美国运通(AXP)首席财务官近日就信用卡利率上限提案发表评论,表示公司虽然认同提升消费者可负担能力的核心理念,但质疑单纯设定利率上限能否真正实现这一目标。
该高管指出,信用卡定价机制需综合考虑风险管控、服务成本及市场竞争力等多重因素。强制设定利率上限可能导致金融机构收紧信贷标准,反而削弱部分消费者获取金融服务的能力。美国运通建议通过优化信用评估体系、加强金融教育等多元化手段,更有效地促进消费信贷的健康可持续发展。
美国运通(AXP)首席财务官近日就信用卡利率上限提案发表评论,表示公司虽然认同提升消费者可负担能力的核心理念,但质疑单纯设定利率上限能否真正实现这一目标。
该高管指出,信用卡定价机制需综合考虑风险管控、服务成本及市场竞争力等多重因素。强制设定利率上限可能导致金融机构收紧信贷标准,反而削弱部分消费者获取金融服务的能力。美国运通建议通过优化信用评估体系、加强金融教育等多元化手段,更有效地促进消费信贷的健康可持续发展。
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