可能还是黑卡，轻便太重要了。 https://t.co/V3BBLY1n5P ...

Core Insights - The core viewpoint of the news is that UnionPay is adjusting its card benefits strategy to enhance the value of its Diamond Card, amidst a declining trend in credit card issuance in China [2][4][12] Industry Overview - The credit card industry is transitioning from a phase of rapid expansion to a new stage focused on quality over quantity [3][12] - The number of credit cards and loan cards in China has decreased to 721 million by the end of Q1 2025, marking the ninth consecutive quarter of decline [2] Strategic Adjustments - UnionPay's adjustment in benefits is aimed at reallocating resources towards high-net-worth clients, ensuring that Diamond Cardholders receive more exclusive and high-quality benefits [5][8] - This shift reflects a broader trend among banks to adapt to the changing landscape of the credit card industry, where traditional strategies are being challenged [4][6] Market Dynamics - The credit card sector has seen a significant increase in customer acquisition costs, rising from 50 yuan in 2015 to 200 yuan in 2023, a 300% increase [6] - The proportion of "sleeping cards" has reached 30%-40%, leading to increased management costs and pressure on asset quality [6] Regulatory Environment - Regulatory changes have directed banks to focus less on card issuance volume and more on compliance and risk management, with a cap on sleeping cards set at 20% [7] Competitive Landscape - Major banks, including Guangfa Bank, are adopting strategies that prioritize quality over quantity, focusing on high-net-worth clients and integrating credit cards with wealth management services [8][9] - The competition for high-end credit cards is shifting from mere consumer discounts to offering unique services and lifestyle solutions [8][10] Future Outlook - The credit card industry is expected to undergo a significant transformation, emphasizing customer quality and risk management, which will reshape the industry's ecosystem for sustainable growth [12][13]

东京烘焙职业人原创《中国烘焙匠人店》系列已开启。来 # 听创始人说，说他们精彩的创业故事。 我们希望能够从创始人、主理人的经历中，去记录、去观察、去思考开店这件不容易的事情，我们相信，这是一种值得探索的事。 【独家采访 · 第 159 家】 【labaker楽焙面包】 是一家位于深圳的主打欧包的特色烘焙店，目前分店已经开到了上海。最初我们关注到【labaker】是他们每个面包都会搭配 一张的面包配方卡，上边标注了产品的特色、面团信息以及清晰的配料表含量。 这种设计瞬间打动了我们，不仅非常吸引眼球，并且能快速产生信任。 所以在最近我们终于有机会采访到了【labaker】的主理人Hebe，听听她对于面包制作和面包店经营的理念！ 初次见到主理人，她给我们的感觉与【labaker】这个品牌所表达出的印象简直如出一辙——严谨、逻辑清晰、干脆利落，又带着一点理科生独有的 浪漫。 Hebe是从金融行业跨界到烘焙。 故事要从疫情前的中国香港说起。那时她尚在香港从事金融相关工作，快节奏的生活让她常常在工作期间无暇坐下来好好吃上一顿饭，一日三餐的 两餐有时候都要靠面包解决 ——面包，对她以及大部分香港忙碌的人群来说，不是零食，不 ...