Each credit card

Issuance cost is about 50 yuan per card

Production cost: about 1 yuan

Advance interest cost is 80 yuan/ Year: Calculation method that can be used as a reference, the average credit limit of each card (5000-10000 accounts for about 8030000 to 5000020, the weighted average is 14000 yuan), the actual average overdraft limit used is 40, the average overdraft amount per card It is about 5,600 yuan. The average annual comprehensive cost of bank funds is 1.4 (including human resources costs, etc., and the interest advance is about 80 yuan). However, there are also a lot of liquidated damages and interest collected overdue. There is also no interest on credit card deposits, and credit card deposits are required. Interest accrued.

Because the fund interest takes into account other bank comprehensive charges, other charges do not need to be recorded separately. Equipment, human resources, development, outlet network resource sharing, etc.

The cost of issuing the card is one-time and must be replaced every 3-5 years.

The annual maintenance cost is affected by the number of cards issued.

If you must spread all these expenses on one card, it should not exceed 150 yuan a year. The card fee or the handling fee of 0.5-1 of the merchant amount for swiping the card will fully recover the cost. The profits are still considerable.

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