業者:信用卡業務 淪為「雞肋」 - 信用卡
By Tracy
at 2012-03-06T18:43
at 2012-03-06T18:43
Table of Contents
新聞出處:http://money.udn.com/wealth/storypage.jsp?f_ART_ID=258966
【經濟日報/記者夏淑賢、邱金蘭/台北報導】
國內信用卡業者表示,信用卡業務在主管機關這幾年來強力監督下,利潤已愈來愈薄弱,
競爭更加激烈。
本國銀行信用卡主管指出,台灣信用卡市場已經飽和,業者要靠信用卡業務賺錢,循環信
用餘額是很重要的關鍵,但近幾年政策引導長期使用循環信用的持卡人要轉換為信貸,而
循環信用利息與信貸利息往往一差可達約10個百分點上下,業者利息收益大縮水。如果循
環信用餘額部位不到100億元,很難賺錢。
銀行主管分析,以花旗銀行為例,過去該行循環信用餘額可達500多億元以上,利息收益
再扣除成本,可賺四、五十億元,現在循環信用餘額降到200多億元,利潤便降至二、三
十億元。
據金管會統計,至去年底為止,循環信用餘額超過100億元部位的發卡機構只有五家,依
序為花旗(台灣)213億元、中信銀177億元、國泰世華銀154億元、玉山銀131億元、台新
銀126億元。
銀行信用卡部門主管指出,在金管會連續推出限縮信用卡預借現金額度、鼓勵轉換信貸等
各種措施後,導致銀行信用卡部門獲利銳減,甚至絕大多數的國銀信用卡部門都變成「雞
肋」,只能算是服務客戶的基本配備。
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短評:金管會os 銀行不要想玩政府(無誤)
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