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Profitability analysis of credit card

Author: ChengHaiBo
Tutor: YinXingMin
School: Fudan University
Course: Finance
Keywords: Credit card Revenue function model Least squares estimation Ridge Regression
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 414
Quote: 2
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Abstract


In recent years, the credit card industry in China has been rapid development of China's national economic development and improving people's quality of life has played a huge role in promoting, but the current domestic banking credit products in addition to China Merchants Bank, Guangdong Development Bank claimed to have achieved profitability and a few outside, Almost all of the remaining bank into a loss situation, a serious impediment to our credit card industry sustained and healthy development. This article is starting from this issue, the first use of cost-benefit theory and the theory of market competition on the credit card market in China's current profitability of the main factors affecting credit analysis reveals the cause of credit card loss was mainly due to insufficient income valid credit card, credit card marketing costs and risks of high costs. Which is the lack of effective credit income of revolving credit by the low rate, low commission rates and merchant banks in credit card annual fee waiver policy implementation due; while marketing costs and risks of credit is due to the high cost of issuing bank vicious competition and strict quality audit of the applicant caused. Based on this analysis, this paper establishes the function of credit card products revenue model, using the least squares estimation and ridge regression estimation methods, combined with historical data Merchants Bank credit card, credit card revenue function model for regression analysis. In regression analysis, using SPSS statistical software, first calculate least squares estimation regression equation regression equation and then test of significance, since the discovery of variable credit card volume, consumption volume and revolving credit multicollinearity between linear time, and further use of ridge regression estimation method to eliminate the multicollinearity between the independent variables on the impact of the regression equation in determining income ridge parameter function obtained after further ridge regression equation, which research methods through empirical analysis of credit card volume reached , consumption volume and revolving credit card balances is the impact of product revenue of the main factors and their respective impact on the credit card revenue. Finally, regression analysis is proposed to expand the scale valid credit card issuer, no annual fee implement appropriate policies; vigorously raise the revolving credit card usage; controlling credit card marketing costs, focusing on audit qualification of the applicant and other recommendations. Thereby improving the profitability of our credit card products, and promote sustained and healthy development of the credit card industry has contributed.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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