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信用卡的危机魔咒

2020-07-24
388658
分享到

WEIDU“YANGMAODANG”,YINXINGSHIRENZHENDE,DANYINGBIMIAN“YIDAOQIE”DEZUOFA。

1

ZUOZHE:MAXIAOLONGAmos,TUPIANLAIZI“123RF”

YINXINGDELIAN,SHUOBIANJIUBIAN。

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增量放缓,不良率上升

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“HEJI7.46YIZHANG”、“RENJUN0.53ZHANG”,DANKANZHEILIANGGESHUJU,QISHIMEIYOUDUOSHAOGAINIAN,JIANGSHIJIANZHOUYANZHANGZHI2011NIAN,HUIGUJIN10NIANZHONGGUOXINYONGKADEFAZHANQINGKUANG,DUANNIKEJIAN。

KEYIFAXIAN:2011-2014NIANKEYICHENGWEIXINYONGKADE“FENGKUANGKUOZHANGQI”,XINYONGKAFAKALIANGPINGJUNHUANBIZENGFU4.31%;2015-2017SHIXINYONGKADE“CHACHEJIANGSUQI”,XINYONGKAFAKALIANGPINGJUNHUANBIZENGFUXIAJIANGWEI2.27%;2018-2020Q1XINYONGKAJINRU“PINGWENYUNXINGQI”,XINYONGKAFAKASHULIANGPINGJUNHUANBIZENGFUXIAOFUHUISHENGZHI2.74%,ZHENGTIZENGFUCHENGFANGHUANQUSHI。

2

      QIZHONG,2020Q1,XINYONGKAFAKALIANGHUANBIZENGFUWEI0.32%,ZHEISHIZI2017Q1YILAIDEZUIDIZHI,RENJUNCHIKALIANGYELIANXU3GEJIDUWEICHIZAI0.53ZHANGDESHUIPINGZHIBUBUQIAN。  

3

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JIONGJINGDECHUXIAN,YOUQIBIRANZHICHU。

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CHULEYIQINGDEYINGXIANG,HAIYOUYIGEYIZHIYILAICUNZAIDEWENTIBURONGHUSHI。SUNINGJINRONGYANJIUYUANGAOJIYANJIUYUANCHENJIANINGBIAOSHI,“TONGGUOPOSJIJIANGXINYONGKAJINXINGTAOXIAN,ZHENGGEDEZIJINCHENGBENSHIHENDIDE,ZAIZHEIZHONGQINGKUANGXIA,XINYONGKATAOXIANZHUJIANYANCHENGYIGE‘HEICHAN’。ZUOWEIXINYONGKADEGUANLIBUMEN,YINXINGXINYONGKAZHONGXINQISHIDOUSHIMENERQINGDE,DANSHICHUQIWEILEFAZHAN,DUIYU‘HEICHAN’DOUSHICAIQUYIZHONGMOXUDETAIDU”。

“XIANFAZHAN,HOUZHILI”,XINYONGKADEGUIMOSHIFAZHANQILAILE,CHENZHE2020Q1XINYONGKASHUJUSUOJIZHONGFANYINGCHULAIDEWENTI,DAOLE“BOLUANFANZHENG”DESHIHOULE。

银行“变脸”,监管提示

CHENJIANINGRENWEI,XIANJIEDUAN,SUOYOUYINXINGZAIXINYONGKAFANGMIANYIJINGYOUZUGOUDADELIANG,DUIYUZHEIZHONGHUISEDEQUDAO、LIULIANG,XUQIULIANGMEIYOUNEIMEDA,BIANHUIXIANGBANFAJINXINGZHENGZHI,CONGERSHOUJINFENGXIAN。LINGWAI,YINXINGKENENGHAIHUICHENGDANLAIZIJIANGUANDESHIYA。

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4

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JIANGUANDAITOUGUIFANXINYONGKASHICHANG,YINXINGMENZIRANBUGANDAIMAN,GUANGFA、PINGAN、ZHONGXIN、XINGYE、PUFA、ZHAOXING、JIAOTONGFENFENKAISHIJIAJINFENGKONGSHENGJI。

SHOUXIANSHIXIANZHIXIAOFEI。

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TONGGUOHEIMAOTOUSUPINGTAI,YOUYONGHUFANKUI,“BENRENSHIGUANGFAXINYONGKADUONIANDELAOYONGHU,BANLICAIZHIJINDOUZHENGCHANGHAIKUAN,ZUIJINYINIANDUOXINYONGKAWUFAFENQIFUKUAN,YOUSHANGHUXIAOFEIXIANZHI,WANGGUANGFAYINXINGNENGJIECHUXIANZHI。”“LAOYONGHU”、“ZHENGCHANGHAIKUAN”DANRENGJIUBEIXIANZHIXIAOFEI,SHENZHIXINYONGKAWUFAJINXINGFENQIHAIKUAN。

