downupofcreditcardindustryinkorea韓國(guó)信用卡業(yè)的啟-資料下載頁
2025-07-15 18:26本頁面
【正文】 o 重新引入放貸率 ? In calculating past due ratio, liquidated asset should be included 在 計(jì) 算 逾期貸款率時(shí)，應(yīng)包括流動(dòng)資產(chǎn)。 ? In calculating adjusted capital ratio, 20% of liquidated asset should be included in the denominator 在 計(jì) 算可 調(diào) 整 資 本比率 時(shí) ， 20％的流 動(dòng)資產(chǎn)應(yīng)計(jì) 入分母 項(xiàng) 。 35 Credit Card Industry in Korea ◇ Credit Counselling amp。 Recovery Service (founded in 2022) 信用咨詢及復(fù)業(yè)服務(wù)中心（ 2022年設(shè)立） ? 1 out of 10 economically active population is registered as insolvent and the number was increasing 每十個(gè)持卡人中就有一人登記破產(chǎn)，并且這一數(shù)字還在不斷增加。 ? Increasing personal insolvency not only hurts financial institutions profitability but bees the reason of social unrest 破產(chǎn)人數(shù)增加不僅影響金融機(jī)構(gòu)的盈利，還成為導(dǎo)致社會(huì)動(dòng)蕩的因素。 ? Financial panies cofounded CCRS to reschedule personal debts and help finding jobs for troubled people 金融機(jī)構(gòu)共同出資建立公司信用評(píng)級(jí)制度，為個(gè)人重新安排債務(wù)，幫助困難群體就業(yè)。 ? Number of applications for debt reschedule 申請(qǐng)債務(wù)重新安排的人數(shù) 2022: 62,550 → 2022: 287,352 36 Credit Card Industry in Korea Afterwards 后來的情況 37 Credit Card Industry in Korea ◇ Number of credit card panies 信用卡機(jī)構(gòu)數(shù)量變化 ? Three panies were merged into mother banks 三家信用卡機(jī)構(gòu)被母銀行兼并 。 ? Six credit panies left on business 市場(chǎng)上僅剩六家信用卡機(jī)構(gòu)。 38 Credit Card Industry in Korea 2022 2022 2022 2022 Assets+ ABS 資產(chǎn) ＋ 資產(chǎn) 支持 債 券 60 84 46 30 26 Liabilities+ Financing from ABS 負(fù)債 ＋ 資產(chǎn) 支持 債 券融 資 52 75 45 28 23 Net ine 凈 收入 0 ROA 資產(chǎn) 收益率 0 ? Credit card panies are recovering from crisis 信用卡機(jī)構(gòu)在危機(jī)后復(fù)蘇。 ? Assets are still shrinking 其資產(chǎn)仍在萎縮 ? Past due ratio (including rescheduled debt) has decreased to %(Sep 2022) from %(end of 2022) 逾期貸款率（包括債務(wù)重新安排）從 2022年底的 %減少到 2022年 9月的 %。 (billion U$, %) 39 Credit Card Industry in Korea 2022 2022 2022 2022 2022. 1~9 Credit card usage 信用卡使用 400 567 431 307 228 (for purchase)（ 購(gòu) 物） 146 223 201 192 157 (cash advance) （透支） 254 344 231 115 71 Outstanding number of Cards issued 未 償還 金 額 85 105 95 83 82 (billion U$, million) ? Credit card usage has kept decreasing 信用卡使用數(shù)量持續(xù)走低 ? Number cardmember is decreasing 持卡人數(shù)量減少 40 Credit Card Industry in Korea ◇ Recently credit card industry is regaining interest in Mamp。A market 近期信用卡行業(yè)重新贏得并購(gòu)市場(chǎng)的青睞。 ? Commercial banks are eager to get access to large customer data base held by credit card panies 商業(yè)銀行渴望能獲取信用卡機(jī)構(gòu)擁有的大規(guī)?？蛻粜畔①Y源 41 Credit Card Industry in Korea Lessons from the experience 從中吸取的教訓(xùn) 42 Credit Card Industry in Korea ◇ Entrepreneurs with less financial market experience sometimes overlook longtime effect of credit risk 缺少金融市場(chǎng)經(jīng)驗(yàn)的企業(yè)家們有時(shí)會(huì)忽視信用風(fēng)險(xiǎn)的長(zhǎng)期性影響 。 ◇ Credit card panies are more sensitive to economic cycle than other financial panies (no or less collateral, high risk customers tend to use more credit) 信用卡機(jī)構(gòu)對(duì)經(jīng)濟(jì)周期性變化要比其它金融機(jī)構(gòu)更為敏感。（無抵押或低抵押、高風(fēng)險(xiǎn)的消費(fèi)者更傾向于使用信用卡） ◇ Credit only panies sometimes bear systemic risk 只經(jīng)營(yíng)信用卡業(yè)務(wù)的機(jī)構(gòu)有時(shí)要承擔(dān)系統(tǒng)風(fēng)險(xiǎn)。 ◇ Regulatory lag 管制滯后 (in the middle of the deregulation trend, establishing new regulation was hard) （ 在放松管制的過程中，很難建立新規(guī)則。）
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