20XX年DownUpofCreditCardIndustryinKorea韩国信用卡业的启.pptVIP

Credit Card Industry in Korea Declining net income of credit card companies 信用卡机构净收入下降 2001 2002 2003.1 2,073 -218 -344 (million U$ 百万美元) Credit Card Industry in Korea Long term Remedies of the Regulators 监管层的长期补救措施 Credit Card Industry in Korea ◇ Harnessing on solicitation 规范信用卡营销行为 ? Prohibited solicitation at the street wagon 禁止街头推销行为 ? Prohibited solicitor to visit home without appointment 禁止营销员未预约随便登门推销 ? Prohibited offering economic benefit with solicitation 禁止以提供经济回报进行推销 ? Solicitors should register with the regulator 营销员应在监管部门登记 Credit Card Industry in Korea ◇ Put restraints on credit card membership 对信用卡会员资格进行限制 ? Cardmember should be 18 years old or more 持卡人应年满18周岁 ? Cardmember should have income or proper assets 持卡人应具有一定的收入和资产。 Credit Card Industry in Korea ◇ Strengthening guidance on sound management 加强指导和健全管理机制 ? Reintroduction of loan service ratio 重新引入放贷率 ? In calculating past due ratio, liquidated asset should be included 在计算逾期贷款率时，应包括流动资产。 ? In calculating adjusted capital ratio, 20% of liquidated asset should be included in the denominator 在计算可调整资本比率时，20％的流动资产应计入分母项。 Credit Card Industry in Korea ◇ Credit Counselling Recovery Service (founded in 2003) 信用咨询及复业服务中心（2003年设立） ? 1 out of 10 economically active population is registered as insolvent and the number was increasing 每十个持卡人中就有一人登记破产，并且这一数字还在不断增加。 ? Increasing personal insolvency not only hurts financial institutions profitability but becomes the reason of social unrest 破产人数增加不仅影响金融机构的盈利，还成为导致社会动荡的因素。 ? Financial companies co-founded CCRS to reschedule personal debts and help finding jobs for troubled people 金融机构共同出资建立公司信用评级制度，为个人重新安排债务，帮助困难群体就业。 ? Number of applications for debt reschedule 申请债务重新安排的人数 2003: 62,550 → 2004: 287,352 Credit Card Industry in Korea Afterwards 后来的情况 * Down Up of Credit Card Industry in Korea韩国信用卡业的启示 Dae Young Kim Financial Supervisory Service Republic of Korea 韩国金融监管委员会 Credit Card Industry i