信用卡组合管理中流动性短缺早期预警的检测.pdf

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1、Detecting Early Indicators of Liquidity Shortage in Managing Card PortfoliosPaul SiegfriedSVP and Card and Banking Business LeadTransUnion2 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.2 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.2026 TransUnion,

2、its subsidiaries and/or affiliates.All Rights Reserved.US Market SituationConsumers entered forbearance and the CARES Act provided temporary relief during the pandemicConsumer liquidity increased,temporarily shifting credit behavior and impacting credit scoresLenders had to adapt and revise strategi

3、es given post-pandemic behaviorsLenders are balancing the market factors while looking to sustain growthAffordability challenges from inflation and reduced liquidity have led lenders to reposition strategies3 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.Consumers experience

4、d unprecedented changes to liquidity driven by several external factors over the past year401(k)hardship withdrawals more than double as people raid their retirement savings for emergencies-MarketWatchConsumer spending stalled in September as inflation remained stubborn|CNN BusinessLayoff announceme

5、nts top 1.1 million this year,the most since 2020 pandemic,Challenger says401(k)hardship withdrawals more than double as people raid their retirement savings amid soaring costs of living.-MarketWatch,Nov.16,2025Layoff announcements top 1.1 million this year;the most since 2020 pandemic.-CNBC.com,Dec

6、.4,2025Consumer spending stalled in September as inflation remained stubborn-CNN.com,Dec.5,2025Understanding Consumers Liquidity Changes Before and After the Pandemic5 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.Source:TransUnion US consumer credit databaseVantageScore 4.0