超级军网从美信用卡违约率创新高 信贷损失达700亿美元看美国经济 ...
来源：百度文库 编辑：超级军网 时间：2024/04/29 06:26:05
据新华社电美联社15日报道，美国信用卡违约率今年5月创下新高，意味着美国消费者在这场经济危机中仍压力重重。
美国各主要银行中，最大银行美国银行今年5月份的信用卡违约率从4月份的10.47%升至12.50%；占据美国四分之一信用卡发放市场的美国运通信用卡违约率从4月份的9.99%升至10.4%；花旗集团信用卡违约率升至10.5%；大银行中表现最佳的是摩根大通，其5月份信用卡违约率也从上月的8.07%上升至8.36%。
美联社报道，一些业内人士预计，美国信用卡行业今年面临的整体违约率可能超过10%，这意味着信贷损失高达700亿美元。
房贷、车贷、信用卡是美国对普通消费者的三大信贷模式，这三大信贷在很大程度上支撑了美国过去20年的经济繁荣。如今，房贷和车贷已经垮了，就剩下这个信用卡，如果09年只是10-11%的违约率，还不至于有太大问题，如果达到13%左右，情况就很微妙了。
一旦09年违约率达到13%，那么各大银行就不得不进一步控制信用卡的发放，这将微妙的影响美国消费者2010年的可支配资金，影响他们的购买力和消费信心，银行和金融系统的现金流通也将受此影响，最后使美国的经济形势出现新的不稳定因素。这对美国目前最脆弱、最刺激民众神经的就业率有密切关系，美国就业率不可避免的将因此的进一步增加。
当本已困难重重的美国信贷、消费、就业再遭受这样一次新的打击的时候，美国将失去迅速走出这次经济危机的最后机会，将出现长达4年左右的经济低迷。即使是4年后，经济和就业率的增长也难以快速恢复，或许美国也将迎来一个“失去的十年”。
到那一天甚至在那一天到来之前，美国政府做什么，怎么做将对事态发展有着深远影响，大规模的注资难以避免。而更多的有关改革和其他政策则难以预料。据新华社电美联社15日报道，美国信用卡违约率今年5月创下新高，意味着美国消费者在这场经济危机中仍压力重重。
美国各主要银行中，最大银行美国银行今年5月份的信用卡违约率从4月份的10.47%升至12.50%；占据美国四分之一信用卡发放市场的美国运通信用卡违约率从4月份的9.99%升至10.4%；花旗集团信用卡违约率升至10.5%；大银行中表现最佳的是摩根大通，其5月份信用卡违约率也从上月的8.07%上升至8.36%。
美联社报道，一些业内人士预计，美国信用卡行业今年面临的整体违约率可能超过10%，这意味着信贷损失高达700亿美元。
房贷、车贷、信用卡是美国对普通消费者的三大信贷模式，这三大信贷在很大程度上支撑了美国过去20年的经济繁荣。如今，房贷和车贷已经垮了，就剩下这个信用卡，如果09年只是10-11%的违约率，还不至于有太大问题，如果达到13%左右，情况就很微妙了。
一旦09年违约率达到13%，那么各大银行就不得不进一步控制信用卡的发放，这将微妙的影响美国消费者2010年的可支配资金，影响他们的购买力和消费信心，银行和金融系统的现金流通也将受此影响，最后使美国的经济形势出现新的不稳定因素。这对美国目前最脆弱、最刺激民众神经的就业率有密切关系，美国就业率不可避免的将因此的进一步增加。
当本已困难重重的美国信贷、消费、就业再遭受这样一次新的打击的时候，美国将失去迅速走出这次经济危机的最后机会，将出现长达4年左右的经济低迷。即使是4年后，经济和就业率的增长也难以快速恢复，或许美国也将迎来一个“失去的十年”。
到那一天甚至在那一天到来之前，美国政府做什么，怎么做将对事态发展有着深远影响，大规模的注资难以避免。而更多的有关改革和其他政策则难以预料。
