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クレジットカードデータブック (2020年):好調が今しばらくは続く見通し

The 2020 Credit Card Data Book: Good Times Roll a Bit Longer

発行 Mercator Advisory Group, Inc. 商品コード 926174
出版日 ページ情報 英文 29 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=110.07円で換算しております。
クレジットカードデータブック (2020年):好調が今しばらくは続く見通し The 2020 Credit Card Data Book: Good Times Roll a Bit Longer
出版日: 2020年02月19日 ページ情報: 英文 29 Pages
概要

多くのクレジットカード発行会社にとって2019年は失業率・インフレ率が低く、金利マージンもかつてなく高く、回収成果は良好であり、総口座数もわずかに増加するなどの条件が整い、成功の年となりました。経済的潮流が変わらないとすれば、2020年も若干の収益成長を見込める可能性があると伝えられています。しかし経済的転換のリスクに備え、発行会社は対策を講じる必要があります。

当レポートでは、クレジットカード業界の近年の動向を調査し、発行会社が経済の転換期におけるリスクを最小限に抑える対策を構築できるよう、クレジットカードの回転債務、世帯負債構成、ROA、金利マージンなど、関連する重要メトリクスを示します。

調査内容のハイライト

  • 2020年に注目すべき主要産業メトリクス
  • 回転債務の増加
  • クレジットカード平均債務
  • クレジットカード総資産利益率
  • 融資組成・アクティブアカウント総数
  • 数兆ドル規模のクレジットカード偶発負債
  • 金利マージン
  • 世帯負債負担

掲載企業・組織

  • ACI Worldwide
  • Bank of America
  • Chase
  • Citi
  • Federal Reserve System
  • FICO
目次

Credit card profits are back, but issuers must protect against the inevitable economic shift.

Mercator Advisory Group updates annual Credit Card Data Book with projections through 2023.

2019 was a banner year for many credit card issuers, as the stars aligned. Unemployment and inflation were low, interest margins were at a peak, collection results were favorable, and total open accounts grew slightly. And according to Mercator Advisory Group's new report, ‘The 2020 Credit Card Data Book: Good Times Roll a Bit Longer’, 2020 will likely be slightly better, and more profitable, assuming the economic tides do not turn.

“Credit card risk is fragile right now. Times have been good, but that “sooner or later” economic shift draws closer every month. Use Mercator's 2020 Credit Card Data Book to see where sensitivities exist,” comments Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group, the author of this research report. “As an example, if there is a sudden shift, warning bells will ring at credit card issuers and they will quickly tighten credit to protect their balance sheets. As that happens, delinquency will start to climb. This ends up as high credit losses and increased non-interest expense.” Riley continues: “Right now, infrastructure and credit management are as important as portfolio growth. Risks are higher than ever, and issuers must ensure that their credit management policies and systems are ready to react. Overflow and diversion strategies, champion/challenger testing, and a battle-ready credit management team are the order of the day.”

This document contains 29 pages and 20 exhibits.

Companies and other organizations mentioned in this research report include: ACI Worldwide, Bank of America, Chase, Citi, Federal Reserve System, and FICO.

One of the exhibits included in this report:

Highlights of the research report include:

  • Key industry metrics to watch in 2020
  • Growth in revolving debt
  • Average credit card debt
  • Credit card return on assets
  • Originations and total active accounts
  • Trillions of dollars in contingent credit card liability
  • Interest rate margins
  • Household debt burdens