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HAIYOUJIUSHIXINYONGKADEJIFENQUANYIDAFU“SUOSHUI”。

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XINYONGKA“HEICHAN”JIKEYITAOQUXIANJIN,YEKEYITAOQUJIFEN,YONGYUHUANGOUSHANGPIN,JIFENZAIQIZHONGBANYANLEBUFEN“HUOBI”DEJIAOSE。

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XIANGBIYINBAOJIANHUIDUIYUYINXINGDECHUFA,YINXINGDUIYUCHIKARENDEXIANZHI,RUGUOCHIKAXIAOFEIZHENENGGOUTONGGUOZILV,JIANGDIXINYONGKAYUQIFENGXIAN,QISHISHIZUIHAODEFANGSHI;DANMUQIANLAIKAN,BUSHAOCHIKARENYIJINGXINGCHENGLEBULIANGDEYONGKAXIGUAN,TONGGUOWAIJIESHIYAHUOXUGENGHAO。

信用卡合规的重点

ZHENDUIXINYONGKASHICHANGSHANGCUNZAIDETAOXIANXINGWEI,TONGGUOXIANZHIXIAOFEIYUJIANGDIQUANYIJIFEN,SHIFOUKEYIQIDAOHENHAODEZUOYONG?ZHISHAOGONGZHONGCONGBIAOMIANLAIKANSHI“ZHIDABINGTONG”,CHUWENTIDESHICHIKAREN,DUIQICAIQUXIANZHICUOSHI,SIHUMEIYOUSHENMEBUTUO,DANSHIPINGANYINXINGHANGZHOUFENXINGZONGJINGLILVYINGTICHULEBUTONGDEKANFA。

LVYINGRENWEI,RUGUOYAOKAOLVXINYONGKADEHEGUIYUYANKONGYUFOU,SHIYAOKANSHOUDANSHUCHUDUANYANBUYANGE,MUQIANLAIKANHAISHIBIJIAOSONGDE。HENDUOYINXINGHAISHIYIWAIBAOXINGSHIZUOSHOUDAN,CUNZAIHENDAFENGXIANKONGJIAN,ZAIBAOZHUANGHEDUIXINGYEXUANZEFANGMIANCUNZAIHENDALOUDONG。

DUIYUTAOXIANZHEIZHONGXINGWEI,LVYINGBIAOSHI,YINXINGSHIBUHUIQURENWEIGANSHE,DOUSHIDIANNAOZHENBIE,YIJINGSHIXIANZIDONGLIUCHENGHUA。YINXINGCAIQUDECUOSHI,XIANZHIXIAOFEIYEHAO,JIANGDIQUANYIJIFENYEBA,GENGDUODESHIJIRENXINGYINJIANLAIKAN,ZIJIZAIXINYONGKAFENGXIANBAKONGFANGMIANCAIQULEYIXIECUOSHI。

NEIME,YINXINGRUGUOXIANGYAOZHENZHENGQUJIANGDIXINYONGKAFENGXIAN,ZHUYILIJIUBUYINGGAIJINJINJUJIAOZAICHIKARENSHENSHANG,HAISHIYAOCONGSHOUDANCEJIGOURUSHOU,MEIYOU“ZHUZHOUZHE”,HELAIFENGXIAN。

DANZHEIJIUSHEJIDAOYINXINGYUANBUYUANYILE。ZUOWEIYIMINGPUTONGDECHIKAREN,CONGXINDILISHIXIWANGJIANGUANJIGOUHEYINXINGNENGGOUZHENZHENGDUIXINYONGKASHICHANGLUANXIANGJINXINGZHENGZHI,RANGSHOUGUIJUDECHIKARENDEDAOYINGYOUDEQUANYI,BUYINGGAIRANGTAMENYUELAIYUEJUEDEXINYONGKAMEIYOUYISILE;DANGTAMENJUEDEXINYONGKAMEIYOUYISIDESHIHOU,KENENGHUISUISHIZHUNBEIPAOQI,TOUBENZHIFUBAODEHUABEI、JIEBEI,WEIXINDEWEILIDAI,JINGDONGJINRONGDEBAITIAO、JINTIAO,YIJIGEZHONGWUMEIJIALIANDEXIAOFEIJINRONGCHANPIN。

“XIANZAINIBULIBUCAI,YIHOURANGNIGAOPANBUQI”,DENGDAONEIGESHIHOU,YINXINGSHIBIJIANGHUIFUCHUGENGDADEDAIJIAZHONGHUOTAMENDEXINREN。

XINYONGKADEWEIJIMOZHOU,HESHIKEYIZHENZHENGPOCHU?

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