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Profitable credit card business empirical analysis of factors

Profitable credit card business empirical analysis of factors
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摘要 Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China's relatively low profitability of the credit card business, it accounts for a smaller proportion of total bank income. By means of credit card revenue/cost structure analysis, the authors found spending and overdraft balances affecting credit card business, an important factor in profitability. At the same time, combined with a commercial bank's existing statistical data, using SPSS software correlation and regression analysis, the authors found that the key to improve the bank card revenue is to raise China's commercial banks, credit card revolving credit utilization, and expand the scale of overdraft balances.
出处 《Chinese Business Review》 2009年第10期33-37,24,共6页 中国经济评论(英文版)
关键词 credit card profit factor revenue/cost structure CORRELATION 盈利能力 信用卡 实证分析 业务 商业银行 SPSS软件 结构分析 统计数据
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