我国商业银行信用卡业务发展中的问题及研究对策

发布时间：2018-01-12 13:38

本文关键词：我国商业银行信用卡业务发展中的问题及研究对策　出处：《辽宁师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着经济的发展,金融市场的成熟,作为现代支付工具的信用卡进入我国,并不断发展。其自身的便捷性、安全性优于我国当时放行的借记卡,这给我国金融市场注入了新鲜的血液。从中国银行发放的第一张信用卡开始,我国拥有了属于自己的信用卡,直到今天信用卡已成为集存取现金、结算、商户消费等多功能于一体的金融产品。我国银行业开始将信用卡业务看作是最重要的业务之一。我国信用卡市场的成熟度与经济发达国家信用卡产业相比还很低,仍存在许多问题,加之外资银行对信用卡业务的竞争,对我国信用卡的发展影响很大。而我国信用卡业务由于信用体系的不完善,受理市场的不成熟,相关法律的滞后,导致我国银行信用卡业务整体呈亏损之态势。因此,我国金融机构及发卡行急需深度分析我国信用卡业务发展中存在的问题,探索符合我国信用卡的发展模式。本文将我国商业银行信用卡业务发展中的问题及研究对策分为六个部分：第一部分介绍我国信用卡的现状。首先,阐述信用卡的由来,从广义和狭义两个方面诠释其概念,介绍信用卡的种类、功能及其收入。其次,对我国信用卡的产生、发展历程及我国信用卡的营销作以简单的介绍。第二部分着重介绍发达的国家和地区信用卡发展历程,给予我国信用卡的发展启示。第三部分归纳总结了现阶段我国信用卡发展中存在的诸多问题。第四部分对上一部分所提出的不同问题进行深入剖析,研究我国信用卡业务发展的不利因素。第五部分在第四部分深入分析的基础上,结合我国信用卡业务的自身特点,同时借鉴国外发达国家信用卡业务的有益经验,提出了合理的意见和建议。第六部分对上述阐述的观点进行了总结。
[Abstract]:With the development of the economy and the maturity of the financial market, the credit card, as a modern payment tool, has come into our country and developed continuously. Its own convenience and security is superior to the debit card released at that time. From the first credit card issued by the Bank of China, China has its own credit card, until today, the credit card has become a collection of cash, settlement. China's banking industry began to regard credit card business as one of the most important business. The maturity of the credit card market in China is still very low compared with the credit card industry in developed countries. . There are still many problems, together with the competition of foreign banks to the credit card business, which has a great impact on the development of credit card in China. However, the credit card business in China is not mature because of the imperfection of credit system. The lag of relevant laws leads to the loss of credit card business in our country. Therefore, it is urgent for our financial institutions and credit card issuers to deeply analyze the problems in the development of credit card business in our country. To explore the development model in line with China's credit card. In this paper, the problems and research countermeasures in the development of credit card business of commercial banks in China are divided into six parts: The first part introduces the current situation of credit card in China. Firstly, it explains the origin of credit card, explains its concept from two aspects of broad sense and narrow sense, and introduces the types, functions and income of credit card. The emergence, development and marketing of credit cards in China are briefly introduced. The second part focuses on the development of credit cards in developed countries and regions. The third part summarizes the existing problems in the development of credit card in China. Part 4th analyzes the different problems raised in the previous part. Study on the adverse factors of the development of credit card business in China. Part 5th in the 4th part of the in-depth analysis of the basis, combined with our own characteristics of credit card business. At the same time, using the beneficial experience of developed countries for reference, the author puts forward some reasonable opinions and suggestions. Part 6th summarizes the above views.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F224

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