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@Saskatoon

Rich and Poor Should Pay Same Price : other side story

fromwuhanwuhan(winter)
"What would you think of a proposal to create a consumer financial system in which the poor subsidize the well off? How about one that raises costs for those who do not use credit while imposing hefty penalties on those who use it unwisely?"
(#6650756@0)
Last Updated: 2011-5-1
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Replies, comments and Discussions:

  • 枫下茶话 / 政治经济 / 是不是以后信用卡都要收年费或者没reward了？NDP要把信用卡的利息限制在P+5%。目前似乎此类信用卡好像要么得收年费，要么就没reward。刷卡消费没啥意思了。 -lionel(Lionel); 2011-4-29 (#6648174@0)
    • don't know the every detail, but it seems that is NDP wants. they may have good intention, but it would still be a stupid policy. again, it gonna hurt middle class and make it difficult for ordinary people to access credit when really needed -barbarian(粗人); 2011-4-29 (#6648480@0)
      • 估计大家还是会持有信用卡，但积分或返钱可能就拿不到了。信用卡消费可能也会减少。 -lionel(Lionel); 2011-4-29 (#6648579@0)
        • also, credit card company may be reluctant to issue credit card to certain group of people since the risk/return is not there any more. those group may happen to be the group NDP claiming to protect. well, actually it may be a good thing for ecomony.. :) -barbarian(粗人); 2011-4-29 (#6648635@0)
    • 我曾经设想限制信用卡使用，你看是不是这个理。信用卡对物价上涨起了很大作用。一件商品，没有考虑信用卡的收费，可能卖100块，考虑信用卡的收费得卖120。你用信用卡就是信用卡公司赚，你不用信用卡这多出的20块就被商家赚了。信用卡公司就靠那一点点返回，激励着大量使用。 -x888(里程彭); 2011-4-29 (#6648514@0)
      • 一般visa,mastercard信用卡向商家的收费大约是2%-3%，而不是你理解的20%。信用卡促进了消费市场，尤其是互联网上的消费，因此降低了交易成本。另外NDP主要是要限制信用卡的利息这部分，与你说的向商家收费没有直接的关系。 -lionel(Lionel); 2011-4-29 (#6648570@0)
        • 羊毛出在牛身上？ -fromwuhanwuhan(winter); 2011-5-1 (#6650710@0)
          • 也可以这么说。 -f071226(f); 2011-5-1 (#6650723@0)
          • 信用卡所带来的不是零和游戏，而是提高了金融效率，降低了交易成本的金融产品。不存在剪羊毛的问题。 -lionel(Lionel); 2011-5-1 (#6650725@0)
            • Rich and Poor Should Pay Same Price : other side story -fromwuhanwuhan(winter); 2011-5-1 {243} (#6650756@0)
              "What would you think of a proposal to create a consumer financial system in which the poor subsidize the well off? How about one that raises costs for those who do not use credit while imposing hefty penalties on those who use it unwisely?"

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