信用卡透支收益研究

The Overdraw Profits of Credit Cards

信用卡业务是一种以"高风险、高收益"为特点的创新金融业务。具有信用风险的透支业务是其主要利润来源。本文基于对信用卡透支收益与成本分析,提出要提高信用卡透支收益水平,就需要降低透支收益融资成本,建立个人信用综合评价,提高透支安全性和回收比率,并建立信用累计制度和透支利率激励模型促使持卡人透支基数扩大,并为发卡银行作出综合贡献。

The business of credit card is a kind of innovation financial business with ＂high risk and high profit＂ as characteristic. The overdraw business with the characteristic is its major profit source. Based on the analysis of profit and cost of overdraw of credit card, this paper has put forward that, if we want to improve the profit lever of credit card overdraw, we should reduce capital cost of overdraw profit, establish credit evaluation of individual, guaranty overdraw safety and rate of recovery, and establish a system of credit accumulation and a motivation model of overdraw rate to spur the overdraw base to be enlarged.