Credit full tightening part of banks transiting credit card curve lending

Information picture credit overall tightening, most banks of personal loans, consumer loans are not easy to be approved over the calendar year.　　In this context, a bank to launch the longest three-year credit card prepaid cash business, customers as long as the telephone recognition, the fastest day can be in their name debit card from the bank to obtain cash remittance. Three-year loans per annum 7% Citizens Huang recently received a joint-stock bank credit Card center to promote the business of the call, "as long as I recognized on the phone, you can increase the credit card line, increase the amount of 80% can be transferred to the debit card to take out to use (generally speaking,　　The amount of cash that can be lent is equal to the amount of credit before the increase). This is called "Free to borrow" credit card loan business, is the bank through the interbank transfer or cross-bank transfer, the customer hold credit card credits to the customer's debit card, the customer through the form of credit card instalments monthly cash repayment.　　The stage number is 3~36 period, the shortest 3 months, the longest 3 years.　　To lend out 10,000 yuan, if divided into 12, monthly 0.61%, the total cost of one year is 732 yuan (equivalent to about 7% per annum), and if the 36 period, monthly 0.72%, three year total total cost is 2592 yuan, the average borrowing cost is 864 yuan.　　Bank "curve" lending? Interestingly, the banks that launched the credit card lending business are now "more tightly stuck" to personal consumer loans and personal mortgages.　　Why are bank credit lines so tight that credit card centres are eager to "lend in disguise" to their clients? "The regulator's credit-card center is currently limited to capital, with no asset limits, meaning there is little limit to the amount of credit to be granted as long as the capital adequacy ratio is met." "Industry analysts said.　　In other words, "curve lending" through credit cards is a convenient way for banks to get loans to customers.　　It is understood that the current credit card business is divided into branch operations and the central management of the two models, at present, the headquarters of the central management of credit card center to limit the number of credits, the branch operating credit card center credit line is restricted by the branch line. However, a joint-stock bank credit card company insiders also pointed out that the credit card companies do not have deposits, its funds are from the head office to borrow, credit card actual consumption and take the small loans, the monthly account of the Bank of the loan scale, by the banks of loans and deposits than red line constraints. Oriental