今日將發(fā)布的一份報(bào)告顯示，過(guò)去一年，中國(guó)的信用卡發(fā)行量增長(zhǎng)了逾一倍，中國(guó)正在形成信用卡文化。

咨詢公司麥肯錫(McKinsey)發(fā)布的報(bào)告顯示，中國(guó)內(nèi)地的信用卡普及率仍然遠(yuǎn)低于臺(tái)灣和香港等可比地區(qū)，從而為信用卡行業(yè)留下了巨大的發(fā)展?jié)摿?。?013年，該行業(yè)利潤(rùn)將達(dá)130億元人民幣(合17.3億美元)。

不過(guò)，跨國(guó)銀行仍然被禁止在中國(guó)內(nèi)地發(fā)行信用卡，而中國(guó)國(guó)內(nèi)銀行的信用卡業(yè)務(wù)也仍未實(shí)現(xiàn)盈利。

該行業(yè)的增長(zhǎng)潛力加大了中國(guó)政府的壓力，迫使其出臺(tái)外資銀行期待已久的規(guī)定，允許它們?cè)谥袊?guó)內(nèi)地發(fā)行信用卡，從而兌現(xiàn)中國(guó)在加入世貿(mào)組織(WTO)時(shí)做出的在2006年底之前向外資提供“國(guó)民待遇”的承諾。

分析師表示，中國(guó)政府正在保護(hù)內(nèi)地銀行在這個(gè)初生行業(yè)中的利益，但預(yù)計(jì)很快就將向匯豐銀行(HSBC)和花旗銀行(Citibank)等外國(guó)銀行業(yè)集團(tuán)開(kāi)放市場(chǎng)準(zhǔn)入。目前，這些外資銀行僅獲準(zhǔn)與中國(guó)內(nèi)地合作伙伴發(fā)行聯(lián)名信用卡。

過(guò)去數(shù)年，中國(guó)政府一直鼓勵(lì)發(fā)展消費(fèi)信用行業(yè)，以促進(jìn)私人消費(fèi)，同時(shí)平衡中國(guó)嚴(yán)重依賴固定資產(chǎn)投資的快速經(jīng)濟(jì)增長(zhǎng)。

報(bào)告估計(jì)，過(guò)去4年，中國(guó)內(nèi)地真正意義上信用卡的數(shù)量每年都實(shí)現(xiàn)了翻番，截至今年年中達(dá)到4300萬(wàn)張左右。

隨著必需的支付基礎(chǔ)設(shè)施在全國(guó)迅速擴(kuò)張，中國(guó)消費(fèi)者使用信用卡購(gòu)買(mǎi)商品和服務(wù)的數(shù)量正迅速上升?？忌绻伦约哄e(cuò)過(guò)考試報(bào)名時(shí)間和考試時(shí)間的話，可以 免費(fèi)預(yù)約短信提醒，屆時(shí)會(huì)以短信的方式提醒大家報(bào)名和考試時(shí)間。

參考譯文

The number of credit cards in circulation in China has more than doubled over the past year to more than 40m as a credit culture begins to take shape in the country, according to a report released today.

Penetration rates remain well below those in comparable societies like Taiwan and Hong Kong, leaving huge potential for an industry that should provide Rmb13bn ($1.73bn) in profits by 2013, according to the report from McKinsey, the consultancy.

But international banks re- main barred from issuing credit cards in China and the card business is still unprofitable for domestic banks.

The sector’s growing potential increases pressure on Beijing to implement long-awaited rules allowing foreign banks to issue cards, in keeping with its World Trade Organisation accession commitment to provide “national treatment” by the end of 2006.

Analysts say the government is protecting domestic banks in the fledgling sector but is soon expected to open it to foreign banking groups such as HSBC and Citibank, which are now only allowed to offer co-branded cards with domestic partners.

For the last few years Beijing has encouraged the creation of a consumer credit industry to promote private consumption and rebalance China’s rapid economic growth, which relies heavily on fixed asset investment.

The report estimates the num- ber of true credit cards in China doubled for each of the last four years to reach about 43m by the middle of this year.

As the necessary payment infrastructure expands rapidly across the country, Chinese consumers are using credit cards to pay for an increasing array of goods and services.

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