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市場調查報告書

由於美國的信用卡負債額:嚴陣以待的強化

U.S. Credit Card Debt: Circle the Wagons and Fortify

出版商 Mercator Advisory Group, Inc. 商品編碼 512151
出版日期 內容資訊 英文 21 Pages
商品交期: 最快1-2個工作天內
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由於美國的信用卡負債額:嚴陣以待的強化 U.S. Credit Card Debt: Circle the Wagons and Fortify
出版日期: 2017年06月06日 內容資訊: 英文 21 Pages
簡介

本報告提供美國消費者信用卡負債額的劇增與卡片發行業者的對策,借款額、信貸額度的變化與趨勢,偶發負債相關考察,債務的時效與沖銷,有效的回收策略的重要事項等彙整資料。

本調查的重點

  • 超過所得的成長的信用卡、汽車貸款、學生貸款的借款步調
  • 偶發負債的含義檢驗、超過8000億美元的信用卡循環信用債務+2.6兆美元的開放式信貸額度的影響
  • 信用卡債務的時效、沖銷與其結構
  • 有效的回收策略的9項的重要組成
  • 銀行的信用卡業務的信用評估、資料強化相關討論

調查對象企業

  • ACI Worldwide
  • American Express
  • Bloomberg Markets
  • Capital One
  • Celeriti Fintech
  • Citi
  • Discover
  • Experian
  • Equifax
  • FICO
  • First Data
  • FIS
  • Fiserv
  • LexisNexis Risk Solutions
  • MasterCard
  • New York Times
  • SAS
  • Saylent Technologies
  • TransUnion
  • USA Today
  • Visa
目錄

Three indicators signal risk ahead for the U.S. credit card industry, new research warns

New Mercator Advisory Group research discusses coming wave of credit card delinquency due to aggressive account acquisitions

Three indicators signal risk for the U.S. credit card industry: New account bookings surged since 2011. Active credit card lines now exceed $3.4 trillion. And, 30-day credit card delinquency deteriorated in first quarter 2017.

Mercator Advisory Group's latest research, ‘U.S. Credit Card Debt: Circle the Wagons and Fortify’, discusses the rapid post-recession buildup in consumer credit card debt in the United States and why credit card issuers must ensure their operations are running at full speed to protect against an upcoming wave of potential write-off, which will translate into lower credit card industry profits and balance sheet risk.

According to the report, U.S. households are adding new credit despite sky-high volumes of outstanding credit card debt, auto finance, and student loans. Adding new customers and coming up with new payment tools is exciting, but issuers need to keep their eye-on-the ball particularly since the lending growth is outpacing household income growth.

“From a lender's lens, growth is terrific, but from an investment view, question arises: Can the U.S. household carry all this debt? Bankers need to harness their credit card portfolios with leading-edge collection tools and execute the right strategies to rehabilitate fragile household budgets. The focus needs to be on collection tools, technology, and staff development,” commented Brian Riley, Director, Credit Advisory Service, Mercator Advisory Group, author of the report.

This research report is 21 pages long and has 10 exhibits.

Companies mentioned in this report include: ACI Worldwide, American Express,Bloomberg Markets, Capital One, Celeriti Fintech, Citi, Discover, Experian, Equifax,FICO, First Data, FIS, Fiserv, LexisNexis Risk Solutions, MasterCard, New York Times, SAS, Saylent Technologies, TransUnion, USA Today, and Visa.

One of the exhibits included in this report:

Highlights of the research report include:

  • An illustration of the rapid lending pace for credit cards, auto finance, and student loans outweighing income growth
  • A review of what contingent liability means and the impact of more than $800 billion revolving debt on credit cards and an additional $2.6 trillion in open credit card lines
  • An explanation of the credit card aging model and the write-off process and how it works
  • Nine essential components for an effective collection strategy
  • Discussion on credit scoring and data enhancements for the bank card credit operation
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