本港第二季信用卡新卡發卡量跌23.5% 創疫情以來最大跌幅 (13:20) – 20251204 – 即時財經新聞

環聯指出,由於Z世代消費者中的18歲以上人口持續增加,多年來此年齡層的新卡增長一直顯著,但於2025年第二季期間,源自Z世代的新卡發卡量按年下跌11.1%;千禧世代及X世代亦分別下跌25.8%和 26.1%。

縱觀各風險級別,僅次級風險級別消費者的新卡發卡量錄得0.5%輕微增長,由於相關基數較低,僅佔新卡總發卡量的1.1%。相關增長主要由財務公司帶動,其新卡發卡量按年大幅上升 39.4%。

此外,本港在2025年第三季的失業率達3.9%,為2022年8月以來的新高,這或是導致信用卡市場放緩的原因之一。相關影響對應屆畢業生尤為顯著,當中20至29歲年輕消費者的失業率由2025年1月的5.4%攀升至8%,創本年新高。

隨着整體經濟環境預期向好,加上2025年第三季度的信用卡新卡查詢宗數(即信貸需求)按年上升7.0%,或有助推動本年最後一季的新信貸活動增長。相關趨勢與2025年第三季消費者脈搏調查的數據脗合,48%受訪消費者表示計劃於來年申請新信貸或為現有信貸進行再融資,按年上升10%。

環聯亞太區研究與諮詢首席顧問孫威瀚表示,由於消費者對信貸產品需求放緩,加上金融機構亦因應部份具挑戰性的經濟指標而作出策略性調整,導致信用卡新卡發卡量大幅減少。然而,隨著香港在未來數月預期迎來持續溫和的經濟增長及傳統消費旺季,可把握相關機遇的金融機構仍見增長空間。消費者信心逐步回升及營商氣氛改善,預料將進一步推動信用卡的需求反彈,為有意重拾增長的金融機構提供動能。

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