浅析信用卡分期付款对经济发展的拉动作用

A brief analysis on the pulling effect of credit card installment payment on economic development

信用卡分期业务作为金融机构新的利润来源,其比重在不断提高。同时,其操作的便捷性、业务的多选择性在方便客户生活、拉动内需刺激消费方面起到不可低估的作用。通过对现有金融业贷款及用户的需求情况进行分析,提出信用卡分期付款对缓解客户短期资金缺口;促进银行结构调整;推动消费快速增长具有十分重要的作用,进而得出信用卡分期付款对经济发展具有拉动作用的结论。以期更加重视信用卡分期付款业务,较好地规避风险。

the credit card installment business financial institutions as a new source of profit, the proportion is rising. At the same time, its ease of operation, business more selective in convenient customer, stimulating domestic demand, stimulating consumption life cannot be underestimated. Based on the existing financial loans and user＇s demand siuation analysis, put forward the credit card payment by installment to alleviate customer short-term funding gap; To promote the structural adjustment of the bank; Promote the rapid growth of consumption plays an important role, and it is concluded that the credit card payment by installment for economic development has a role in the conclusion. In order to pay more attention to the credit card installment business, to avoid risk.