我国信用卡消费金融运行的案例研究

文章对我国信用卡消费金融采用案例研究的方法，采用银行大样本数据做了四个方面的因素分析。结果表明，一是宏观消费水平提高，特别是境外消费增加；二是收入来源主要是循环客户；三是逾期情况可控；四是宏观风险引起高度关注。文章最后给出了控制信用卡消费金融宏观风险的相关政策建议。

Case Study of China's Credit Card Consumer Finance

The paper analyzed four factors in case study of China's consumer finance in credit card by using large samples of a bank.The results indicate that: first,the level of macro consumption is higher than before,especially the overseas consumption;second,the main profits are from revolving clients;third,delayed payments are limited;fourth,there are lots of concerns about macro credit card risks.Finally,the paper gives out some policy implications in controlling risks in credit card consumer finance.