This article comes from the WeChat public account: Xinliu Finance (ID: xinliucaijing) , author: Lee meters from the title figure: vision China
The steep decline of credit card issuance is intuitively reflected in the income of most salespersons.
“In February, I only received a basic salary of 2,000 yuan.” Affected by the epidemic and not fully reinstated, the credit card offline account manager who was unable to expand his business fell into a dead end.
However, the cold winter experienced by credit card practitioners is far from over.
A bank credit card sales confessed that years ago, he had a monthly salary of more than 20,000 yuan in Beijing, but since this year, it is very difficult to get a monthly salary of 10,000 yuan.
Many practitioners believe that the epidemic is just a catalyst. Under the circumstances of online mutual financial attack, the credit card in the traditional financial field has developed so far, and the time for a real breakthrough is now.
Credit card risk continues to rise, and sales are deducted according to customer quality
Reducing interest rates and increasing quotas, the bank ’s online consumer loan business is fierce, but credit cards seem to be “cooling down”.
At present, what the bank credit card center has to face is that the risk of credit card overdue has soared, and the risk has gradually been revealed since February.
A large-scale joint-stock bank card center practitioner revealed that since this year, the overdue amount of their bank’s M3 ～ M11 period in a northern city has increased by 25% compared with the previous year. In May of this year, the bank’s new NPL ratio exceeded 2.4% in a second-tier city. At the end of last year, this number had exceeded 5%.
According to the calculation of the head office, if the overall loan non-performing loan rate of the bank’s credit card center is greater than 5 points, it means that all the profits since the establishment of the credit card center