中国 Removes Restrictions on Credit Card Overdraft Rates for over 700 Million Card Holders

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中国’央行取消了信用卡透支利率的限制,这对该国造成了重大影响’的利率环境。

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)。

该通知指出,从2021年1月1日起,信用卡透支利率的上限和下限将被取消,发卡机构和持卡人可以自由协商利率。

根据现行法规,在该通知发布之前,信用卡年度透支上限为18%,下限为12.6%。

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 .

“作为消费贷款的主要手段,信用卡的利率定价也应更加基于市场。”

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.

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