探析信用卡代偿行业的兴起:现状、动因、障碍及对策

Analysis of the Rise of Credit Card Compensation Industry: Current Situation,Motivation, Obstacles and Countermeasures

在信用卡个人消费贷越发普及的同时,衍生于信用卡产业链的信用卡代偿模式随之悄然壮大。但是,由于缺乏完善的行业监管规则和制度基础,资本催熟的信用卡代偿行业面临种种风险与变数,可能涉嫌信用卡违规套现,以及存在市场无序竞争、虚假宣传、平台乱计费、信用卡信息安全、隐私侵犯等问题,制约行业的纵深发展,并埋下金融风险隐患。信用卡代偿对市场的渗透,需经历充分认知、参与者竞争、监管逐步落地等过程,持卡人的理性抉择,以及银行更客观地评估代偿在零售金融中的推进作用。随着参与主体的丰富和政策监管的完善,我国信用卡代偿的前景广阔。

With the increasing popularity of credit card personal consumption credit,the credit card compensation model derived from the credit card industry chain grew quietly.However,due to the lack of sound industry regulation rules and institutional basis,the credit card compensation industry with mature capital faces various risks and variables,which may be suspected of irregular cash flow of credit cards,as well as market disorder competition,false propaganda,platform charges,credit card information security,privacy violations and other issues,which restrict the deep development of the industry and bury hidden financial risks.The penetration of credit card compensation into the market requires full recognition,competition among participants,gradual landing of supervision,rational choice of cardholders,and more objective assessment of the role of compensation in retail finance by banks.With the enrichment of participants and the improvement of policy supervision,the prospect of credit card compensation in China is broad.