招行信用卡换帅：刘加隆转任顾问，财富平台部总经理厉明东已到任

21世纪经济报道01-19

21世纪经济报道记者李览青　　近日，21世纪经济报道记者从业内了解到，招商银行信用卡中心“换帅”。　　原招行信用卡中心总经理刘加隆因到龄退休，转任信用卡中心顾问。即将接替招行信用卡总经理一职的是招行总行财富平台部总经理厉明东，已于一周前到岗，目前其任职资格尚待监管核准。　　在招行“零售之王”的业务版图中，信用卡业务无疑是最亮眼的大陆之一。刘加隆从1996年加入招商银行后，曾先后3次担任信用卡...

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arrived","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03143":0.6,"03968":1.5},"content_text":"21世纪经济报道记者李览青\n　　近日，21世纪经济报道记者从业内了解到，招商银行信用卡中心“换帅”。\n　　原招行信用卡中心总经理刘加隆因到龄退休，转任信用卡中心顾问。即将接替招行信用卡总经理一职的是招行总行财富平台部总经理厉明东，已于一周前到岗，目前其任职资格尚待监管核准。\n　　在招行“零售之王”的业务版图中，信用卡业务无疑是最亮眼的大陆之一。刘加隆从1996年加入招商银行后，曾先后3次担任信用卡中心总经理一职，是信用卡行业的“元老级”人物，深刻地见证了中国信用卡行业“跑马圈地”的黄金年代，也亲历了行业红利消退后的“寒冬”。\n　　2009年到2015年期间，刘加隆首次出任招行信用卡中心总经理，在他的领导下招行信用卡开发了行业首个移动App“掌上生活”，加速了信用卡行业的数字化转型。2018年到2020年，刘加隆再次掌舵招行信用卡。2024年，在招行信用卡中心原总经理王波赴任招行杭州分行行长后，作为信用卡中心理事长的刘加隆第三次出任总经理一职直到2026年年初，此前他还曾担任过招行总行业务总监、零售金融总部总裁等职务。\n　　在2024年《当代金融家》杂志对刘加隆的一篇专访中，刘加隆提到“敬畏周期，预判弯道”。他提到，在竞争的关键节点，招行信用卡不但没有着急“踩油门”，反而是减速，原因是刘加隆和团队在2018年8月“看到了一些反常的数据”。\n　　刘加隆说：“当时，我们预判到前方会有拐点，所以提前减速。在细、小、慢、累的信用卡行业，最核心的关键在于时刻提防冲出赛道。”\n　　正是出于对行业拐点的准确预判，在2019年，招行信用卡就率先提出：告别长达10多年的规模扩张期，中国信用卡正在从增量市场进入存量市场，增长规律发生了根本性变化。行业需要做好准备，告别黄金时代，迎接“下半场”的到来，并在当年调整了业务计划，将发卡计划、贷款增长计划缩减了三分之一。\n　　2025年末，在接受《哈佛商业评论》专访时，刘加隆的一段话也很值得品味。\n　　“很多人觉得信用卡行业现在面对的状态比过去难很多，但会不会过去的状态其实是特殊的状态，现在的状态才会是将来的常态？”刘加隆提到，“这是一个新的时代。在这个过程中，我们会继续做好三个坚持和三个突破。”也就是坚持信用卡的商业模式要架构在风险安全的基础上，坚持抓支付、小额信贷两个基本点，坚持强化“分行+直销”两条腿走路的模式优势。突破重点地区获客份额，同在地零售业务协同发展；突破实动经营，回答好客户为什么要用招行信用卡；突破重点场景、重点产品、重点资产类别。\n　　如今，即将接替招行信用卡“一把手”的厉明东也在零售金融与财富管理领域深耕多年。\n　　公开信息显示，厉明东曾任招商银行南京分行行长助理，深圳分行行长助理、副行长；总行财富管理部总经理，总行风险管理部总经理，总行财富平台部总经理兼零售客群部总经理。在招行体系的其他金融机构中，厉明东曾任招联消费金融董事、招银金租董事，现任招商信诺资产董事、招银理财董事。\n\n\n海量资讯、精准解读，尽在新浪财经APP","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"executive","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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