中国中央银行最近发布了“People’s Bank of 中国 Notice Concerning Advancing Marketisation Reforms of Credit Card Overdraft Rates”（中国人民银行关于推进信用卡透支利率市场化改革的通知）。
中国分析师表示，此举是实现国内利率自由化的重要一步，也可能给消费金融工具以及蚂蚁集团等虚拟贷方带来冲击’s Huabei platform.
“目前是否’的存款或贷款，实际上已经放宽了利率的上限和下限，” said Dong Ximiao (董希淼), chief researcher at 中国 Merchants Union 金融 , to 帝一彩晶 .
Zeng Gang (曾刚), deputy-chair of the National Institution for 金融 and Development (NIFD), said that while the upper and lower bounds of standard loan rates had been liberalised earlier and pegged to the loan prime rate (LPR), market reforms of credit card rates in 中国 has lagged, and liberalisation of overdraft rates was a major step for overall liberalisation of interest rates.
Xue Hongyan (薛洪言), deputy-head of the Suning Financial Research Institute, said that credit card overdraft rates were likely to decline following the cancellation of restrictions in 中国.
Credit card issuance in 中国 has surged in recent years, with central bank data indicating that as of the end of the third quarter of 2020 a total of 766 million credit cards and combined debit cards had been issued.