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市場調查報告書

信用卡資料輯 (2020年):順利將持續一段時間

The 2020 Credit Card Data Book: Good Times Roll a Bit Longer

出版商 Mercator Advisory Group, Inc. 商品編碼 926174
出版日期 內容資訊 英文 29 Pages
商品交期: 最快1-2個工作天內
價格
信用卡資料輯 (2020年):順利將持續一段時間 The 2020 Credit Card Data Book: Good Times Roll a Bit Longer
出版日期: 2020年02月19日內容資訊: 英文 29 Pages
簡介

對許多信用卡公司來說2019年失業率、通貨膨脹率很低,利率保證金比以往更高,回收成果良好,總戶頭數也略有增加等條件到位,成為了成功的年度。如果經濟潮流保持不變,預計2020年可能會有一定的收入成長。可是發行公司需要採取措施為經濟轉型的風險做準備。

本報告提供信用卡產業的近幾年調查趨勢,使發行公司能夠制定措施以最小化經濟轉型期間的風險,表示信用卡的循環債務,家庭負債結構,ROA,利率保證金等,關聯的重要標準。

調查內容的亮點

  • 2020年值得注意的主要產業標準
  • 旋轉債務的增加
  • 信用卡平均債務
  • 信用卡總資產報酬率
  • 融資組成、活性帳號總數
  • 數兆美元規模的信用卡偶發負債
  • 利率保證金
  • 家庭負債負擔

刊載企業、組織

  • ACI Worldwide
  • Bank of America
  • Chase
  • Citi
  • Federal Reserve System
  • FICO
目錄

Credit card profits are back, but issuers must protect against the inevitable economic shift.

Mercator Advisory Group updates annual Credit Card Data Book with projections through 2023.

2019 was a banner year for many credit card issuers, as the stars aligned. Unemployment and inflation were low, interest margins were at a peak, collection results were favorable, and total open accounts grew slightly. And according to Mercator Advisory Group's new report, ‘The 2020 Credit Card Data Book: Good Times Roll a Bit Longer’, 2020 will likely be slightly better, and more profitable, assuming the economic tides do not turn.

“Credit card risk is fragile right now. Times have been good, but that “sooner or later” economic shift draws closer every month. Use Mercator's 2020 Credit Card Data Book to see where sensitivities exist,” comments Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group, the author of this research report. “As an example, if there is a sudden shift, warning bells will ring at credit card issuers and they will quickly tighten credit to protect their balance sheets. As that happens, delinquency will start to climb. This ends up as high credit losses and increased non-interest expense.” Riley continues: “Right now, infrastructure and credit management are as important as portfolio growth. Risks are higher than ever, and issuers must ensure that their credit management policies and systems are ready to react. Overflow and diversion strategies, champion/challenger testing, and a battle-ready credit management team are the order of the day.”

This document contains 29 pages and 20 exhibits.

Companies and other organizations mentioned in this research report include: ACI Worldwide, Bank of America, Chase, Citi, Federal Reserve System, and FICO.

One of the exhibits included in this report:

Highlights of the research report include:

  • Key industry metrics to watch in 2020
  • Growth in revolving debt
  • Average credit card debt
  • Credit card return on assets
  • Originations and total active accounts
  • Trillions of dollars in contingent credit card liability
  • Interest rate margins
  • Household debt burdens