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クレジッドカードデータブック:12項目の重要指標

The Credit Card Data Book: 12 Significant Indicators

発行 Mercator Advisory Group, Inc. 商品コード 593263
出版日 ページ情報 英文 23 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=111.24円で換算しております。
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クレジッドカードデータブック:12項目の重要指標 The Credit Card Data Book: 12 Significant Indicators
出版日: 2017年12月13日 ページ情報: 英文 23 Pages
概要

当レポートでは、米国のクレジッドカード市場を調査し、延滞動向、回転負債額、銀行のROA、利率の予測など重要な12項目の指標をまとめています。

本調査のハイライト

  • クレジッドカード負債の時効援用プロセス
  • 回転負債額
  • クレジッドカード与信枠
  • 消費者信用の延滞債権
  • 銀行のROA
  • 利率の予測

掲載企業

  • Bank of American
  • Chase
  • Citi
  • FICO
  • HSBC
  • LexisNexis Risk Solutions
  • Mastercard
  • Visa
目次

Expect more conservative credit card issuance in 2018 as the lenders face increased delinquency and rising interest rates

New Mercator Advisory Group presents leading U.S. credit card metrics for 2018, projects growth, and assesses credit risk.

Mercator Advisory Group's new research report The Credit Card Data Book: 12 Significant Indicators finds rising account delinquency and less profitability at credit card issuers in the United States, which is likely to lead issuers to tighten credit after a banner growth year.

More U.S. households are revolving credit card debt today than did before the recession, and contingent liability, the amount of open credit lines, will pass the previous high during 2018. Mercator Advisory Group cautions credit card issuers to be watchful of increases in account delinquency, which may further disrupt their profitability. Credit cards remain profitable for retail bankers, but reductions in non-interest revenue since the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the CARD Act) have disrupted the business model. Credit loss protection must be a top consideration for card issuers.

"The return on assets (ROA) indicator for credit cards slipped again during 2017 and is trending downward," commented Brian Riley, Director, Credit Advisory Service , author of this report. "Increases in delinquency will drive up costs and negatively impact credit losses, a major industry expense. Growth has been solid, but the basics of credit management are what will bring in profits for issuers during 2018."

This research report contains 23 pages and 14 exhibits.

Companies mentioned in this report include : Bank of American, Chase, Citi, FICO, HSBC, LexisNexis Risk Solutions, Mastercard, Visa

Members of Mercator Advisory Group's Credit Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

One of the exhibits included in this report:

image1

Highlights of the research report include:

  • The credit card aging process
  • Revolving debt
  • Open credit card account volume
  • Consumer credit delinquency
  • Bank return on assets
  • Projected interest rates
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