美国各主要银行中，最大银行美国银行今年5月份的信用卡违约率从4月份的10.47%升至12.50%；占据美国四分之一信用卡发放市场的美国运通信用卡违约率从4月份的9.99%升至10.4%；花旗集团信用卡违约率升至10.5%；大银行中表现最佳的是摩根大通，其5月份信用卡违约率也从上月的8.07%上升至8.36%。
美联社报道，一些业内人士预计，美国信用卡行业今年面临的整体违约率可能超过10%，这意味着信贷损失高达700亿美元。
房贷、车贷、信用卡是美国对普通消费者的三大信贷模式，这三大信贷在很大程度上支撑了美国过去20年的经济繁荣。如今，房贷和车贷已经垮了，就剩下这个信用卡，如果09年只是10-11%的违约率，还不至于有太大问题，如果达到13%左右，情况就很微妙了。
一旦09年违约率达到13%，那么各大银行就不得不进一步控制信用卡的发放，这将微妙的影响美国消费者2010年的可支配资金，影响他们的购买力和消费信心，银行和金融系统的现金流通也将受此影响，最后使美国的经济形势出现新的不稳定因素。这对美国目前最脆弱、最刺激民众神经的就业率有密切关系，美国就业率不可避免的将因此的进一步增加。
当本已困难重重的美国信贷、消费、就业再遭受这样一次新的打击的时候，美国将失去迅速走出这次经济危机的最后机会，将出现长达4年左右的经济低迷。即使是4年后，经济和就业率的增长也难以快速恢复，或许美国也将迎来一个“失去的十年”。
到那一天甚至在那一天到来之前，美国政府做什么，怎么做将对事态发展有着深远影响，大规模的注资难以避免。而更多的有关改革和其他政策则难以预料。据新华社电美联社15日报道，美国信用卡违约率今年5月创下新高，意味着美国消费者在这场经济危机中仍压力重重。
美国各主要银行中，最大银行美国银行今年5月份的信用卡违约率从4月份的10.47%升至12.50%；占据美国四分之一信用卡发放市场的美国运通信用卡违约率从4月份的9.99%升至10.4%；花旗集团信用卡违约率升至10.5%；大银行中表现最佳的是摩根大通，其5月份信用卡违约率也从上月的8.07%上升至8.36%。
美联社报道，一些业内人士预计，美国信用卡行业今年面临的整体违约率可能超过10%，这意味着信贷损失高达700亿美元。
房贷、车贷、信用卡是美国对普通消费者的三大信贷模式，这三大信贷在很大程度上支撑了美国过去20年的经济繁荣。如今，房贷和车贷已经垮了，就剩下这个信用卡，如果09年只是10-11%的违约率，还不至于有太大问题，如果达到13%左右，情况就很微妙了。
一旦09年违约率达到13%，那么各大银行就不得不进一步控制信用卡的发放，这将微妙的影响美国消费者2010年的可支配资金，影响他们的购买力和消费信心，银行和金融系统的现金流通也将受此影响，最后使美国的经济形势出现新的不稳定因素。这对美国目前最脆弱、最刺激民众神经的就业率有密切关系，美国就业率不可避免的将因此的进一步增加。
当本已困难重重的美国信贷、消费、就业再遭受这样一次新的打击的时候，美国将失去迅速走出这次经济危机的最后机会，将出现长达4年左右的经济低迷。即使是4年后，经济和就业率的增长也难以快速恢复，或许美国也将迎来一个“失去的十年”。
到那一天甚至在那一天到来之前，美国政府做什么，怎么做将对事态发展有着深远影响，大规模的注资难以避免。而更多的有关改革和其他政策则难以预料。
外国人都生活在水深火热当中
失去的十年??要是真的，我们能得到多少技术和经验？？
所谓的"信用"卡,都是建立在没有信用的基础上的...
