[問題] 銀行如何靠信用卡獲利?
卡板板友好:
想請問一般民眾若辦理大量信用卡,但卻幾乎不用,對銀行有何利益?
目前查到的銀行獲利手段,幾乎是「持卡人消費」後才有的,如:
1. 向店家收刷卡手續費
2. 向沒繳全額、有息分期、借現金的持卡人收循環利息或違約金
3. 向持卡人收年費或快速辦卡手續費
(第2~3項以台灣人消費習慣似乎只收得到少數人的?)
4. 向持卡人收外國交易、政府及公用事業費用等手續費
5. 企業形象 (非實質獲利)
6. 客戶黏著度及使用其他金融商品的潛力 (非實質獲利) ← 感謝板友補充
但對銀行來說,信用卡業務似乎有很多支出,如:
1. 因業務而增加的人事支出
2. 製卡費、網站平台建置及維護支出
3. 與國際發卡組織、聯名組織、卡面圖案版權的授權費支出
(不確定是哪一方付錢)
4. 紅利、現金回饋、優惠活動支出
(不確定優惠是銀行或是店家提供)
5. 持卡人消費至繳費期間損失的現金流 (非實質支出)
6. 遭欠卡費而列為呆帳的風險 (非實質支出)
比較收入 vs 支出後,信用卡對銀行似乎是弊大於利,
但我又認為銀行絕不可能做賠本生意,
故是否在獲利面我有遺漏什麼,導致得出弊大於利的結論呢?
由於自己對銀行如何運作並不了解,只能很膚淺去想,還請板友見諒。
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都上班當社畜了哪來期末作業啦 XD
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這點我也有想過,但想到若能拓展客源,那這損失似乎就不算太大了。
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