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招行浦发信用卡死卡超千万张

2017-09-13 07:31:22   中国经济网

法治周末见习记者吴昊

伴随着25家A股上市银行半年报的披露,各家银行抢占信用卡业务版图日趋明朗。

据中国人民银行2017年9月7日发布的《2017年第二季度支付体系运行总体情况》统计,截至第二季度末,全国银行卡在用发卡数量63.47亿张,同比增长8.90%,环比增长1.35%。其中,借记卡在用发卡数量58.28亿张,同比增长8.82%,环比增长0.95%;信用卡和借贷合一卡在用发卡数量共计5.20亿张,同比增长9.82%,环比增长6.02%。全国人均持有银行卡4.59张,其中,人均持有信用卡0.34张(指标涉及人均值时,人数使用国家统计局公布的2016年末全国大陆总人口138271万人)。

2017年上市银行半年报显示,中国工商银行和中国建设银行信用卡累积发卡量均超一亿张,分别为1.29亿张和1.02亿张。而招商银行、农业银行、交通银行、光大银行、民生银行、平安银行、兴业银行、浦发银行的发卡体量也已达到千万级别。

半年报中表明包括信用卡业务在内的零售业务对银行利润贡献提高,股份行则尤其看好包括信用卡业务在内的零售业务发展。据了解,平安银行、中信银行都在年报中,明确提出要大力发展零售业务,增大零售业务收入在总营业收入中的占比。

值得注意的是,招商银行和浦发银行半年报显示,招商银行信用卡发卡总量为8812万张,而流通5192万张,仅2017年上半年增长642万张;浦发银行信用卡总量为3462.74万张,而流通卡为2243.73万张,计算下来招行约有死卡3620万张,死卡率达到41%;浦发银行死卡数约为1219.01万张,死卡率达到35%。

我爱卡增值业务部总监董铮表示,一些商业银行过度发卡的情况确实存在,导致出现大量死卡。

“一家银行的活跃信用卡高,它的信用卡对应收益才会高。”董铮认为,卡量永远只是一个基数,对应的活跃卡比例越高,它可能带来的收益才会越高,这就需要银行自身通过各种运营手段来刺激用户使用信用卡。

董铮认为,信用卡之所以会死,归根结底还是用户对信用卡使用的欲望降低,如今,办理信用卡的门槛渐低,各家银行都在争先推销自己的信用卡,如果想刺激用户使用信用卡,还要看其推出的活动能不能让用户想起来那张被遗忘的死卡。

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