8 分钟行业动态.pdf

1、Industry Update in Eight1 2024 TransUnion LLC All Rights ReservedAgendaMarket Overview:Michele Raneri,VP,Financial Services Research&Consulting2024 US Financial Services Summit2Auto:Satyan Merchant,SVP,Auto and Mortgage Business LeadBankcard:Paul Siegfried,SVP,Card and Payments Business LeadUnsecure

2、d Personal Loan and Student Loans:Liz Pagel,SVP,Consumer Lending Business LeadMortgage:Satyan Merchant,SVP,Auto and Mortgage Business Lead2024 US Financial Services Summit 2024 TransUnion LLC All Rights ReservedMichele Raneri,VP,Financial Services Research&ConsultingMarket Overview2024 US Financial

3、Services Summit3 2024 TransUnion LLC All Rights ReservedThere are a few trends impacting the economyQ1 GDP(1.6%)Consumer spending has fueled recent economic growth as the increase in GDP has moderated within the rising interest rate environmentInflation(3.5%)The cost of living has increased signific

4、antly since 2021,and the Fed will likely keep interest rates elevated in the near term to combat inflationUnemployment(3.9%)The economy has produced 40 consecutive months of positive job growth and real wages have been rising since May 2023Source:FRED,Oxford Economics4 2024 TransUnion LLC All Rights

5、 ReservedThe growth in consumer risk scores has slowed over the past year,with an increased weighting in both super prime and subprimeVantageScore 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:TransUni

6、on US consumer credit database14.6%14.7%11.9%12.2%13.1%13.8%13.4%13.4%12.8%12.3%12.2%12.1%17.5%17.2%17.8%17.8%17.3%16.5%17.3%17.3%18.6%18.9%18.1%17.4%37.1%37.4%38.9%38.8%39.3%40.2%0%20%40%60%80%100%of consumers with a BalanceQ1 2019Q1 2020Q1 2021Q1 2022Q1 2023Q1 2024SubprimeNear primePrimePrime plus