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

“在当前环境下，这可能是一种安全策略，但就像我们在2007年至2008年的住房市场看到的那样，环境可能会迅速发生变化，”总部位于佐治亚州的NAB Research的银行业分析师南希•布什(Nancy Bush)表示，“他们需要非常谨慎。”

Bob Hammer, the veteran credit-card consultant, said: “Times are pretty good right now, but it’s questionable how long it’s going to last”.

资深信用卡咨询顾问鲍勃•汉莫(Bob Hammer)表示：“现在形势非常好，但这将持续多长时间仍存在疑问。”

Synchrony Financial, the largest supplier of store-branded cards in the US, sent a shudder through the sector in June when it increased its forecast for credit losses.

今年6月，美国最大商店信用卡供应商Synchrony Financial上调了其信用卡损失预期，这令整个行业为之一颤。

Several banks have since disclosed that they have boosted reserves for losses, although executives said this largely reflected expansion of their businesses rather than a deterioration in credit quality.

此后多家银行公布，它们已增加损失准备金，不过高管们表示，这主要反映了业务的扩张，而非信贷质量的恶化。

Capital One added $375m to its loan loss reserve for its domestic card business, according to Barclays, while JPMorgan Chase added a $250m loss allowance for its credit-card portfolio.