信用卡计息方式

信用卡计息方式 目录 第一章 信用卡计息方式 ............................................................... 2 一.全额罚息 .............................................................................................................. 2 二.未清偿计息........................................................................................................... 2 三.各大银行所采用的方式 ......................................................................................... 3 第二章 互联网信用卡的相关信息 ................................................. 6 一(互联网信用卡..................................................................................................... 6 二(互联网信用卡的优点 .......................................................................................... 6 三(央行紧急叫停虚拟信用卡 ................................................................................... 7 第三章 娱乐宝 ................................................................................. 9 一(娱乐宝的产生..................................................................................................... 9 二(娱乐宝的特点..................................................................................................... 9 electricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to desperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enterprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of development. Conditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aid and other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specific embodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unable to support the poor, Lo-Fi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of poverty. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengthen the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exit, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, poverty the basic information and dynamic entry to the system, to implement dynamic management. According to pro-poor development, timely adjustment on 第一章 信用卡计息方式 一.全额罚息 全额罚息是指在还款日后，无论当月信用卡是否产生了部分还款，只要未足额还款，发卡行都会对持卡人按照总消费金额计息。如果持卡人不全额还款，按全额罚息方式计息会怎样计算呢, 假如持卡人在3月8日消费8000元，在账单日4月7日收到的账单上会显示“本期应还金额”为8000元，“最低还款额”为800元。 持卡人如果按照最低还款额在还款日4月25日还了800元，那么在下一期账单日5月7日的对账单中的循环利息为:8000元×0.05%×48天(3月8日-4月25日)+7200元×0.05%×12天(4月25日-5月7日)=192元+43.2元=235.2元。 如果在还款日只还了7999元，少还了1元，那么在账单日5月7日的对账单中的循环利息为:8000元×0.05%×48天+1元×0.05%×12天=192.006元。 二.未清偿计息 未清偿部分计息是指，持卡人如果产生部分还款，还款部分可以得到免息待遇，银行只对未偿还部分计算利息。 按照未清偿部分计息，持卡人同样在3月8日消费8000元，在还款日4月25日按照最低还款额还了800元，持卡人在这天归还的800元可以享受自消费日到还款日免息待遇，那么在5月7日的账单上，其循环利息为:7200元×0.05%×60天(3月8日-5月7日)=216 poor development, timely adjustment on-e basic information and dynamic entry to the system, to implement dynamic management. According to prorty tht, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, povethen the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exiy. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-support the poor, Lole to older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unabodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, c emband other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specifi ditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aidt. Conrprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of developmendesperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enteelectricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to 2 第一章 信用卡计息方式 元，较全额罚息可以节省19.2元。如果在4月25日还款7999元，少还了1元，那么在5月7日的对账单中的循环利息为:1元×0.05%×60天=0.03元，利息将比全额罚息大幅减少，可少付191.976元。 三.各大银行所采用的方式 1. 18家银行仅3家采用未清偿计息 有网站曾推出“银行不公平格式条款哪条最霸道”调查活动，“全额罚息”被消费者认为是仅次于“收年费同时，又收小额账户管理费”之外最霸道的条款。 2009年2月，工商银行率先取消了“全额罚息”，改为“部分还款，部分计息”，但调查发现，三年过去，仅有浦发、农行两家银行跟进，即共有3家银行采用未清偿部分计息。 建行、招行、民生、华夏、中行、交行、邮储、光大、深发展、中信、兴业、广发、广州银行、广州农商、东亚银行等15家银行都采取全额罚息制度，意味着持卡人如果不全额还款，同样条件下，这15家银行的计息制度令持卡人付出更多利息。 