Повышение доходности испанских финансовых компаний посредством увеличения потребительского кредита с использованием пластиковых карт (на англ. языке)

Abstract

The objective of this paper is to contrast whether the increase in credit for consumption using financial cards is a valid strategy to be developed by Spanish financial entities in an attempt to improve the profitability of their means of payment business and hence compensate the negative effect of the implementation of the agreement (2/12/2005) signed by the main merchants’ associations and financial entities represented by the three Spanish networks (Servired, 4B and Euro6000). The latter implies a considerable fall in the interchange rates that these entities apply on the use of financial cards in shops and therefore of the profits generated by this kind of business. = Исследуется эффективность потребительского кредитования населения. Показано, что стратегия увеличения кредита с использованием пластиковых карт повышает доходность объектов финансового бизнеса.