超级财经 SuperFinance on Nostr: ...
信用卡业务为何蓬勃发展？信用卡债务正在迅速累积：拖欠率刚刚达到3.25%，为2011年12月以来的最高水平。与此同时，全球最大的信用卡公司Visa的价值自那时以来增长了十倍。普通民众的债务和华尔街的收益之间的差距比以往任何时候都要大。
Why is the credit card business thriving? Credit card debt is accumulating rapidly: the delinquency rate has just reached 3.25%, the highest level since December 2011. At the same time, Visa, the world's largest credit card company, has seen its value increase tenfold since then. The gap between Main Street's debt and Wall Street's gains is wider than ever.
这是另一个视角：2011年，Visa的收入为95 亿美元。到2024年，收入将飙升至350亿美元。承担和偿还债务的人数量明显增加。如果你是Visa，你愿意看到90亿美元收入的拖欠率为2%，还是350亿美元的拖欠率为3.25%？我们会选择350亿美元。
Here's another perspective: in 2011, Visa's revenue was $9.5 billion. By 2024, revenue has surged to $35 billion. A significantly larger number of people are taking on and repaying their debt. If you were Visa, would you prefer a 2% delinquency rate on $9 billion in revenue or a 3.25% delinquency rate on $35 billion? I would choose the $35 billion.
Why is the credit card business thriving? Credit card debt is accumulating rapidly: the delinquency rate has just reached 3.25%, the highest level since December 2011. At the same time, Visa, the world's largest credit card company, has seen its value increase tenfold since then. The gap between Main Street's debt and Wall Street's gains is wider than ever.
这是另一个视角：2011年，Visa的收入为95 亿美元。到2024年，收入将飙升至350亿美元。承担和偿还债务的人数量明显增加。如果你是Visa，你愿意看到90亿美元收入的拖欠率为2%，还是350亿美元的拖欠率为3.25%？我们会选择350亿美元。
Here's another perspective: in 2011, Visa's revenue was $9.5 billion. By 2024, revenue has surged to $35 billion. A significantly larger number of people are taking on and repaying their debt. If you were Visa, would you prefer a 2% delinquency rate on $9 billion in revenue or a 3.25% delinquency rate on $35 billion? I would choose the $35 billion.