2. 4家银行推“容差还款” 事实上，全额罚息最令消费者不满的是出现部分零头没还清就被全额罚息、收取滞纳金和影响征信。因为大多数消费者往往只大约记着账单整数，极易出现部分零头未还的状况，即按照上面的计算，会出现出现少还1元钱，罚息192元的现象。 针对消费者颇为质疑的这种情况，部分银行推出“容差还款”的新政，即账单内到期欠款的小额零头会自动滚入下期账单中，不对账 poor development, timely adjustment on-information and dynamic entry to the system, to implement dynamic management. According to prosic and "return to the poor" get maximum support and help. To build up the information network system of the poor, poverty the ba farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exit, "poor" y. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengthen theFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-the poor, Loport , incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unable to supthe proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, older age iment,er forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specific embodto encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aid and othtions enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of development. Condie farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enterprise, electricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to desperat3 单进行全额罚息。不过，新快报记者调查发现，只有建设银行、招商银行(微博)、民生银行、华夏银行等4家银行采取容差还款方式，对10元以下的未还账单视作全部还清，不再全部罚息，只需在下期账单还清即可。 这意味着，采取全额还款而又没有容差还款制度的中行、交行、邮储行、光大、深发展、中信、兴业、广发、广州银行、广州农商、东亚会出现少还1分钱，全额收利息的情况。 滞纳金起点中信最高，最低收取30元 消费者在到期还款日全额还款可以免收利息，但是到期还款日前部分还款，超过最低还款额就会被收取利息。 如果所还款项连最低还款额都达不到的话，除了收取未还部分利息，银行还会按照最低还款额未还部分收取滞纳金，而且会在个人征信系统留下不良的记录。 目前发卡银行对信用卡持卡人未偿还最低还款额的行为，按最低还款额未还部分的5%收取滞纳金。 尽管目前18家银行都按照最低还款额未还部分的5%收取滞纳金，但由于各家银行政策的不同，所设的最低额度也不尽相同。 浦发、中行、光大银行(微博)不设上下限。农业银行最低收取1元。工行最低收取1元，封顶500元。建设银行最低收5元。招商、民生、华夏、交行、邮储、广州银行最低收取10元。深发展最低收15元。兴业、广发、广州农商、东亚最低收20元。 中信银行滞纳金起点为18家银行中最高，最低收取30元，这意 poor development, timely adjustment on-e basic information and dynamic entry to the system, to implement dynamic management. According to prorty tht, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, povethen the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exiy. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-support the poor, Lole to older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unabodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, c emband other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specifi ditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aidt. Conrprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of developmendesperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enteelectricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to 4 第一章 信用卡计息方式 味着，假如持卡人最低还款额为800元，如果只还了700元，尽管按 照未还部分100元的5%费率计算得5元，但未满30元都会被按作 30元收取。 3. 各银行计息及滞纳金收费情况 工商银行 未清偿部分计息 无 5% ，1-500 元 浦发银行(微博) 未清偿部分计息 无 5% 农业银行 未清偿部分计息 无 5% ，最低 1元 建设银行 全额罚息 10 元以内 5% ，最低 5元 招商银行 全额罚息 10元以内 5% ，最低 10 元 民生银行 全额罚息 10元以内 5% ，最低 10 元 华夏银行 全额罚息 10元以内 5% ，最低 10 元 中国银行 全额罚息 无 5% 交通银行 全额罚息 无 5% ，最低 10 元 邮储银行 全额罚息 无 5% ，最低 10 元 光大银行 全额罚息 无 5% 深发展 全额罚息 无 5% ，最低 15 元 中信银行 全额罚息 无 5% ，最低 30 元 兴业银行 全额罚息 无 5% ，最低 20 元 广发银行 全额罚息 无 5% ，最低 20 元 广州银行 全额罚息 无 5% ，最低 10 元 广州农商 全额罚息 无 5% ，最低 20 元 东亚银行 全额罚息 无 5% ，最低 20 元 poor development, timely adjustment on-information and dynamic entry to the system, to implement dynamic management. According to prosic and "return to the poor" get maximum support and help. To build up the information network system of the poor, poverty the ba farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exit, "poor" y. