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信用卡无担保、小额循环消费的产品特点决定了信用卡业务是一项风险较高的业务。但它高达18%的年透支利率,加上以信用卡为载体的分期消费信贷手续费、信用卡年费、信用卡消费商户回佣、滞纳金等各项收入,远高于一般个人业务和传统信贷业务。因此,信用卡业务作为商业银行最重要的中间业务之一,进入一个高速发展阶段。本文拟探讨我国商业银行分支机构信用卡市场发展的主要特点和存在问题,提出适合我国商业银行分支机构信用卡市场发展的指导性建议。
Credit card is unsecured, and the product characteristics of small circulation consume the credit card business is a risky business. However, its annualized overdraft rates of up to 18%, combined with credit card-based installment credit fees, annual credit card fees, merchants’ credit card rebates and late fees, are much higher than the average personal business and traditional credit businesses. Therefore, as one of the most important intermediary businesses of commercial banks, credit card business has entered a stage of rapid development. This article intends to explore the main features and existing problems of the development of the credit card market in the branches of commercial banks in our country and put forward the guiding suggestions that suit the development of the credit card market in the branches of commercial banks in our country.