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市场调查报告书

信用卡资料辑 (2020年):顺利将持续一段时间

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

出版商 Mercator Advisory Group, Inc. 商品编码 926174
出版日期 内容资讯 英文 29 Pages
商品交期: 最快1-2个工作天内
价格
信用卡资料辑 (2020年):顺利将持续一段时间 The 2020 Credit Card Data Book: Good Times Roll a Bit Longer
出版日期: 2020年02月19日内容资讯: 英文 29 Pages
简介

对许多信用卡公司来说2019年失业率、通货膨胀率很低,利率保证金比以往更高,回收成果良好,总户头数也略有增加等条件到位,成为了成功的年度。如果经济潮流保持不变,预计2020年可能会有一定的收入成长。可是发行公司需要采取措施为经济转型的风险做准备。

本报告提供信用卡产业的近几年调查趋势,使发行公司能够制定措施以最小化经济转型期间的风险,表示信用卡的循环债务,家庭负债结构,ROA,利率保证金等,关联的重要标准。

调查内容的亮点

  • 2020年值得注意的主要产业标准
  • 旋转债务的增加
  • 信用卡平均债务
  • 信用卡总资产报酬率
  • 融资组成、活性帐号总数
  • 数兆美元规模的信用卡偶发负债
  • 利率保证金
  • 家庭负债负担

刊载企业、组织

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

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