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with the rapid development of financial technology, new opportunities continue to emerge in the digital economy and financial services industry. in this era, the credit card business is also undergoing profound changes, transforming from the traditional stock era to the intensive cultivation era. the market competition for the credit card business is fierce, and banks are actively seeking breakthroughs and exploring new development directions to provide users with a better service experience.

in recent years, the bank credit card business has shown a sluggish trend. on the one hand, changes in market demand have led to a continuous decline in transaction volume; on the other hand, the non-performing loan rate has also risen, bringing new challenges to the credit card business. especially in the first half of this year, the credit card business of many listed banks continued to perform poorly.

judging from indicators such as transaction volume and loan balance, the credit card business has shown a clear downward trend:

• the transaction scale has shrunk significantly: the decline in the scale of joint-stock banks was the most obvious, with many banks experiencing a year-on-year decline of more than double digits. the balance of credit card loans of industrial bank once exceeded the 400 billion yuan mark at the end of 2020, and then continued to rise, but began to decline last year. by the end of the second quarter of 2024, the balance of credit card loans fell below 400 billion yuan, shrinking to 368.574 billion yuan, a year-on-year decrease of 11% from the end of june 2023.
• non-performing loan ratio continues to rise: the operating risks of bank credit card business have also become a major concern. ping an bank also experienced a similar situation. the bank's credit card loan balance exceeded 600 billion yuan at the end of 2021, and then shrank all the way. by the end of june this year, the scale had shrunk to below 500 billion yuan, with 470.99 billion yuan remaining, a decrease of 14.9% from the same period last year. pudong development bank also saw a shrinking credit card loan balance. in the first half of this year, the bank's credit card loan balance was 360.246 billion yuan, a decrease of about 48.4 billion yuan from the same period last year, a year-on-year decrease of 11.85%.

industry analysis:this reflects the challenges that credit card business faces under the traditional financial service system. banks are seeking new breakthroughs and exploring more effective business models and service methods.

from the perspective of "part-time development taking on jobs", this can be seen as a new development direction:

• explore new areas and improve your skills: taking on part-time development work can provide programmers or developers with flexible career options, allowing them to accumulate experience and earn higher incomes.
• market demand changes, adapt to the new environment: with the rapid development of the digital economy and changes in market demand, part-time development work has also shown great potential, providing more opportunities for developers.
• integration of online platforms and software tools: the continuous development of online platforms and software tools provides developers with a more convenient way to take on work, making the process of "part-time development work" more efficient.

future outlook:the bank credit card business is in a period of transformation, and needs to shift from the traditional stock era to the intensive cultivation era. with the continuous advancement of technology and changes in market demand, "part-time development taking on jobs" will become a new development model, bringing more opportunities and chances to developers.