中国央行最新数据显示消费趋势的变化。12026年第二季度全国信用卡和借贷合一卡总量为6.77亿张，较第一季度减少1000万张。1这一下滑已成为持续趋势——信用卡总量已连续下滑15个季度，较2022年第三季度峰值8.07亿张累计减少1.3亿张。1
消费者的支付方式正在转变。1移动支付和网络信贷的普及，以及消费者对负债的谨慎态度，促使越来越多人选择其他支付方式替代传统信用卡。1面对这一趋势，中国政府推出了刺激措施，包括自去年9月启动个人消费贷财政贴息政策，今年1月将信用卡账单分期纳入贴息范围，8月再度扩大政策覆盖面。1根据规定，每名借款人在单家经办机构可享受的累计贴息上限为每年人民币5000元。1
China's central bank data reveals a continued contraction in the nation's credit card market, with combined credit and debit-credit hybrid card holdings reaching 6.77 billion at the end of the second quarter of 2026, down 10 million from the first quarter 1. This marks the 15th consecutive quarterly decline, with total holdings now 130 million cards below their peak of 8.07 billion in the third quarter of 2022 1.
The persistent downturn reflects shifting consumer behavior toward alternative payment methods and greater caution about debt accumulation 1. Despite government efforts to stimulate credit card usage, including a financial subsidy program for personal consumption loans initiated in September of the previous year and expanded in January 2026 to include credit card installment payments, consumer preferences continue to favor mobile payments and online lending platforms 1. Under the current subsidy policy, individual borrowers can receive up to 5,000 yuan in annual interest relief per financial institution 1.
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