1, interest income;
2. Annual fee income;
3 merchant rebate or credit card rebate income:
Second, hidden benefits-mainly refers to the additional benefits brought by credit card business to banks, including locking accounts and funds, and cooperation with other public and private businesses.
1. Lock accounts and funds: this is the most important hidden income. For example, if a merchant uses a bank credit card to buy goods, installs a POS machine of the bank to collect money for customers, and at the same time opens value-added services such as installment (customers can pay directly by installment) and integral consumption, then the business process of the merchant will also be the process of bank expanding households and collecting money.
2. Cooperation with other public and private businesses: Banks can use some functions of credit cards to provide support for other businesses, such as a bank's inter-bank repayment business, the purchase of wealth management products by counter POS machines, and the bank-medical communication system (which has various cross-applications in other banks).
Extended information: credit card swiping, consumption rebate. By the end of the third quarter of 20 14.69 trillion, the total credit of bank cards was 14.69 trillion, the credit utilization rate was 45.03%, and the average charge of card issuers was 0.40%. By the end of the third quarter, 20 14.69 trillion x 45.03% x 0.40% = 264.59 billion yuan. Interest income.
The total amount of overdue credit cards for half a year is as high as 88.098 billion yuan, which will generate interest income of 44.04 million yuan every day (the daily interest rate is 0.05%), which is 65.438+06.5438+89 million yuan in the first three quarters. Not to mention those that are only a few days overdue, a month overdue, etc. It is estimated that banks can earn at least tens of billions of dollars in interest income every year! Installment fee
Taking 10% of the total credit usage as the base of credit card installment repayment, the handling fee for each installment is 1%. If it is divided into six installments on average, the total income is: 14.69 trillion x 45.03% x10% x 6 = Counting these three parts alone, in the first three quarters of 20 18, the bank's credit card business income was at least 78.038 billion yuan. This is still based on incomplete data and preliminary calculations. It is estimated that the real data should be much more than this!
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