目录第一章区域性银行信用卡业务发展背景.......................................................2（一）宏观背景...........................................................................................21.居民消费能力与水平提升......................................................................................22.新冠疫情后消费逐渐复苏......................................................................................3（二）行业背景...........................................................................................31.消费金融业务步入成熟期......................................................................................32.信用卡占消费金融半壁江...