| Abstract: | In recent years, consuming finance has become one of the major profit sources of banks. Among them, small credit loan, credit card and cash card have become the main products to be promoted. By doing so, banks hope to obtain more business opportunities, and the growth of cash cards is far more fast. In addition, the cash card extremely similar to goods quality of the credit card and has complementarity, make every bank introduce the business of credit cards and cash cards. the card bank is in order to open up the business, it is strict to verify incompletely, Cause a person to have many cards , the holder does not know how to weigh one's own financial situation and adjust Speed expanded of the personal credit, cause oneself debt. bad debt of the bank to be too much, have formed the debt storm of the card .
this research use unobtrusive measures to probe into the relevant card debt question in four respects that the debt consultation mechanism, circulation interest rate of the bank, individual reorganization, asset management corporation and propose solving the suggestion of the debt problem of the card.
The results :
?1?It is comparatively rational for the circulation interest rate of the bank of our country to compare with various countries, if adjust and lower the interest rate, not only can not solve the debt problem of the card but also cause influence on the economy and society of our country.
?2?The debt consultation mechanism can not solve the problem of the high debt group, and this mechanism regulation is too loose, it is apt to be abused by the speculator.
?3?Observing America and Japan can solve the financial crisis and bankrupt too much problem of personal credit smoothly, establishment of the debt consultation mechanism and individual reorganization is all very key factors.
?4?This research is thought to solve the problem of the card debt, need to establish the debt consultation mechanism with independent character rapidly, manage company's fund sufficiently, can receive debts of the hign debt group, and because have independent character, will be more efficient. |
