樂天牌

2023年6月5日

信用卡公司出售更多的拖欠貸款82% Q1 2023.06.05 10:42:01 | 2023.06.05 10:43:44接收機(由樂天牌)韓國信用卡公司的逾期債券銷售飆升82%在第一季度較上年同期先發製人貨幣化拖欠貸款,由於不斷惡化的商業環境。數據顯示了人民力量黨議員Yoon Chang-hyun周日從金融監管服務,出售過期債券的利潤總和當地信用卡公司站在七點,1 - 3月的1945億韓元(合1.485億美元),較1067億年增長82.3%贏得了一年前同期。樂天牌公司第一季度售出644億韓元的逾期貸款,7家公司中最大的,其次是友利卡有限公司(584億韓元)和新韓卡有限公司(452億韓元)。出售過期債券相對較小的公司的傘下主要的企業集團,如三星卡片。(27億韓元)和現代卡有限公司(36億韓元)。卡用戶無法償還債務時,公司將這些債務作為貸款應收和寫他們賬上的損失,更確切地講是“保障信貸損失。“應收貸款,然而,不是貸款違約零值。公司可以選擇出售這些貸款銀行或機構購買不良貸款(不良貸款),包括韓國資產管理公司,或者他們也可以通過收集機構恢複欠他們的錢。應收銷售此類貸款的增加意味著信用卡公司第一季度選擇直接現金而不是潛在的長期利潤。此舉正值公司生活拮據。(圖片由韓聯社)”由於融資環境惡化,積極表現的書更重要對我們生存,”一名業內人士表示。整體商業環境不太可能改善在不久的將來,業內人士指出,信用卡貸款增長停滯,公司的主要收入來源,一直持續到第二季度。 The combined new card loans at the seven card companies reached 3.63 trillion won as of the end of April, down 15.1 percent from a year ago, according to data published by the Credit Finance Association. The decline comes partly due to the card companies having reduced their costs, but it is also attributed to the fall in the number of potential borrowers eligible for loans due to regulations on individuals‘ debt service ratio, industry insiders noted. The companies may also see an increase in their operating costs following the introduction of paid services for using the mobile payment system Samsung Pay. According to industry sources, Samsung Electronics Co. notified about 10 card companies in May that the automatic extension of Samsung Pay contracts would end. The industry believes that Samsung Pay is likely to charge card companies a fee now since Apple Pay’s launch in Korea in March. Some say that credit card companies need to find a completely new revenue model and criticize them for their complacency in the past on their traditional business of lending, which has made them vulnerable to changes in the external environment. “Card companies will have to switch their business model to be data-driven, from the traditional way of covering losses from credit sales with loans,” said Representative Yoon of the ruling party. [ⓒ Pulse by Maeil Business News Korea & mk.co.kr, All rights reserved] MON