信用卡
消费起来，感觉没有底线阿，不直观
现金的话，可以控制消费
消费起来，感觉没有底线阿，不直观
现金的话，可以控制消费
米国人都生活在水深火热当中
霉国信用卡违约造成的信贷危机？
不是一直说会是引起第二波金融海啸的源头吗？时间估计就在今年下半年。
果然有点苗头了？:D:D
不是一直说会是引起第二波金融海啸的源头吗？时间估计就在今年下半年。
果然有点苗头了？:D:D
既非人又非鬼 发表于 2009-6-17 15:18 
同意人鬼的看法。小菜认为，现在各国竞相发布自己出现了所谓的经济复苏苗头，这些动作更多的是为了安抚民众，提振信心而已
在小菜看来，这场危机并没有见底，因为实体经济还没有经过大的调整，透支未来的经济发展方式不可长久
同意人鬼的看法。小菜认为，现在各国竞相发布自己出现了所谓的经济复苏苗头，这些动作更多的是为了安抚民众，提振信心而已
在小菜看来，这场危机并没有见底，因为实体经济还没有经过大的调整，透支未来的经济发展方式不可长久
:D:D这种文章读起来就有那么点滋味了。
U.S. Credit Card Defaults Soar to Record
Jun 16, 2009
http://seekingalpha.com/instablo ... ults-soar-to-record
Record credit-card defaults in the United States are set to expose severely under-capitalized U.S. banks. Along with soaring default rates in every category of U.S. debt, this will lead to the banker-beggars looking for more blank-cheques from their errand-boy, Tim-the-tax-cheat Geithner – later this year.
The default rate on credit cards for all, major U.S. financial institutions is either already above 10%, are quickly approaching that level, according to a Reuters article. Keep in mind that these are defaults not “delinquencies” - meaning that these losses will be showing up immediately on the balance sheets of the U.S. financial crime syndicate.
The big loser here is Bank of America. Its own credit card default rate soared to 12.5%!! The brain-dead investors who pumped yet more capital into this fraud-factory will see their investments essentially wiped out – as BoA's share price heads to a new low later this year.
This is the same financial institution which purchased mortgage fraud-king, Countrywide Financial – and the loan losses from this source can only go higher, as mortgage-resets hit their peak over the next two years (“U.S. mortgage-crisis to get MUCH worse in 2010-11”).
With Americans holding roughly $1 TRILLION in credit card debt, bank charge-offs on this one category of bad debt could approach $100 billion, this year alone – depleting most of the banksters loan-loss reserves. This leaves little left over for record losses on housing loans, and record losses on commercial loans.
What makes these numbers even more alarming is that seasonally, many U.S. households were receiving tax-refunds in this month – and thus “delinquencies” actually decreased slightly. Expectations are that this statistic will immediately revert to increasing levels in the months ahead.
As a result, there is every reason to expect credit card defaults to increase even more rapidly going forward. With average Americans cut off from any credit beyond their credit card limits (and with those limits being steadily reduced for many Americans), this horrific default-rate among credit card-holders can be seen as a proxy for consumer spending and consumer demand.
Those living in Ben Bernanke's fantasy-world of leprechauns, rainbows, and “green shoots” everywhere are about to suffer yet another severe shock. Unemployment continues to plummet downward, with the U.S. on track to lose more than 20 million jobs, this year alone (“U.S. economy to lose 20 MILLION jobs this year”). In addition, both hours of work and wages are also in steady decline.
As credit card limits are exhausted, things will begin to get nasty in the U.S. retail sector – yet another “bubble” in the U.S. economy. U.S. retailers over-expanded during the housing bubble, with excess capacity perhaps as high as 50%.
A consumer-economy with no savings and no available credit can do nothing except collapse. This is a downward spiral which the U.S. government has done nothing to arrest. Every job which is lost, every credit card-holder who defaults, leads to additional retail sector jobs being lost, meaning higher unemployment, higher defaults, and even less consumer spending – which then leads to even more job-losses, and on and on...
As I pointed out in a recent commentary (“The Death of the U.S. Consumer Economy”), U.S. retailers are already switching to survival mode – and what they see as their salvation is to focus on much more on-line retailing. This will lower costs for retailers because they require far fewer employees to sell their products on the internet.
All that the U.S. propaganda-machine has accomplished in temporarily reviving U.S. “consumer confidence” is to give millions of Americans who should be conserving their dwindling savings (for worse days ahead) false hope. Confidence means nothing in a consumer economy without spending power.
Just try to get your bank to lend you money, or increase your credit card limit simply because you are more “confident”.
