Who Will Pay For The Risk Of Credit Card?

< p > < < a href= > http://www.91se91.com/news/index_s.asp > > credit card > /a > the amount of a single paction is often relatively small. Unlike housing pactions, it is often priced at 10000 yuan. In fact, the credit card business has a very high contribution to the profits of the bank's personal loan business. A joint-stock Bank Beijing branch head of the Department of gold told the Securities Daily reporter that "the credit card loan amount of some banks is now higher than that of the personal housing mortgage loan, and the added value of this business is also much higher than that of the housing mortgage loan".

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< p style= "text-align: center" > img border= "0" alt= "align=" center "src=" /uploadimages/201403/19/20140319093754_sj.JPG "/" < < > >

< p > the official's statement was confirmed by the annual report of the first listed bank, the annual report of Ping An Bank, which was recently disclosed in the 2013 annual report of the listed banks. In all kinds of personal loans of Ping An Bank, the credit card business was far ahead of the housing mortgage business after its slight disadvantage in operating loans, and the total amount of credit card business and auto loan business nearly doubled in 2013.

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< p > however, the expression of the credit card bad loan rate in Ping An Bank's annual report is also worth vigilance. As of the end of the reporting period, the bad loan rate of the credit card business rose to 1.58% compared with the beginning of the year, and remained at a relatively low level in the industry.

That is to say, the bad loan ratio of more bank credit card business is even higher than 1.58%.

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< p > < strong > banks keen: < /strong > /p >

< p > < strong > part of the banking business accounted for the super mortgage < /strong > < /p >.

< p > in view of the fact that most of the listed banks have not published the 2013 annual report, the annual report of Ping An Bank has become the touchstone of the whole industry in a sense.

In the annual report of Ping An Bank in 2013, the credit card business was a great success.

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< p > by the end of 2013, the balance of Ping An Bank's retail loans (including credit cards) increased by 44.20% compared with the beginning of the year, while the growth of retail loans (excluding credit cards) was only 35.61%.

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< p > annual report shows that Ping An Bank's credit card business continued to maintain rapid and steady growth in 2013.

At the end of the year, the volume of circulation cards reached 13 million 810 thousand, an increase of 25.6% over the beginning of the year, and the total paction volume reached 528 billion 100 million yuan, an increase of 141.8% over the same period last year. The volume of online pactions continued to maintain a rapid growth trend, an increase of 213% over the same period last year.

As of the end of the reporting period, the loan balance was 86 billion 800 million yuan, an increase of 74.6% over the beginning of the year.

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< p > from the subdivision of the bank's personal loans, the largest amount of operating loans is 89 billion 430 million yuan, followed by 86 billion 830 million yuan of credit card loans (but its growth is much faster than that of operating loans); the scale of housing mortgage loans has been slightly reduced to 64 billion 960 million yuan; and the growth of vehicle loans has more than doubled to 48 billion 750 million yuan.

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< p > the listed banks with credit card business larger than housing mortgage are not just Ping An Bank.

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< p > Minsheng Bank 2013 semi annual report shows that as of the middle of last year, the ratio of credit card overdraft to Minsheng Bank accounted for 15.3% of personal loans, which was higher than that of residential mortgage loans (11.93%). < /p >

< p > but from the bad loan rate of Ping An Bank, the housing mortgage business is 0.44%, the operating loan business is 0.55%, the auto loan is 0.21%, and the bad loan rate of credit card accounts receivable increased from 0.98% at the end of 2012 to 1.58%.

Even so, Ping An Bank still said that the bad loan rate of its credit card business remained at a relatively low level in the industry, and the risk of wind control faced by the industry as a whole was visible.

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< p > our reporter noted that the semi annual report of Pudong Development Bank last year showed that the non-performing loan ratio of the bank's credit card and overdraft business increased to 2.05% from 1.55% in the same period in 2012, while the overall non-performing loan rate of Pudong Development Bank's current personal loans was only 0.6%.

