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<P>语言：英语</P>
<P>简介：CURRENT ENVIRONMENT1<BR>Profit growth continues but concerns remain<BR>New federal guidelines implemented<BR>Stocks improve with credit quality<BR>Credit card use flourishes<BR>Consumer bankruptcy rates remain high<BR>DOJ versus Visa and MasterCard<BR>Visa and MasterCard settle lawsuit<BR>Forecast: brighter days ahead<BR>INDUSTRY PROFILE6<BR>A diverse industry meeting a variety of needs<BR>INDUSTRY TRENDS 6<BR>Credit quality a concern<BR>Slower but healthier loan growth<BR>Credit cards boost business<BR>Consolidation will continue<BR>Business goes global<BR>Securitization: pooling loans and risks<BR>HOW THE INDUSTRY OPERATES 11<BR>Diversified financial services<BR>Consumer finance companies<BR>Profits influenced by interest rates<BR>Large players dominate<BR>Leveraged balance sheets<BR>Tight regulation<BR>Lending policies<BR>The risks of extending credit<BR>KEY INDUSTRY RATIOS AND STATISTICS 18<BR>HOW TO ANALYZE A FINANCIAL SERVICES COMPANY 21<BR>Diversified financial services companies<BR>Consumer finance companies<BR>GLOSSARY25<BR>INDUSTRY REFERENCES26<BR>COMPARATIVE COMPANY ANALYSIS </P>