每经记者｜潘婷 每经编辑｜董兴生 银行调整信用卡业务背后的深层次原因是什么？ 2026年2月，广发银行正式启动新一轮信用卡业务调整：2月1日起，停止发行广发航班管家联名卡、广 发高铁管家联名卡等5张联名信用卡；2月11日，将进一步下线广发乐享信用卡、广发乐享生活信用卡等 多款产品。 对此，日前，素喜智研高级研究员苏筱芮在接受《每日经济新闻》记者采访时表示："目前观察到，银 行在信用卡业务方面，正推动从狠抓'发卡获客'到'精耕存量'的经营策略转变，从关注数量到更看重质 量。" 《每日经济新闻》记者注意到，近年来，联名信用卡出现"批量消失"的现象，多家银行已陆续宣布停发 部分联名或主题信用卡产品。曾经，联名信用卡一直备受市场追捧，银行借助联名卡迅速扩充"版图"， 如今，"王者"失宠了吗？ 《每日经济新闻》记者注意到，广发银行此次停发一些信用卡并不是孤例。2025年至今，从国有大行到 中小银行，多家银行先后宣布停发部分联名信用卡。 例如，浦发银行"因业务策略调整"，从2025年12月18日起停止发行浦发魔J信用卡（银联版）、浦发英 雄联盟信用卡（亚索）等18款信用卡产品。 事实上，中小银行也有同样的动作。例如，20 ...

每经记者｜潘婷 每经编辑｜何小桃 董兴生 2026年2月，广发银行正式启动新一轮信用卡业务调整。2月1日起，停止发行广发航班管家联名卡、广发高铁管家联名卡等5张联名信用卡；2月11日，将 进一步下线广发乐享信用卡、广发乐享生活信用卡等多款产品。 《每日经济新闻》记者注意到，近年来，联名信用卡出现"批量消失"的现象，多家银行已陆续宣布停发部分联名或主题信用卡产品。曾经，联名信用卡一 直倍受市场追捧，银行借助联名卡迅速扩充"版图"，如今，"王者"失宠了吗？ 信用卡业务迎来调整背后的深层次原因是什么？素喜智研高级研究员苏筱芮在接受记者采访时表示："目前观察到信用卡正推动从狠抓'发卡获客'到'精耕 存量'的经营策略转变，从关注数量到更看重质量。" "近年来，信用卡步入精耕细作的盘整期，银行密集停发信用卡产品，表明信用卡行业处于激烈的市场竞争中。"苏筱芮指出，信用卡机构需要不断发力产 品创新及运营手段，及时调整产品、业务策略，在拉新与客户留存层面持续精进。 从关注数量到更看重质量 信用卡步入精耕细作的盘整期 据悉，广发银行此次信用卡业务调整分两个阶段实施。根据2025年12月14日发布的公告，自2026年2月1日起，由 ...

Core Insights - The People's Bank of China reported that by the end of Q2 2025, the total number of bank accounts in the country reached 15.238 billion, with 10.068 billion bank cards issued, reflecting a quarter-on-quarter growth of 0.68% [3][4] - Credit card and loan cards totaled 715 million, showing a quarter-on-quarter decline of 0.83% and a year-end decrease of 12 million [4][6] - The transaction volume of bank cards increased in terms of the number of transactions but decreased in transaction amounts, with 146.662 billion transactions amounting to 226.7 trillion yuan, a quarter-on-quarter decrease of 12.06% [4][5] Banking Sector Trends - The number of bank accounts opened includes 1.16 billion corporate accounts and 15.122 billion personal accounts, indicating a strong consumer banking presence [4] - The decline in credit card issuance has led to several banks shutting down credit card centers, shifting focus towards localized comprehensive financial services [8][9] - The credit card business is transitioning from aggressive customer acquisition to focusing on existing customer value, emphasizing quality over quantity [10][14] Credit Card Market Dynamics - The total number of credit cards has been on a downward trend, with a peak of 800 million in 2021, now down to 727 million in 2024, a decrease of 40 million year-on-year [6][10] - The overdue credit card loans reached 1239.64 billion yuan by the end of 2024, marking a year-on-year increase of 26.31% [7][14] - Banks are increasingly promoting credit card installment plans as a strategy to attract customers and respond to national policies aimed at stimulating consumption [12][14] Payment Processing Insights - In Q2 2025, banks processed 800.53 billion electronic payment transactions amounting to 85.816 trillion yuan, with online payments accounting for 182.17 billion transactions [5] - Non-bank payment institutions also saw a rise in transaction numbers, processing 3338.45 billion transactions worth 8.211 trillion yuan in Q2 2025 [5] Strategic Shifts in Banking Operations - Banks are consolidating credit card operations to reduce costs and enhance efficiency, focusing on digital marketing and customer acquisition [8][9] - The shift towards localized operations allows banks to better understand customer needs and provide tailored financial services [9][10] - Future developments in the credit card sector are expected to integrate digital solutions and wealth management, creating a comprehensive financial service ecosystem [9][10]