Bad credit cards of the four major banks increased or reached 5 billion. Shanghai Pudong Development Bank launched a counterattack.

Recently, the annual reports of major banks have been released. As expected by the market, the non-performing loan ratio of major banks has increased significantly, among which the "contribution" of credit card business is particularly noteworthy.

According to the statistics of the Securities Daily reporter, the non-performing credit card loans of the four major banks increased or reached 5 billion yuan last year, much higher than the growth rate of housing loans and consumer loans in personal loans.

In addition, our reporter also found in recent unannounced visits that illegal cashing of credit cards has been put on the table from the previous secret operation, and the cashing tools are no longer limited to basic credit card swiping tools such as POS machines. More and more small and simple cash-out tools with extremely low threshold are circulating in the market, and ordinary people can easily buy such products in e-commerce and other channels. What's more, part of the cash is used to invest in the stock market, which obviously increases the capital risk.

There is no limit to cashing in funds to buy wealth management.

* * card reader supports most bank credit cards, T+0 arrives, and a single card can cash out 30,000. In a QQ group on credit card cashing-related topics, such news keeps refreshing the screen. The only difference is that the rates of different brands of credit card readers are slightly different.

Our reporter contacted a salesperson at random, and he introduced it to the reporter in great detail without any concerns. This person told reporters that their products can be swiped by chip card or magnetic stripe card, and the card swiping rate is 0.49% or capped in 35 yuan, so the card swiper can choose freely, and the payment methods of T+ 1 and T+0 can also choose freely. If you need money urgently on Saturday and Sunday, you can pay a certain handling fee for urgent settlement. Finally, the person also promised to reporters that their products are settled through formal channels, and they have cooperation with various banks. If there is demand, they can buy with confidence.

On a large e-commerce platform, the reporter searched for "card artifact" and immediately recommended a bunch of similar products. Some merchants even advertised mobile UnionPay credit card POS machines, and the prices of these machines ranged from 50 yuan to 100 yuan. An online shop with the largest sales volume, more than 300 people recently bought this machine.

The online store customer service said that this card-lifting artifact can also get points from the bank and increase the credit card limit. If the initial limit is low, you can swipe your card for 50 thousand yuan or more on the machine all year round. In addition, the background can also automatically switch merchants, which has the advantage of making the bank look like customers are spending in different places. In other words, what the bank sees from the cardholder's consumption bill is a series of consumption records in different places, so the bank will naturally not conduct compliance investigation. The customer service also reminded reporters that if you cash out, you can cash out up to30,000 yuan at a time.

In some forums to exchange experiences in using credit cards, our reporter found that many people cashed out for P2P investment or stock trading, and some people said that cashing out with credit cards has already achieved a rich return on investment. One of them said that using the interest-free period of credit cards, one credit card cashed in 30,000 yuan and five credit cards 654.38+0.5 million yuan, which can be used for stock investment. When the market is good, it is not a problem to earn 654.38+0.5% a month.

Xiao Zhao, a "professional" who has been immersed in credit card cashing for many years, said that some time ago, using credit card cashing to make P2P investment was a sure-fire business. The so-called credit card investment in P2P is actually to use the time difference of interest-free period of credit card to move funds. Generally speaking, the interest-free period of credit cards is about 50 days. Investors first use credit cards to recharge their wealth management accounts through third-party payments, and then choose projects with a maturity of less than 50 days to invest.

"The P2P market is relatively stable and funds are free to enter and leave. Although many P2P products are medium and long-term, they can also be bought and sold quickly in the secondary market, so that they can return empty-handed. Calculated by RMB 6,543,800+,the annualized rate of return of P2P products is about 12%, the monthly rate of return is 1%, and the monthly rate of return is 65,438+. Xiao Zhao said frankly.

However, our reporter browsed a number of P2P online lending platforms and found that with the recent tightening of supervision, most well-known platforms have stopped using credit cards to recharge their platforms, while many unknown platforms, the reply given by customer service is that credit cards can be used to recharge. The customer service said that as long as you choose a third-party payment platform, you can choose a credit card to recharge and support many banks.

