喬治瑪莉 歷史 參考來源 相關項目 导航菜单萬泰「喬治與瑪麗」卡大紅的秘訣 P.72萬泰銀 成敗都是現金卡小心淪為「房債族」！從2005年卡債風暴看未來「房貸危機」＞信用卡外，還有現金卡【蘋果調查】信用卡多恐怖？5位卡奴的沉痛告白

臺灣信用卡臺灣金融史1999年台灣


台灣現金卡臺語諧音萬泰銀行許勝發許顯榮土地銀行華南銀行台新銀行中國信託台幣




喬治瑪莉是台灣第一張現金卡，英文名稱為「George & Mary」[1][2][3]。而喬治、瑪莉兩者都是以臺語的諧音命名。


喬治的臺語諧音為「借錢」、Mary的諧音為「免利」，因此合稱起來是「借錢免利」的意思[2][3]，



歷史


1999年[2]7月[1]，台灣歷經過亞洲金融風暴後、和銀行企業金融逐漸緊縮之下[3]，由當時就任萬泰銀行董事長許勝發前往日本考察時，發現日本十大獲利的大型銀行企業中，有三家銀行都靠小額信貸的放款業務方式獲利[1]，因此讓許勝發得到靈感，與兒子許顯榮[2]父子2人將這項獲利方式引進台灣[2]，首次發行了國內的第一張現金卡「喬治瑪莉」[1]。


2001年，喬治瑪麗現金卡問世2年之後，讓萬泰銀行的獲利攀上高空，同時創下罕見的股價大漲八倍奇蹟，從此開啟了台灣現金卡的先驅，之後其它銀行業者紛紛投入雙卡業務的開發、並採取同樣的命名模式[2]（例如土地銀行「春嬌志明現金卡」、華南銀行「轉運color現金卡」、台新銀行「Story現金卡」及中國信託「Wish現金卡」[3]等等）。


2005年，許顯榮更引進外資─奇異資融，讓萬泰銀行走向國際舞台[2]。但是在翌年2006年，發生席捲全台的卡債風暴，逾80萬人淪為卡奴，平均欠款超過100萬以上台幣[4]。


2008年，許氏父子力推的喬治瑪莉現金卡遇上金融風暴，使萬泰銀出現鉅額虧損，股價一度跌到2元[2]。稍早在2007年年底，許勝發被迫將他一手創立的萬泰銀行賣出[2]，同時將女婿吳東進經營的新光金控拖下水，動搖了家本─太子集團[2]。


最後，喬治瑪莉現金卡在2008年問世不到10年的這一年，成為壓垮萬泰銀行財務的最後一根稻草，正式走入歷史[2]。



參考來源




  1. ^ 1.01.11.21.3 萬泰「喬治與瑪麗」卡大紅的秘訣 P.72. 今週刊. 2002-07-04 [2018-03-06] （中文（台灣）‎）. 


  2. ^ 2.002.012.022.032.042.052.062.072.082.092.10 萬泰銀 成敗都是現金卡. 蘋果日報. 2008-01-26 [2018-03-06] （中文（台灣）‎）. 


  3. ^ 3.03.13.23.3 小心淪為「房債族」！從2005年卡債風暴看未來「房貸危機」＞信用卡外，還有現金卡. 經濟日報. 2017-12-14 [2018-03-06] （中文（台灣）‎）. 


  4. ^ 【蘋果調查】信用卡多恐怖？5位卡奴的沉痛告白. 蘋果日報. 2015-12-16 [2018-03-06] （中文（台灣）‎）. 



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