cards dropping from a peak of 807 million in June 2022 to 721 million by the first quarter of this year, a decrease of approximately 86 million cards in less than three years [2]. Group 2: Strategic Adjustments - Banks are encouraged to deepen their focus on the existing market by innovating products tailored to different customer segments, shifting the competitive focus from "new card issuance" to "active card usage" [3]. - Increased investment in technology is essential, as online customer acquisition costs are lower and more valuable; banks should leverage digital transformation opportunities and enhance risk management through AI and big data [3]. - The transition to localized management of credit card operations should not merely consolidate operations but also create synergies with retail banking services, enhancing customer engagement and providing comprehensive service offerings [3].