厉明东来了！招行信用卡能否续写增长神话？

读商时代01-20

厉明东在招行体系内沉淀多年，他的职业轨迹几乎覆盖零售金融管理的所有关键环节。2026年初，招商银行信用卡中心迎来一位新掌舵者——总行财富平台部总经理厉明东。他并非外来者，而是扎根招行多年的资深“老将”，曾统筹财富平台、零售客群、风险管理等关键业务。面对信用卡业务复杂局势，厉明东的到来不仅意味着领导层的更新，更象征着招行对稳健与创新并重的战略选择。全局视野与跨部门经验的积淀厉明东在招行体系内沉淀多年...

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Can China Merchants Bank's credit card continue to write the growth myth?","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03968":1.5,"03143":0.6},"content_text":"厉明东在招行体系内沉淀多年，他的职业轨迹几乎覆盖零售金融管理的所有关键环节。2026年初，招商银行信用卡中心迎来一位新掌舵者——总行财富平台部总经理厉明东。他并非外来者，而是扎根招行多年的资深“老将”，曾统筹财富平台、零售客群、风险管理等关键业务。面对信用卡业务复杂局势，厉明东的到来不仅意味着领导层的更新，更象征着招行对稳健与创新并重的战略选择。全局视野与跨部门经验的积淀厉明东在招行体系内沉淀多年，他的职业轨迹几乎覆盖零售金融管理的所有关键环节。从南京分行行长助理、深圳分行副行长，到总行财富管理部、风险管理部、财富平台部总经理，再到首任零售客群部总经理，厉明东的履历显示出他在一线经营、总部战略以及跨部门协调上的全链条能力。更重要的是，他同时参与招银理财、招联消费金融、招银金租以及招商信诺资管等多家子公司治理，深度参与集团内部协同，使他对招行零售业务与财富管理生态的结构有着天然的理解和把控能力。这份跨部门、跨业务线的经验，正是信用卡业务在行业下半场稳健扩张所需的底色。从战略视角来看，厉明东的职业素养与招行零售业务转型的节奏高度契合。2021年，他主导组建招行财富平台部，将原零售金融总部与财富管理部整合，形成覆盖产品、渠道和客户管理的统一平台。2024年，他兼任零售客群部总经理，将原财富平台部部分团队与网络经营服务中心整合，完成零售客群部的二次剥离，实现基础客群精耕与高净值客户资产管理的闭环。在这一系列改革中，厉明东不仅展现了对客户运营的敏锐洞察，也体现了其在组织设计上的系统思维——如何通过架构调整实现资源的最优配置，同时兼顾风险控制和业绩增长。稳健策略与精细化运营的实践事实上，招行信用卡业务本身也正处在转型关键期。前任信用卡中心总经理刘加隆曾在专访中指出，信用卡行业已从增量市场进入存量市场，市场竞争加剧，行业增速放缓成为常态。在这种背景下，稳健、精细的管理能力比盲目扩张更为重要。厉明东的管理理念与此高度契合，他在零售客群部及财富平台部一贯坚持精细化、分层化的运营逻辑，同时兼顾风险可控和长期价值提升。他对客户的精准管理和资产规模的稳健增长，为信用卡业务提供了可复制的经验模式。在实际运营中，厉明东对客户资产和AUM管理的理解尤为深刻。在零售客群部任职期间，他强调基础客群的最大化覆盖，同时通过财富管理产品对优质客户实现资产增值。截至2025年9月末，招行零售客户达到2.2亿户，较上年末增长4.76%。这一成绩背后，是厉明东对产品、渠道及客户分层的精细管理，也体现了他在效率与客户体验之间保持平衡的能力。对于信用卡业务而言，这种以客户资产和价值为核心的管理方法，正是实现下半场稳健增长的关键。数字化创新与集团协同优势厉明东在数字化产品和渠道建设上的经验，同样为信用卡业务注入新的可能。他曾主导财富平台及远程经营服务中心建设，使产品投研、资产管理、客户服务和营销渠道形成协同闭环。如果将这一经验应用到信用卡业务，有望推动信用卡数字化转型，实现线上线下融合运营，提升客户体验和业务效率。风险管理同样是厉明东的优势所在。他曾主管总行风险管理部，对信用风险、操作风险及市场风险有深刻理解。在信用卡进入存量市场、行业竞争激烈的阶段，这种风险控制能力尤为重要。在信用卡行业从增量市场走向存量市场的“下半场”，招行不仅要守住市场份额，更要通过精细化运营和价值管理，实现业务长期可持续发展。厉明东的到来，正是这一战略思路落地的关键一步。","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":"","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 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2605417671","isCrawlerRequest":true}