In fact, in June last year, the central bank issued "Risk Tips for Payment Business-Intensifying Audit, Improving Management Level and Preventing Risks of Online Credit Platforms", requiring commercial banks and payment institutions not to open credit card acceptance functions for investment and financing commercial institutions such as online credit platforms, and payment institutions not to open payment accounts for them for investment and financing activities such as online credit.

The China Banking Regulatory Commission has also promulgated the Notice on Issues Related to Credit Card Business of Commercial Banks, which clearly stipulates that personal credit card overdrafts of commercial banks should be used in the consumption field, but not in non-consumption fields such as production, operation and investment.

However, a person in charge of an online lending platform told this reporter that few platform investors choose online banking payment channels and more choose third-party payment companies. In order to seize market share, most of these companies turned a blind eye to the existing problems.

The non-performing loan ratio will increase by up to 50%.

According to the data of the central bank, by the end of 20 14, the cumulative number of credit cards issued was 455 million, an increase of 16.45% compared with the end of 20 13. However, the non-performing loans generated by credit card business are also deteriorating, and the total outstanding credit of credit cards overdue for half a year is 35.764 billion yuan, an increase of 65.438 compared with the end of 20 13.

The latest annual report data of listed banks also show that in 20 14 years, the bad debts of credit cards were high, and the non-performing loan ratio of some banks even increased by more than 50%. A person from the credit card center of a large state-owned bank admits that credit card cashing used to be a small-scale behind-the-scenes behavior, but now it has been publicly traded. The main reason is that the cost of violation is relatively low, and the efforts made by banks also need the cooperation of third-party payment companies to be effective.

Our reporter checked the data and found that among the major banks, the non-performing loan balance and non-performing loan ratio of credit card business under personal loans rose the fastest. Take the four major behaviors as an example. Last year, the new non-performing loans of credit cards exceeded 5 billion yuan.

In 20 14, the credit card loan balance of China Construction Bank was 32.91100 million yuan, and the non-performing loans were 2.783 billion yuan, with an increase of 654.380 billion yuan. The non-performing loan ratio also rose from 0.66% at the end of last year to 0.85%.

The growth of non-performing loans of ABC's credit cards is more obvious. At the end of 20 13, the figure was 2.25 billion yuan, accounting for 2.6% of the total NPLs, and the NPL ratio was only 1. 16%. At the end of last year, non-performing loans of credit cards soared to 3.866 billion yuan, accounting for 3 1 of the total non-performing loans.

The balance of non-performing loans of credit cards in China Bank increased by nearly 654.38+0.7 billion yuan a year, much higher than the growth rate of non-performing loans of housing mortgage loans, accounting for 5.29% of personal non-performing loans.

The above-mentioned three major state-owned banks added more than 4.3 billion yuan in non-performing credit card loans. Although ICBC has not released specific credit card data, its personal non-performing loan data growth is also amazing. In 20 14, the balance of personal non-performing loans of ICBC increased by1200 million yuan, and the non-performing loan ratio also increased from 0.75% to 1.05%. The management of ICBC also indicated that it will strengthen the collection management of overdue credit card loans, optimize and adjust the collection strategy, and further strengthen the collection of non-performing credit card loans. In other words, if you count the relevant data of ICBC, it is a high probability that the non-performing loans of credit cards of the four major banks increased by more than 5 billion yuan last year.

Pufa launched a counterattack against the bumper harvest.

Recently, the Credit Card Center of Shanghai Pudong Development Bank issued the "National Collection Conference" to collect effective contact information of existing customers with serious overdue from the public. According to the 20 14 annual report of Shanghai Pudong Development Bank, the bank's personal non-performing loans increased by 145 billion yuan last year, an increase of nearly 60%.

According to statistics, there are 1349 seriously overdue customers, which are distributed in Beijing, Tianjin, Shanghai, Jiangsu, Shandong, Liaoning, Sichuan and other places. Most overdue amounts are between RMB 20,000 and RMB 60,000, and the maximum overdue principal is RMB 6,543,800+RMB 2,000. According to rough statistics, these serious overdue amounts are about 60 million yuan.

Pudong Credit Card Center also provides some material rewards: during April/KLOC-0 to June 30, if someone provides effective contact information to urge seriously overdue customers to repay successfully, they can get rewards from the credit card center according to the repayment voucher, including paying 4% of the actual repayment amount of overdue customers in the form of credit card payment, with a maximum of 5,000 yuan.