Referring to the 2007 annual report of China Merchants Bank, there are the following data: non-interest income from credit card business 1, 51.500 million yuan; Annual fee income is 654.38+0.03 billion yuan; Installment fee income is 255 million yuan; At the same time, the total accounts receivable (total advance payment) is 21.300 million. The accumulated transaction amount of credit cards is 65,438+0,365,438+0.3 billion. The balance of revolving credit is 7.8 billion yuan ",which means that this part of the" balance "can be Qian Shengqian by other means of banks, which is also the source of profits. The support is "the cumulative number of credit cards issued is 20.68 million, an increase of 6.5438+003400 in that year. The cumulative number of cards in circulation 1, 446,5438+0,000, the cumulative number of households in circulation is 7.95 million, the credit card overdraft limit is 50.88 billion, and the average single card limit is about 3,500 yuan. "
There are risks. China Merchants Bank ... The internationally recognized bank credit card business takes about five years from start to profit. There is a process of market cultivation in these five years, and it is possible to make a profit (at least 3 million to 5 million cards) when a certain number of cards are reached. At present, some banks in China have made profits in this business-China Merchants Bank announced that the credit card business earned 2.5 billion yuan in 2007.
Referring to the 2007 annual report of China Merchants Bank, there are the following data: non-interest income from credit card business 1, 51.500 million yuan; Annual fee income is 654.38+0.03 billion yuan; Installment fee income is 255 million yuan; At the same time, the total accounts receivable (total advance payment) is 21.300 million. The accumulated transaction amount of credit cards is 65,438+0,365,438+0.3 billion. The balance of revolving credit is 7.8 billion yuan ",which means that this part of the" balance "can be Qian Shengqian by other means of banks, which is also the source of profits. The support is "the cumulative number of credit cards issued is 20.68 million, an increase of 6.5438+003400 in that year. The cumulative number of cards in circulation 1, 446,5438+0,000, the cumulative number of households in circulation is 7.95 million, the credit card overdraft limit is 50.88 billion, and the average single card limit is about 3,500 yuan. "
There are risks. The non-performing rate of China Merchants Bank's credit card 1.92% is not low. It is said that credit card is a high-risk and high-yield industry, which is truly reflected from China Merchants Bank. However, compared with the income of 2.5 billion yuan, China Merchants Bank can still bear the loss of bad debts ~