中信银行信用卡困于“规模降、风险升”,李志涛三年大考及格吗?

Ofweek维科网
Oct 23

曾经被视为零售转型“利器”的信用卡业务,如今却成为中信银行最难啃的“骨头”。今年上半年,中信银行信用卡业务的贷款余额退回六年前水平,不良率高居同业前列,客户投诉持续高企。在信用卡行业从增量扩张转向存量博弈的浪潮中,李志涛带领下的中信银行信用卡中心并未展现出应有的战略定力与创新突破,反而陷入规模收缩与风险积压的恶性循环。昔日“王者”,何以至此?李志涛掌舵三年未扭转2025年上半年,中信银行交出了一份...

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