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengthen theFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-the poor, Loport , incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unable to supthe proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, older age iment,er forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specific embodto encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aid and othtions enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of development. Condie farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enterprise, electricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to desperat5 第二章 互联网信用卡的相关信息 一(互联网信用卡 2013年10月，阿里巴巴旗下的外贸服务公司一达通推出了“阿里巴巴虚拟信用卡”业务，向海外买家提供授信额度。随着阿里信用贷款的推出，市场上仍不时有阿里巴巴欲申请银行牌照的传闻。尽管手握庞大客户数据，但阿里巴巴的金融业务目前仍只是银行业的一个补充，还很难突破。由于不能吸储，阿里金融在控制坏账率上要求会非常高，而这又反过来影响其放贷规模。银联零售商户交易费用一般在1%以上，且大部分还是被银行拿走。阿里巴巴此时推出优惠费率，意在招揽更多用户使用。 2014年3月11日，某银行联合阿里、腾讯以及众安保险参与，向客户发放虚拟信用卡，业内酝酿许久的“无卡”信用卡终于浮出水面。媒体报道称，该虚拟信用卡的准入门槛较低且不受时间和地域的限制，对于一些股份制银行或规模不大的银行具有很大吸引力。用户可以由微信或者支付宝钱包在线办理信用卡，即时申请、申请结果即时知晓。在网上快速授信后，消费者可获得5000元左右的信用额度，在手机上完成支付。 二(互联网信用卡的优点 信用支付功能将覆盖8000万支付宝用户。为了吸引卖家参与，淘宝和支付宝的运营团队根据用户属性，对这8000万人分了1000多个群组，未来将把群组数据开放共享给商户。支付宝和微信信用卡都利 then the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exiy. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-support the poor, Lole to older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unabodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, c emband other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specifi ditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aidt. Conrprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of developmendesperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enteelectricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to poor development, timely adjustment on-e basic information and dynamic entry to the system, to implement dynamic management. According to prorty tht, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, pove6 第一章 信用卡计息方式 用网络，改变了传统信用卡递交材料等待审批的繁琐。支付宝做到即时申请、即时获准。微信信用卡可以做到1分钟完成信用卡审批，即时可用。合作方还包括了众安保险，这也是信用卡首次引入了保险模式，以降低客户信用风险及银行资产风险。 三(央行紧急叫停虚拟信用卡 3月13日，央行微博紧急下发文件暂停虚拟信用卡产品，同时暂停的还有条码(二维码)支付等面对面支付服务。 根据监管规定，信用卡申请必须满足“三亲原则”—— 对申请人进行亲访工作单位或住宅、亲见签名、亲自审核资料真伪。但虚拟信用卡业务无法满足这一条件。显然，在发卡环节，虚拟信用卡与监管要求存在一定的距离。 在收单环节，商业银行的计算机系统安全防范系数非常高，尚未发现某银行的数据库被黑客入侵、导致客户信息被盗等风险事件。但在第三方支付机构领域，由于一些中小商户经营欠规范、良莠不齐，个别商户为提高收单收益，参与恶意套现、受理伪卡交易、洗钱等违法勾当，甚至出卖客户账户信息;而收单方不对签约商户的交易进行监控、任其违法行为蔓延，也是间接导致风险损失的责任一方。 此外，由于条码(二维码)尚无国家层面的、适用于金融领域支付专用的生成，使得人们对支付指令验证方式的安全性持存疑态度。一段时间以来，屡屡发生客户因使用手机扫描条码(二维码)支付“中毒”，导致个人信息泄露或者资金损失。因此，在条码(二维码)应用支付安全性的国家层面标准尚未出台、收单环节的风险管控尚未解 farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exit, "poor" y. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengthen theFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-the poor, Loport , incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unable to supthe proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, older age iment,er forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specific embodto encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aid and othtions enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of development. Condie farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enterprise, electricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to desperatpoor development, timely adjustment on-information and dynamic entry to the system, to implement dynamic management. According to prosic and "return to the poor" get maximum support and help. To build up the information network system of the poor, poverty the ba 7 决的前提下，就匆忙的投入条码(二维码)支付等面对面支付服务，确有操之过急的嫌疑。 归根结底，虚拟信用卡的结局是暂停还是叫停，最终决定于利益，但希望这个“利益”是真正消费者的利益，而非少数群体的垄断利益。互联网金融的崛起给老百姓带来好处，提高了社会运行的效率，这已是不争的事实，而监管方也应以积极、开放态度对待这些技术以及商业模式的创新。 poor development, timely adjustment on-e basic information and dynamic entry to the system, to implement dynamic management. According to prorty tht, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, povethen the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exiy. