美银行信用卡贷款激增引发担忧_BEC初级作文

美银行信用卡贷款激增引发担忧

根据德意志银行(Deutsche Bank)的研究，最近披露的第二季度财报显示，富国银行(Wells Fargo)、花旗集团(Citigroup)和美国合众银行(US Bank)的信用卡贷款分别同比增长10%、12%和16%。总部设在亚特兰大、资产规模为2000亿美元的太阳信托银行(SunTrust)的信用卡贷款增速尤为迅猛，高达26%。

Across the US banking industry, credit card and other revolving loans rose at a seasonally adjusted annual rate of 7.6 per cent in the second quarter to $685bn, according to Federal Reserve data.

根据美联储(Fed)的数据，今年第二季度整个美国银行业信用卡和其他循环贷款增至6850亿美元，经季节调整的年化增长率为7.6%。

The credit card business remains among the most profitable in banking. Lenders can charge much higher interest rates — the US average is between 12 and 14 per cent — than for other types of credit, and borrower delinquencies are still low by historical standards.

信用卡业务仍是银行业盈利最高的业务。银行可以收取比其他类型贷款高得多的利息，美国平均为12%至14%，同时借款者拖欠贷款的行为仍处于历史低位。

However, there are some early indications that the cycle is beginning to turn.

然而，一些早期迹象表明，信贷周期正开始转向。

“In the present environment it’s probably a safe strategy, but as we saw with housing in 07/08 that environment can change very rapidly,” said Nancy Bush, banking analyst at Georgia-based NAB Research. “They need to be very careful.”