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The study discusses the marketing results of credit card issuance, the difference of risk control, and the influence on bank financial performance between public and private banks after dual card storm. Using t test and regression analysis, the study provides the following conclusions: In the statistics of marketing results, the finding indicates the private banks are higher than public banks, including number of valid cards, active cards ratio, the average sum charged in credit cards, and the total sum charged in credit cards. In the part of risk control, private banks are better than public banks in the amount of credit card cash advances, three months non-performing loan ratio, the debit amount on that month from credit cards and write-off amount of credit card. In the part of bank financial performance, it has positive influence on equity ratio, ratio of credit, monthly amount of cash advance of credit card, average revolving credit line and active cards ratio while negative influence on the ratio of loan loss provisions, the ratio of non-performing loan and the debit amount on that month from credit cards. Public banks’ financial performance is better than private banks’.
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