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-support the poor, Lole to older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unabodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, c emband other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specifi ditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aidt. Conrprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of developmendesperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enteelectricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to 8 第一章 信用卡计息方式 第三章 娱乐宝 一(娱乐宝的产生 阿里巴巴数字娱乐事业群宣布推出新一代“宝”——娱乐宝平台。娱乐宝是由阿里巴巴数字娱乐事业群联合金融机构打造的增值服务平台，用户在该平台购买保险理财产品即有机会享有娱乐权益。网民出资100元即可投资热门影视剧作品，预期年化收益7%，并有机会享受剧组探班、明星见面会等娱乐权益。有别于余额宝的属性，娱乐宝将依附于淘宝移动端，通过向消费者发售产品进行融资，所融资金配置为部分信托，最终投向于阿里娱乐旗下的文化产业。 二(娱乐宝的特点 1.对电影制作方而言，娱乐宝不仅可以带来资金保障，还可以帮助征集最真实的用户声音。用户们“用钱投票”，评判对某个影视项目导演、演员、剧本的喜好程度。这些第一手的用户数据，将成为影视娱乐行业新的风向标，从投资制作环节就对内容产生影响，实现真正的“大数据创作”。 2.娱乐宝为粉丝们打造了从投资影视剧，到关注创作动态、与明星互动玩乐，到上映购票观影，最终获得年化收益的全流程参与，提供一种全新的娱乐生活方式。 3.阿里巴巴强调，娱乐宝模式并非当前流行的“众筹”概念。众筹项目，“不能以股权或资金作为回报，项目发起人更不能向支持者许诺任何资金上的收益”，这与娱乐宝平台上能提供预期资金收益的保险理财产品，有着本质区别。 y. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengthen theFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-the poor, Loport , incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unable to supthe proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, older age iment,er forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specific embodto encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aid and othtions enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of development. Condie farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enterprise, electricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to desperatpoor development, timely adjustment on-information and dynamic entry to the system, to implement dynamic management. According to prosic and "return to the poor" get maximum support and help. To build up the information network system of the poor, poverty the ba farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exit, "poor"9 4.作为娱乐宝平台首期合作伙伴，国华人寿将提供专业的保险理财产品。网民通过娱乐宝平台购买国华人寿的保险理财产品后，资金将采取合法合规的方式投向文化产业，获取投资收益。 poor development, timely adjustment on-e basic information and dynamic entry to the system, to implement dynamic management. According to prorty tht, "poor" and "return to the poor" get maximum support and help. To build up the information network system of the poor, povethen the farmers ' information management, dynamic management of poor, really "poor" no place to hide, "poverty" a timely exiy. (C) establishing and perfecting retreat mechanism. Poverty alleviation is a dynamic project, we must strengFi policy reveals the role to play, eventually incorporated into the low range, and fundamentally solve the problem of povert-support the poor, Lole to older age, incapacity, cannot be achieved through industry support and employment support, such as poverty, children and unabodiment, the proper meaning of giving back to the community. Finally reveals to implement poverty alleviation policies, c emband other forms of poverty alleviation activities, let poverty alleviation aid corporate social responsibility in the specifi ditions to encourage private enterprises to establish Charity Fund for poverty alleviation, employment, grants, financial aidt. Conrprise, enterprise more powerful, more social responsibility, they should allow more people to enjoy the fruits of developmendesperate farmers out of poverty, in conjunction with urbanization, new communities are centrally placed. Poverty in the enteelectricity at no cost, revenue from electricity sales. Poverty alleviation to the removal, to 10