downupofcreditcardindustryinkorea韓國信用卡業(yè)的啟(編輯修改稿)
2024-08-11 18:26 本頁面
【文章內(nèi)容簡介】 res? 措施的具體內(nèi)容 ? Rolling over maturing debt securities issued by credit card panies 展期處理信用卡機(jī)構(gòu)發(fā)行的正在到期的債券。 ? Funding a pool to support refinancing credit card panies’ debt securities which are held by investment trust panies 建立一個資金池，對信托投資公司公司持有的信用卡機(jī)構(gòu)債務(wù)性證券的再融資提供支持 。 (U$ billion from banks, brokerage firms, insurance panies) （ 由銀行、中介公司和保險公司提供 41億美金資金 ) (intended to refinance 50%, the other half be rolled over by investment trust panies themselves) （ 預(yù)計對信用卡機(jī)構(gòu)再融資 50%，另外一半由信托投資公司以債務(wù)展期方式處理 ) 16 Credit Card Industry in Korea ? Extension of grandfather clause of new regulation ? 新規(guī)則中不追索條款的延伸 New rule (introduced in July 2022) requires credit card panies to reduce the amount of cash advance services to less than the amount of credit for purchases 2022年 7月實(shí)施的新規(guī)則要求將信用卡機(jī)構(gòu)的透支額度降低到不高于購買的額度 The panies had to meet the requirement until the end of 2022 到 2022 年底，信用卡機(jī)構(gòu)要達(dá)到上述要求。 → Extend to the end of 2022(one year postponement) → 延遲到 2022年底（一年的寬限期） 17 Credit Card Industry in Korea ~ April May June July 22,257 6,874 1,425 2,036 6,068 ◇ Overe the situation 擺脫困境 ? Increasing investment trust asset 增加投資信托資產(chǎn) Individual investors stopped selling out investment trust. 個人投資者停止出售信托資金。 Changes of assets million U$ 資產(chǎn)變 化，百萬美元 18 Credit Card Industry in Korea ? Recovering daily transaction volume of credit card panies’ debt securities in the market ? 信用卡機(jī)構(gòu)債券的日均交易量回升 Feb Mar Apr May Jun July 151 43 57 37 49 123 Million U$ 百萬美元 19 Credit Card Industry in Korea What went wrong with Credit Card Companies ? 信用卡機(jī)構(gòu)問題的癥結(jié)何在？ 20 Credit Card Industry in Korea ◇ Some historical background 部分出于歷史原因 ? Deregulation after financial crisis in 1998 1998年金融危機(jī)后的放松管制的結(jié)果 Enactment of new law which is intended to deregulate financial panies without the function of banking deposits (the law enpasses credit card business, leasing panies, installment financing panies, venture capital panies) 實(shí)施新法律，旨在放松對無銀行存款業(yè)務(wù)的金融機(jī)構(gòu)的管制。 (范圍包括信用卡機(jī)構(gòu)、租賃機(jī)構(gòu)、分期付款融資機(jī)構(gòu)和風(fēng)險資本機(jī)構(gòu) ) Credit card panies were allowed to make loans, discount notes, factor accounts receivables 允許信用卡機(jī)構(gòu)發(fā)放貸款、貼現(xiàn)票據(jù)、代理應(yīng)收帳款 。 21 Credit Card Industry in Korea ◇ Abolishment of legal limitation for cash advance (1999) 取消透支法律限額（ 1999） ? Old version: cash advance limit to U$ 600 per card. 舊規(guī)定：每張卡最多透支 600美元 ? Credit card panies quickly increased the limit as high as U$ 10,000 per card. 信用卡機(jī)構(gòu)迅速將此限額上調(diào)至每張卡 1萬美元。 22 Credit Card Industry in Korea ◇ Abolishment of limitation on the credit card panies’ debt raising(1999) 取消對信用卡機(jī)構(gòu)的舉債限制 (1999) (Old law limited to 20 times of capital) （ 原有規(guī)定是其資本金的 20倍 ) ◇ Korean tax authority allowed ine deduction of personal consumption made through credit card.(1999) 韓國稅務(wù)部門允許以信用卡支付的個人消費(fèi)抵免應(yīng)交所得稅額度。 (1999) 23 Credit Card Industry in Korea ◇ Untapped new market of consumer finance 新的 消費(fèi)者金融市場尚未啟動 ? Before 1998, individuals had a lower pecking order
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