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每卡每年平均消费3,0003,2403,4993,9194,5075,1835,857透支率5%7%8%10%12%14%15%期初余额-3,64514,87231,51964,440118,729197,814交易量72,900208,812379,120612,885924,9701,294,2311,691,253还款额69,255197,585362,472579,964870,6811,215,1461,605,708期末余额3,64514,87231,51964,440118,729197,814283,360毛利率19.6%19.6%19.6%19.6%19.6%19.6%19.6%资金成本3.2%3.2%3.2%3.2%3.2%3.2%3.2%净利率16.4%16.4%16.4%16.4%16.4%16.4%16.4%费用收入50505050505050商户回扣1%1%1%1%1%1%1%滞纳金占余额的百分比10%10%10%10%10%10%10%滞纳金5%5%5%5%5%5%5%坏帐率4%4%4%4%4%4%4%毛利息收入3571,8154,5469,40417,95131,02147,155资金成本1976911,4672,6954,6727,49510,910净利息收入1601,1233,0796,70913,27923,52636,245年费收入1,2153,3925,8888,78611,79514,86317,825商户回扣7292,0883,7916,1299,25012,94216,913滞纳金9461162404587911,203总费用收入1,9535,5269,79515,15421,50328,59735,941总收入2,1136,65012,87521,86334,78152,12372,186人工成本3,6005,5206,1606,9607,6008,1608,480其他成本7,20011,04012,32013,92015,20016,32016,960总成本10,80016,56018,48020,88022,80024,48025,440坏帐733709281,9193,6636,3319,623利润-8,759-10,281-6,533-9368,31821,31337,122比率分析年发卡量增长率179%74%49%34%26%20%年收入增长率215%94%70%59%50%38%年成本增长率53%12%13%9%7%4%511%249%144%96%66%47%35%GDP增长率发卡地区人口(千)应收(千元)损益表(千元)成本/收入比成本明细2000200120022003200420052006假设中信贷记卡发行量24,30067,840117,766175,712235,898297,269356,503新卡发行量-43,54049,92657,94660,18561,37259,233各渠道销售百分比网点30%30%28%26%24%22%20%直销人员50%50%50%50%50%50%50%电话银行20%20%22%24%26%28%30%每人每年销售额直销人员800800800800800800800电话银行600600600600600600600每一服务人员每年服务客户数6,0006,0006,0006,0006,0006,0006,000每一发卡人员每年发卡量8,0008,0008,0008,0008,0008,0008,000销售人员需求直销人员15273136383837电话银行8151823262930总计23424959646767分中心受理人员需求每分中心人员数3555555总计6353535353535贷记卡总中心领导1111111助理0000000部门主管5555555营销7777777信用10101010101010财务会计8888888客户服务11112029395059发卡6667887ÐÐÕþ4444444贷记卡中心人员数525261718293101总计81129145165181195203主管100100100100100100100职员40404040404040主管600600600600600600600职员3,0004,9205,5606,3607,0007,5607,880总计3,6005,5206,1606,9607,6008,1608,480年薪(千元)人工成本(千元)CREDITCARDMODEL贷记卡财务模型COSTBREAKDOWNAssumptionsAssumptions假设No.ofcreditcardsGDPGrowthNo.ofnewcardsPercentageofsalesthrochanNo.ofregions发卡地区数BranchesPopulationintargetcities(K)DirectsalesCreditcardpenetration贷记卡渗透率PhonebankingCIBMarketshare中信市场份额No.ofsalesperpersonperyeNo.ofcreditcards中信贷记卡发行量DirectsalesNo.ofnewcards新卡发行量TelesalesPercentageofactivecards使用率高的贷记卡百分比No.ofcus.servedby1serviceNo.ofactivecards使用率高的贷记卡数No.ofcardsissuedby1issuaAveragespendingpercard每卡每年平均消费SalesresourcesneededRevolvingratio透支率DirectsalesTelesalesAccountreceivable('000)TotalBeginningbalance期初余额Transactionvolume交易量AdministrationinregionsPayment还款额No.ofpeopleineachregionEndin...
