Purpose

The purpose of this paper is to discuss the evolution of Macao's gaming credit practices with reference to its promulgation of the gaming credit law after its gaming liberalization.

Design/methodology/approach

A qualitative approach based on in-depth interviews with casino executives, government officials and gamblers to probe their perspectives on Macao's gaming credit practices was adopted due to its underresearched nature. Documentary analysis of annual reports and court files was also used.

Findings

Despite the potential of increased revenue with more credit, the credit risk for gaming concessionaires remained under control, while VIP-rooms and junket operators have adopted more prudent policy and faced substantial challenge in credit collection. All these would lead to greater alignment with law-based credit practices.

Research limitations/implications

Since gaming credit information was considered confidential, the author experienced difficulty in arranging the interviews, and the nonprobability sampling characterized by the selection bias might affect the findings.

Practical implications

The findings have demonstrated some major credit practices such as credit charges on credit balances and terms and conditions for repayment for different credit providers in Macao.

Originality/value

The different credit practices by credit providers at different levels of gaming credit have been presented in the same paper.

中文翻译：

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澳门博彩信贷实践：博彩信贷法实施15年后

目的

本文旨在参考澳门博彩自由化后颁布的博彩信贷法，探讨澳门博彩信贷实践的演变。

设计/方法/途径

由于研究不足，采用了基于对赌场高管、政府官员和赌徒的深入访谈的定性方法，以探究他们对澳门博彩信贷实践的看法。还使用了年度报告和法庭文件的文件分析。

发现

尽管增加信贷可能会增加收入，但博彩特许经营商的信贷风险仍可控，而贵宾室和中介人已采取更审慎的政策，并在信贷收集方面面临重大挑战。所有这些都将导致与基于法律的信贷实践更加一致。

研究局限性/影响

由于博彩信用信息被认为是保密的，作者在安排采访时遇到了困难，而且以选择偏差为特征的非概率抽样可能会影响调查结果。

实际影响

调查结果显示了一些主要的信贷做法，例如对信贷余额的信贷收费以及澳门不同信贷提供者的还款条款和条件。

原创性/价值

同一篇论文中介绍了信贷提供者在不同级别的博彩信贷方面的不同信贷做法。