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回顾2013年,我国信用卡产业走过了不平凡的一年。尽管受到经济增速放缓、行业风险暴露、商户收单手续费下调、互联网金融冲击等影响,信用卡产业在各发卡行的共同努力下,仍实现了较快增长。2013年三季度末,信用卡发卡量同比增长18.4%,贷款余额同比增长69.5%,资产质量稳定向好,信用卡消费额在社会零售总额中的占比进一步提升。可以说,我国信用卡产业正处于黄金发展期,不仅信用卡自身的发展成果有目共睹,更重要的是其对经济增长的贡献日益凸显,起到了很好的“推进剂”和“稳
Review 2013, China’s credit card industry has gone through an extraordinary year. Despite the slowdown in economic growth, exposure to industry risks, the downward adjustment of business receipt fees and the impact of Internet finance, the credit card industry still achieved rapid growth with the joint efforts of various card issuing banks. As of the end of the third quarter of 2013, the issuance of credit cards increased by 18.4% over the same period of last year, while the balance of loans increased by 69.5% over the same period of last year. The asset quality was stable and the credit card spending accounted for a further increase in the total retail sales. Can be said that China’s credit card industry is in the golden period of development, not only credit card’s own development achievements for all to see, more importantly, its contribution to economic growth has become increasingly prominent, played a very good ”propellant“ and ”stable"