中信銀明年發卡量將破千萬！房貸還有千億額度　這2類人優先放款

在房貸策略部分，高麗雪說，由於民營銀行本來就不能承做新青安貸款，因此，不適用這次《銀行法》第72條之2有關新青安放寬部分，對中信銀來說，放款政策持續維持不變，還是以「好人、好物」為原則，並以自住型為考量，還有以現有客戶優先核貸的方向。

她說，截至今（2025）年6月底止，依據《銀行法》第72之2規定，中信銀占比還不到28%，法律規定是30%，估計有將近千億元空間，因為民營銀行不能承做新青安貸款，因此，額度還是能支應目前客戶的需求。

由於中信銀行今（2025）年8月攜手統一集團合作發行uniopen聯名卡，高麗雪透露，首年發卡目標希望有100萬張，目前推出快1個月，發卡速度比原先預期好，中信銀8月整體發卡量已突破900萬張，有機會在明年成為突破千萬張發卡的銀行。



In terms of mortgage strategy, Gao Lixue said that since private banks are not allowed to handle the XinQingAn loan, the new relaxation in Article 72-2 of the Banking Act does not apply. Therefore, for Citibank, the loan policy remains unchanged, adhering to the principle of "good people, good things," considering self-use as a priority, and prioritizing existing customers for loan approval. As of the end of June this year (2025), according to Article 72-2 of the Banking Act, Citibank's share is still less than 28%, with the legal limit being 30%. It is estimated that there is nearly 100 billion RMB in room, as private banks cannot handle XinQingAn loans, so the quota can still meet the current customers' needs. Since Citibank collaborated with Uni-President Group to issue the uniopen co-branded card this August (2025), Gao Lixue revealed that they aim to issue 1 million cards in the first year. So far, after nearly a month of launching, the speed of card issuance has exceeded expectations, with the overall issuance reaching over 9 million cards in August, making it likely for the bank to issue over 10 million cards next year.（此翻譯來源：ChatGPT）



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