In addition, China Merchants Bank and Industrial Bank in the middle of 2013, the credit card business's non-performing loan ratio also exceeded 1%.

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< p > however, "credit card business of listed banks is still in place in general, and the high rate of non-performing loans is mainly in some small city firms and agricultural firms," a person who worked in the "four big" accounting firms told reporters.

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< p > < strong > < a > href= > http://www.91se91.com/news/index_c.asp > Central Bank < /a > statistics: < /strong > /p >

< p > < strong > no more than half a year has been increased by 70% < /strong > < /p >.

< p > indeed, for credit card business, the promotion of banks in recent years has been increasing year by year, and the number of card issuers has also maintained two digit growth for many years. However, behind the impressive achievements, the large increase in overdue loans has also become the Achilles heel.

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< p > the central bank issued the "general situation of the payment system in 2013" released last month. As of the end of 2013, the country issued 4 billion 214 million bank cards, of which 391 million were issued by credit cards, up 18.03% from the end of last year, and the growth rate was 2.03 percentage points faster.

The country has 0.29 credit cards per capita, up 16% from the end of last year.

The average per capita possession of credit cards in Beijing and Shanghai was far higher than the national average, reaching 1.63 and 1.3 respectively; the total credit card credit was 4 trillion and 570 billion yuan, an increase of 31.17% compared with the same period last year; the total amount of credit payable at the end of the credit card was 1 trillion and 840 billion yuan, an increase of 61.80% over the same period last year; the total amount of outstanding credit cards was 25 billion 192 million yuan over half a year, increasing by 10 billion 534 million yuan compared with the end of 2012, 71.86%; and the total amount of outstanding credit cards in the last six months accounted for 1.37% of the total credit amount payable at the end of the year, representing an increase of 0.08 percentage points at the end of the year.

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< p > in addition, the central bank's report also shows that in 2013, the interbank payment system of bank cards was connected to 7 million 634 thousand and 700 merchants, 10 million 632 thousand and 100 POS machines and ATM52 10000 units, which increased 2 million 802 thousand, 3 million 514 thousand and 300 and 104 thousand and 400 respectively compared with the end of last year.

By the end of 2013, the number of bank cards corresponding to ATM per unit was 8104, which was 4.71% lower than that at the end of last year.

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< p > < strong > practical operation: < /strong > < /p >

< p > < strong > illegal trading is more frequent than < /strong > < /p >.

< p > behind the rise of credit card NPL ratio and the increase of paction scale, there is a risk control loophole that can not be underestimated. That is credit card cash.

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< p > "zero Shoufu vehicle loan, there is a credit request, no asset loan. Requirements: Shanghai customers over 25 years old, good credit 200 thousand yuan -30 million yuan, customers do not want the car can also get cash directly", "a bank credit card amount below 50 thousand yuan, there are card customers directly to platinum credit card, bank internal operation", "looking for pure white households to handle large credit cards, black households wash white"......

These credit card cash ads involving non real trading background are common in all kinds of network platforms.

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< p > the pure white households mentioned above are those who have never done any credit card nor have any other loan records. In the central bank's printed credit reporting personal credit column is blank, according to intermediary Li Fei, "this group of people handling large credit cards is the most convenient"; and the so-called "black households wash white" is to eliminate the bad credit records of the central bank's credit reporting system.

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< p > "in addition to some truly qualified high-end customers, many people who handle large credit cards do not really want to spend large amounts of money, but to cash in, and then pay for the payment of the wall, until finally the capital chain breaks, forming a bad loan", another intermediary told reporters.

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< p > "now that the number of POS machines is so large, it is very difficult for banks to directly distinguish the authenticity of pactions".

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< p > however, this way of covering risks through profits is also questioned by some credit card customers. "It is a fact that the" a href= "http://www.91se91.com/news/index_s.asp" /a "is the reality of" paying the bill "for non-performing loans.

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< p > this person also said that at present, the use of big data is becoming more frequent and efficient. Banks can still block this loophole through a certain degree of data exchange.

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