贷记卡财务模型2000200120022003200420052006假设3%3%3%7%10%10%8%发卡地区数277777727,00053,00053,53054,06554,60655,15255,704贷记卡渗透率3%3%4%5%6%7%8%中信市场份额3%4%6%7%7%8%8%中信贷记卡发行量24,30067,840117,766175,712235,898297,269356,503新卡发行量43,54049,92657,94660,18561,37259,233使用率高的贷记卡百分比100%95%92%89%87%84%81%使用率高的贷记卡数24,30064,448108,345156,384205,231249,706288,767每卡每... 2025-05-055459 KB5页23
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StaffAllocation#oftotalstaff6,664#ofretailstaff1,481%oftotal%22%Yr1999CostAnalysisTotalSGARMB1,542,916,547OperatingexpenseRMB1,060,101,949PersonnelexpenseRMB482,814,598-BadDebtLossRMB308,583,309SubtotalRMB1,234,333,238RetailSGARMB274,316,855PerretailstaffRMB185,224CostForecastRetailServicingCostPerproductRMB193#ofproductspercustomer1.2#ofservicingcustomersperstaff*800Annualservicingtimepercusto... 2025-05-0518732 KB3页34
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