Staff wages, card production fees, material fees, etc.

Issuance cost is about 50 yuan per card

Production cost: about 1 yuan

Advance interest cost 80 yuan/year: You can refer to the calculation method, the average credit limit of each card (5,000-10,000 accounts for 80%, 30,000 to 50,000 accounts for 20%, the weighted average is 14,000 yuan), the actual average overdraft usage The limit is 40%, the average overdraft amount per loan 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, and there are also loans Credit card deposits do not bear interest, but credit cards charge interest.

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 fees or the 0.5-1% handling fee of the card payment to the merchant will fully recover the cost. The profits are still considerable.