Core Viewpoint - The recent leadership changes at the Bank of Communications' credit card center reflect the bank's commitment to transforming its credit card business from a scale-driven approach to a quality-focused strategy amid increasing competition in the industry [5][6]. Group 1: Leadership Changes - The Bank of Communications' credit card center has undergone significant leadership changes, with He Bo, the deputy governor of the Zhejiang branch, set to take over as the general manager of the credit card center, pending regulatory approval [3][4]. - This marks the second core executive change within a short period, following the recent transfer of the previous general manager, Han Dong, to the Ningbo branch [4][5]. - He Bo brings a wealth of experience from both the head office and branch operations, which is expected to provide a broader strategic perspective for the credit card business [3][5]. Group 2: Business Transformation - The bank has initiated a strategic transformation of its credit card business, emphasizing a shift towards localized management and operations, which involves closing redundant credit card centers [6][7]. - As of 2025, over 50 credit card centers have been closed, indicating a significant restructuring effort to enhance operational efficiency and focus on local market needs [6][7]. - The bank aims to integrate credit card operations into a comprehensive retail banking framework, providing customers with a one-stop financial service experience [7][8]. Group 3: Market Trends and Challenges - The credit card industry is experiencing a shift from aggressive expansion to a focus on deepening existing customer relationships, driven by increased market saturation and changing consumer behavior [9][10]. - The bank's credit card issuance has seen a decline, with the number of cards in circulation dropping from 7,450.83 million in 2022 to 6,009.85 million in 2025, alongside an increase in the non-performing loan rate [8][9]. - Experts suggest that the bank's strategic adjustments are a rational response to industry trends, aiming to improve customer quality and operational efficiency [9][10]. Group 4: Future Directions - The credit card center plans to focus on three key areas: enhancing consumer spending through targeted promotions, leveraging local branch networks for community engagement, and integrating financial technology to improve service delivery [10][11]. - Recommendations for the bank include developing differentiated products, enhancing digital and physical service integration, and maintaining strict risk management practices to ensure sustainable growth [10][11].

2026年以来，又有多家银行信用卡分中心关停。不同于以往国有大行主导的收缩态势，城商行等中小银 行也纷纷加入"瘦身"阵营，成为本轮调整的新亮点。 作为开年以来首家启动信用卡分中心关停的城商行，广州银行的动作尤为迅猛。开年不足一个月，该行 已接连获批关停7家信用卡分中心，涵盖珠三角核心城市——1月21日，珠海金融监管分局发布批复，同 意广州银行股份有限公司信用卡中心珠海分中心终止营业；在此之前，江门、中山、惠州、佛山、深 圳、东莞6家分中心已先后完成停业批复流程。 国有大行的关停步伐也未曾停歇，延续了此前的转型节奏。1月4日，四川金融监管局发布批复，明确同 意交通银行（601328）太平洋信用卡中心成都分中心终止营业，并要求该分中心在停业后及时拆除原址 标识标牌，不得再开展任何金融业务。 记者注意到，交通银行信用卡分中心的持续收缩，实则是其业务模式战略转型的具体落地。早在2024年 度业绩发布会上，该行管理层就明确表态，为了更好地适应信用卡业务发展到新阶段的要求，该行将信 用卡的业务模式由过去集中直接经营改为分行属地经营，将信用卡业务纳入属地零售业务中进行统一经 营。这一转型方向在2025年半年报中进一步明确， ...

Core Viewpoint - The credit card business of banks has been undergoing significant downsizing this year, with over 30 banks closing credit card centers [1] Group 1: Industry Trends - More than 30 banks have exited the credit card business this year [1] - The Bank of Communications has closed nearly 30 credit card centers in 2023 [1] - In April 2023 alone, 10 credit card centers of the Bank of Communications Pacific Credit Card Center ceased operations [1] Group 2: Strategic Focus - Accelerating the transformation of credit card local operations has become a key reform task for many banks in their credit card business this year [1]