央行对信用卡透支利率的“放松”将对我们产生什么影响？ _东方财富网

原标题：央行对信用卡透支利率的“放松”对我们有什么影响？

概要

[Thecentralbank’s”relaxation”ofcreditcardoverdraftinterestrateshasanyimpactonus?】FromJanuary12021thecreditcardoverdraftinterestrateisdeterminedbythecardissuerandthecardholderthroughindependentnegotiationTheupperlimitandlowerlimitofthecreditcardoverdraftinterestratearecancelledTheoriginalupperlimitis5%ofthedailyinterestrateandthelowerlimitis5%ofthedailyinterestrate07timesRecentlyanoticefromthePeople’sBankofChinaonadvancingthemarket-orientedreformofcreditcardoverdraftinterestrateshasbeencirculatingintheindustry(InternationalFinanceNews)

　　“From January 1, 2021,creditCard overdraftinterest rateDetermined by the card issuer and cardholder through independent negotiation, canceledcredit cardOverdraftinterest rateUpper limit and lower limit management (the original upper limit was five ten thousandths of the daily interest rate, and the lower limit was 0.7 times the daily interest rate of five ten thousandths). “

Recently, a copy of “The Chinese PeoplebankAbout advancingCredit card overdraft“Notice on the Reform of Interest Rate Marketization” has been circulating in the industry.

The upper and lower limits are officially loosened, rightbankWhat does it mean for cardholders?Will againthe InternetClass credit cardCreditproductWhat is the impact?

Credit card overdraft rates will be more differentiated

In April 2016, “The Chinese PeoplebankThe “Notice on Matters Concerning Credit Card Business” was released and will be implemented on January 1, 2017. Measures such as the cancellation of the credit card overdraft interest rate standard and the implementation of the upper and lower limit range management of the overdraft interest rate have stimulated the vitality of the credit card market.

Four years later, the upper and lower limits are officially loosened. What does it mean for banks and cardholders?

Dong Ximiao, chief researcher of China Merchants Union Finance, told the International Finance News that in the future, credit card overdraft interest rates will be more differentiated, which will be reflected in two aspects:

One is the differentiation of bank pricing.Different banks willCreditResources, development goals,marketing strategyWait for different overdraft interest rates,Small and medium banksOr it will attract customers through lower interest rates.

The second is customer pricing differentiation. Customers with high frequency and amount of overdraft and good credit will get a more favorable overdraft interest rate.

Letting interest rates freely “take off” not only has a good impetus to the credit card market, but also conforms to the tonality of the banking industry’s interest rate marketization in recent years.Su Xiaorui, a senior researcher at the Sack Research Institute, analyzed to reporters that this is an important manifestation of promoting the reform of interest rate marketization.People’s Bank of ChinaThe spirit of the published “Law of the People’s Republic of China on Commercial Banks (Revised Draft)” is in the same line. At that time, the contents of the document stated that “commercial banks can independently negotiate deposit and loan interest rates with customers.”

In this regard,Soochow SecuritiesChief of BankingAnalystMa Xiangyun predicts that commercial banks will not raise interest rates on a large scale, but may raise prices for some customers with poor risk performance to match risks and returns. The reverse is also true. Some banks may cut prices for high-quality customers, breaking the previous lower limit of interest rates, but the proportion of interest-earning assets of high-quality customers is lower, so the actual impact is expected to be limited. In general, leading retail banks can set prices more flexibly for credit card business and benefit from interest rate marketization.

For customers, Dong Ximiao believes that although there will not be much room for bargaining, there will be more choices.This also helps banks improve credit cardsProduct competitiveness. Flexible pricing strategies will help banks increase credit card product innovation and increase the attractiveness of credit cards to young customers. Just “flower chant””borrow“Bang” lowered some customer quotas.

According to data from the Central Bank, as of the end of the third quarter of 2020, the number of bank cards in use nationwide was 8.798 billion, an increase of 1.62% from the previous quarter, and the growth rate was 0.11 percentage points higher than the end of the previous quarter. Per capita in China holds 6.28 bank cards, of which 0.55 are credit cards and debit cards.

However, many banks, including Agricultural Bank of China, Bank of China, Ping An, CITIC, GF, Huaxia, and Industrial, all releasedannouncementMake it clear again and again that credit cards cannot be usedreal estate、Stock investment、Financial management, Other equity investment and other fields. Therefore, even if the credit card interest rate is lowered, cardholders still need to pay attention to the scope of use, and must not maliciously misappropriate the funds in the credit card.

Internet credit consumer products may be affected

“The central bank’s move is equivalent to letting go of the bondage of bank credit card interest rates. In the future, bank credit cards can use different interest rate strategies to attract customers.Credit productsForm a counterattack. “Senior credit card expert Dong Zheng believes that the credit card business has always been in competition with other credit consumer products due to policy compliance,Trading floorThe lack of competitive advantages and disadvantages in many aspects such as business development and business processes, and the release of the “Notice” is an important measure for the credit card business to regain its mainstream status in the market.

“The overdraft interest of popular Internet credit consumer products is also 0.05% per day. After credit cards can be flexibly priced, the credit card business can occupy a favorable position in the field of credit consumption and confront other Internet credit consumer products.” He said.

In Dong Zheng’s view, this time the central bank suddenly introduced this policy and implemented it urgently, directly canceling the upper and lower limits of credit card overdraft interest rates. It can be regarded as a forceful release of credit card business after the cleanup and rectification of the online small loan market at the end of 2020.

“After the interest rate space is opened, the user space is also opened. Credit cards can compete with low-interest consumer loans, Shanghai can compete with consumer finance companies and small loan companies, and the personal loan business can be unified within the bank.” Deputy Suning Institute of Finance Dean Xue Hongyan said that after the removal of interest rate restrictions, the credit card department tends to adjust interest rates downwards, which will strengthen the competitive relationship between credit card overdraft products and consumer loan products of the Personal Finance Department. Credit cards hold user advantages and scenario advantages. As long as interest rates are reasonable, competition Power will be stronger than consumer loans.

The above documents also mentioned that card issuers should fully disclose credit card overdraft interest rates through the institution’s official website and other channels and update them in a timely manner. When disclosing credit card overdraft interest rates, they should display the annualized interest rate in an obvious way, not only the daily interest rate and daily repayment amount. Wait.

“Market competition will be more intense, but there will be no disorderly competition. After the upper and lower limits are lifted, it is expected that the central bank will continue to guide banks to maintain a good order of competition through self-discipline mechanisms and window guidance, and banks will also follow their own capital costs. , Risk appetite and other reasonable pricing, will not hit the bottom linepricewar. “Dong Ximiao thinks.

(Source: International Finance News)

(Editor in charge: DF398)