消费信贷拉动内需 信用卡大有可为

Consumer credit stimulating domestic demand credit CARDS have a brilliant future

Everbright bank [micro bo] (3.58, 0.07, 1.92%) credit card center general manager

Consumption to stimulate economic growth role beyond question, has become a consensus, is our country the next phase of fundamental policy. But for credit card in the consumption credit growth, there are many different sounds. To this, I think, credit card will have bright prospects.

Have bright prospects

First, the current credit card consumption financial leverage is not fully. From 2012 the third quarter, the consumer loans accounted for the proportion of loans, credit card loan balance only 15% of the total loan balance is only 1.53%. At the same time, credit card overdraft balance divided by the proportion of residents' deposits is 2.5%, and the rate of more than 8% in the United States. In addition, China's credit card overdraft balance in most of the bank's total loan scale is about less than 5%, and the comprehensive foreign Banks are more than 10%, such as citigroup. Therefore, in China, credit card use leverage and a lot of space.

Second, the credit card consumption credit demand has not yet fully tapped. All the time, some people have a misunderstanding that Chinese people don't like to borrow money. But in the practical perspective, card holder, especially after 80, 90 and, after the young cardholder, very recognition "use tomorrow's money" concept of consumption. Everbright bank launched optional stage, bill installment and other products by young customer's favor, is a typical example. In addition, including everbright bank, found the families of hairpin lines, every day you ask for a transfer of the amount of the number of customer are very big, this means that the need to apply for a bank loan demand is very big.

Third, by credit card consumption credit easy to form multi-win-win situation. As for the issuer, such as income such as installment is included in the credit, the credit card net income carry higher than bank other products. As for the issuing bank, strengthen the development of the credit card is absolutely have the power and the necessity, For the customer in the, can use credit card consumption credit underlined, meet the consumption demand; As for merchants, credit card to expand sales, improve the business income; As for unionpay, also hope to be able to will credit card industry "cake", achieve a win-win situation.

Therefore, in general, credit card stimulating domestic demand is not only feasible, but also has a broad development space.

Captive scale and cost control

But from the current look, credit card to play a bigger role, there are two a bottleneck.

A bottleneck is scale control. Since the present scale control, make the Banks credit scale receives the very big restriction, and Banks in the formulation of strategy, the consumer credit support is different also, formed the Banks on credit card different size limit. According to the foregoing, credit card to meet customer demand and consumption credit growth has a broad space, but limited to scale control, hairpin go have to control credit card business scale, even through the stop develop new customers and limited promotion "slam the brakes on" means to control the size and the high speed development of the credit card industry, it is great harm.

The second bottleneck is cost control. The biggest cost of credit card business has two, one is the risk cost, the other is a operation cost. Risk cost, in fact and all the control level and ability, this is closely related to the issuer to upgrade themselves to control level and ability. For example, industry average loss rate is 2%, such as an issuer can achieve 1%, will be able to save a lot of cost. For the operation cost, should be combined with consumer credit do more work, rather than blindly into.

Transformation, innovation and try to policy support

Combined with the above analysis, to promote the development of the credit card industry, and consumption credit, hairpin go from three aspects:

One is to promote business transformation. At present, see, credit card charges cut is said or done, to go the way of strategic asset light is not suitable for China's credit card business development. This requires that the bank must transformation, walk the road of the consumer credit. At present, see, including state-owned Banks and many joint-stock commercial bank, has been in including installment loans, consumer credit has done a lot of work, it will gradually improve the credit card profit space, otherwise the ravel the solution don't open this knot.

The second is the innovation for development. The so-called innovation, the most important is to make the consumer can very conveniently get consumer credit. For instance, everbright bank credit card roll out "instantaneous credit", in twenty minutes to finish "real-time application, real-time examination and approval, real-time lending", let the loan as deposit the same simple, obtained the customer and market widespread approval. Therefore, safety, convenient, quick and benefit from these four aspects, is the focus of the innovation. If the customer out of service is safe, convenient, quick and affordable, believe that China's consumers are increasingly choose credit card products, become loyal customers.

Three is to strive for the policy support. Mainly includes three points: first, consumer credit not included in the control of the size of the loan, or similar small micro enterprise loans, separate management. If not be size limit, credit card loan scale will accelerate the development of, for domestic demand pull role will be more big, Second, strengthen market environment construction, let the market "invisible hand" to play a bigger role; Finally, set up to encourage innovation mechanism, advocating "reward success, encourage failure, punishment not as" due diligence exceptions innovation culture (28.040, 0.06, 0.21%), form good innovation atmosphere.