8分钟带你了解信贷行业的观点.pdf

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1、January 20268-Minute Industry UpdateFinancial Services SeminarAgenda2 2026 TransUnion.All Rights ReservedMarket Overview:Dan Simmons,Sr Director,Financial Services Research&ConsultingAuto Financing:Saravanan Eswaran,Sr Manager,Financial Services Research&ConsultingBankcard:Paul Siegfried,SVP,Card an

2、d Banking Personal Loans:Arun Balasubramanian,Sr Lead,Financial Services Research&ConsultingMortgage:Michele Raneri,VP,Financial Services Research&ConsultingMarket Overview8-Minute Industry UpdateSr Director,Financial Services Research&ConsultingDan Simmons 2026 TransUnion,its subsidiaries and/or af

3、filiates.All Rights Reserved.4There are a few key trends impacting the economyQ3 GDP(4.3%)Economic growth accelerated beyond expectations,with the increase driven primarily by strength in consumer spending Inflation (2.8%)The Core Personal Consumption Expenditures(PCE)Index remains above the Federal

4、 Reserves 2%targetUnemployment (4.4%)Slowing job growth and a weakening labor market have been primary factors in the Federal Reserves decision to cut interest ratesSource:S&P Global,Federal Reserve Economic Data(FRED)2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.5Following

5、a period of significant growth,the Median VantageScore has declinedSource:TransUnion US consumer credit database 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.6Risk distributions have increased at each end of the spectrum,with super prime consistently rising and subprime ret

6、urning to 2019 levels VantageScore 4.0 risk ranges:Subprime=300600,Near prime=601660,Prime=661720,Prime plus=721780,Super prime=781+Totals may not equal 100 due to rounding Source:TransUnion US consumer credit database 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.7Originati