https://www.cnbc.com/2022/09/12/goldmans-gs-apple-card-business-has-a-... [cnbc.com] >Charge-off rates tend to be highest during the first few years a user has a card; >as Goldman’s pool of customers ages and struggling users drop out, those losses should calm down, the people said. >The bank leans on third-party data providers to compare metrics with similar cards of the same vintage >and is comfortable with its performance, the people said.
損失率2.93%は (スコア:0)
詰みますねぇ。
良く分かりませんが、金利相当上乗せしてもペイしないですよ、これ。
リーマンショックを再現するか、金借りてる人間の内臓を没収するか、風呂に沈めるか、いやーん。
Re: (スコア:0)
GSがカード事業を始めてから期間が短いため、損失率が高めになっている、
という見方もあるようです。
https://www.cnbc.com/2022/09/12/goldmans-gs-apple-card-business-has-a-... [cnbc.com]
>Charge-off rates tend to be highest during the first few years a user has a card;
>as Goldman’s pool of customers ages and struggling users drop out, those losses should calm down, the people said.
>The bank leans on third-party data providers to compare metrics with similar cards of the same vintage
>and is comfortable with its performance, the people said.
参考訳