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自2010年以来,央行已连续12次提高法定存款准备金率,5次提高人民币存贷款基准利率。在信贷规模紧缩的大背景下,通过信用卡分期付款的消费方式越来越受持卡人关注。存在较高盈利空间的分期业务成为信用卡市场上的兵家必争之地。分期业务作为发卡行重要的创新产品,已显现出巨大的发展潜力和显著的经济效益,不仅在促进刷卡消费、增加有效透支、提升动卡率等方面起到积极催化作用,而且以其良好的收益性成为银行中间业务收入新的增长点。
Since 2010, the central bank has raised the statutory deposit reserve ratio for 12 consecutive times and raised the benchmark deposit and lending interest rates five times. In the context of the tightening of credit scale, cardholders are paying more and more attention to the way of payment through credit card installments. Staging with higher profit margins has become a must for military strategists on the credit card market. As an important innovation product of issuers, staging business has shown great potential for development and significant economic benefits. It not only plays a positive catalytic role in promoting credit card spending, increasing effective overdraft, and improving card rate, but also with its good Profitability has become a new growth point for bank intermediary business income.