:D:D这种文章读起来就有那么点滋味了。
U.S. Credit Card Defaults Soar to Record
Jun 16, 2009
http://seekingalpha.com/instablo ... ults-soar-to-record
Record credit-card defaults in the United States are set to expose severely under-capitalized U.S. banks. Along with soaring default rates in every category of U.S. debt, this will lead to the banker-beggars looking for more blank-cheques from their errand-boy, Tim-the-tax-cheat Geithner – later this year.
The default rate on credit cards for all, major U.S. financial institutions is either already above 10%, are quickly approaching that level, according to a Reuters article. Keep in mind that these are defaults not “delinquencies” - meaning that these losses will be showing up immediately on the balance sheets of the U.S. financial crime syndicate.
The big loser here is Bank of America. Its own credit card default rate soared to 12.5%!! The brain-dead investors who pumped yet more capital into this fraud-factory will see their investments essentially wiped out – as BoA's share price heads to a new low later this year.
This is the same financial institution which purchased mortgage fraud-king, Countrywide Financial – and the loan losses from this source can only go higher, as mortgage-resets hit their peak over the next two years (“U.S. mortgage-crisis to get MUCH worse in 2010-11”).
With Americans holding roughly $1 TRILLION in credit card debt, bank charge-offs on this one category of bad debt could approach $100 billion, this year alone – depleting most of the banksters loan-loss reserves. This leaves little left over for record losses on housing loans, and record losses on commercial loans.
What makes these numbers even more alarming is that seasonally, many U.S. households were receiving tax-refunds in this month – and thus “delinquencies” actually decreased slightly. Expectations are that this statistic will immediately revert to increasing levels in the months ahead.
As a result, there is every reason to expect credit card defaults to increase even more rapidly going forward. With average Americans cut off from any credit beyond their credit card limits (and with those limits being steadily reduced for many Americans), this horrific default-rate among credit card-holders can be seen as a proxy for consumer spending and consumer demand.
Those living in Ben Bernanke's fantasy-world of leprechauns, rainbows, and “green shoots” everywhere are about to suffer yet another severe shock. Unemployment continues to plummet downward, with the U.S. on track to lose more than 20 million jobs, this year alone (“U.S. economy to lose 20 MILLION jobs this year”). In addition, both hours of work and wages are also in steady decline.
As credit card limits are exhausted, things will begin to get nasty in the U.S. retail sector – yet another “bubble” in the U.S. economy. U.S. retailers over-expanded during the housing bubble, with excess capacity perhaps as high as 50%.
A consumer-economy with no savings and no available credit can do nothing except collapse. This is a downward spiral which the U.S. government has done nothing to arrest. Every job which is lost, every credit card-holder who defaults, leads to additional retail sector jobs being lost, meaning higher unemployment, higher defaults, and even less consumer spending – which then leads to even more job-losses, and on and on...
As I pointed out in a recent commentary (“The Death of the U.S. Consumer Economy”), U.S. retailers are already switching to survival mode – and what they see as their salvation is to focus on much more on-line retailing. This will lower costs for retailers because they require far fewer employees to sell their products on the internet.
All that the U.S. propaganda-machine has accomplished in temporarily reviving U.S. “consumer confidence” is to give millions of Americans who should be conserving their dwindling savings (for worse days ahead) false hope. Confidence means nothing in a consumer economy without spending power.
Just try to get your bank to lend you money, or increase your credit card limit simply because you are more “confident”.
将来 美国人 恨 O8M的 会 很多
超前消费观念带来的链式反应.
金融危机本来就不是我们的
既非人又非鬼
今年下半年是可能的，但推迟到明年也有可能，现在是不知道美国在09以来新卡债发行量减少了多少，有关银行采取了什么措施防范，美国政府在问题将出现或刚出现时采取什么措施应对。
今年下半年是可能的，但推迟到明年也有可能，现在是不知道美国在09以来新卡债发行量减少了多少，有关银行采取了什么措施防范，美国政府在问题将出现或刚出现时采取什么措施应对。
bjnr
下冰雹不是你的事，冰雹砸到你头上就是你的事了。
下冰雹不是你的事，冰雹砸到你头上就是你的事了。