According to the report "Overall Operation of Payment System in 2020" issued by the central bank, by the end of 2020, 8.954 billion bank cards had been issued, a year-on-year increase of 6.36%. In addition to bank cards, there were12.536 billion new bank accounts nationwide, and personal bank accounts and corporate bank accounts maintained steady growth. It is reported that according to China's population of 654.38+04 billion, each person has an average of 8.90 bank accounts and 6.40 bank cards.
In the environment of leading consumption, the number of people using credit cards is also increasing. According to the overall report of the central bank in the fourth quarter of 2020, the number of credit cards issued is 778 million. In other words, 5 out of every 10 people have credit cards. In addition to credit cards, many people choose various lending software online, such as "Ant Flower Shop" and "JD.COM". COM white stripes are well known to many people, and what's more, they have reached into the "hole" of online loans.
With the improvement of living standards, online loans have gradually penetrated into every corner of life. Online lending is very "energetic" for young people. First, because contemporary young people "compare", in order to satisfy vanity, they do not hesitate to borrow money from major online lending platforms. The second is because the threshold for borrowing money is very low, even close to zero; On the other hand, the negative effects of online lending far outweigh the benefits.
Under the impact of special public health events in 2020, most people in our country are out of school. When we lose a stable source of income, we have to pay off the debts we owe, but we don't have that much money to turn around. At this time, many people thought of "raising cards with cards" and "raising loans with loans".
Especially after 1990s, the per capita debt exceeded 6.5438+0.2 million yuan. With the penetration of various credit products, 86% of young people are already using various credit products. It is reported that the online loan utilization rate is 60.9% and the credit card utilization rate is 45.5%. In order to prevent personal debts from "shocking people" and thus entering the blacklist of credit information, many people "opportunistic" and use online loans and credit cards to "do both".
As we all know, the overdraft limit of credit cards is generally high, which leads many young people to use credit cards without restraint. By 2020, the total credit card overdraft announced by the central bank has reached nearly 900 trillion yuan. Faced with a huge amount of overdue debt, many people will be confused. Why do banks prefer to only initiate collection rather than prosecute when credit cards are overdue? Is there any reason?
In response to this problem, insiders told us the "truth" that banks are unwilling to sue.
Bank charges are very high.
There are countless overdue objects of credit cards in China. Suppose a bank has a 5% overdue phenomenon, which means that the bank may have hundreds of thousands of overdue objects. If the bank wants to sue all overdue objects, it will not only face a long prosecution period, but also a high litigation cost.
Due to the consideration of time and economic cost, banks will not easily initiate collection for customers, and banks will only consider initiating collection unless customers are overdue for too long and the amount owed is too large.
The cost of collecting the company is low.
In the face of overdue credit cards, banks usually find collection companies to package them for collection activities. Compared with the collection initiated from inside the bank, the third-party collection company often has its own collection process, and the cost of appointing a collection company is also very low. However, when the collection company fails, the bank will sue the overdue object to the court.
The creditor's rights are packaged and sold to asset management companies.
When the bank is faced with too many overdue debts, it can choose to "package" all overdue debts into an asset package, and the bank will discount the debt asset package by half or three times and resell it to the asset management company. When the creditor's rights change hands, the asset management company is responsible for recovering from the overdue cardholder.
To sum up, the "cost" of bank collection is too great. In short, "it is not worth the loss." Although credit cards now make our consumption more convenient and fast, don't forget that overdue credit cards will be blacklisted. To make matters worse, you may become an old lai. At that time, you will not only defile your personal credit, but also bring trouble to your family.
Therefore, when we use credit cards, we should remember to "do what we can" and refuse "inexhaustible". After using a credit card, you must remember to pay back the arrears in time so as not to affect individuals or banks.
Do you have the habit of spending in advance? Do you usually use flowers or white stripes? Welcome to leave your opinion.