我国信用卡盈利的实证研究

发布时间：2018-03-19 15:11

本文选题：信用卡　切入点：成本收益　出处：《天津大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，随着我国经济的不断发展和改革开放思想的不断深入，信用卡行业取得了突飞猛进的发展，同时信用卡也逐渐改变着居民的消费习惯，成为我国居民最常用的消费工具之一。有关数据显示，2011年全年，信用卡刷卡消费达4.1万亿元人民币，在全社会消费品零售额中的比重高达22.6%，刷卡消费所创造的巨大的营业利润，使信用卡成为商业银行最为盈利的零售业务之一，也成为推动我国社会向消费型社会转变的重要推动力量。目前我国信用卡业务还处于初级发展阶段，国外成熟的发展经验和模式并不完全适用于我国现行的发展环境。早年期间的“跑马圈地”运动，一味追求发卡量，并没有给商业带来预期的盈利空间，规模效应没有发挥作用。因此，在国外最为挣钱的银行业务在中国却遭受冷门，这迫使我们仔细研究我国信用卡发展的市场环境，探索出一套符合我国国情的信用卡发展模式。以此为背景，本文在信用卡自身特性的基础上，，研究其盈利理论，同时结合我国实际，以成本收益函数为理论依据，构建一个盈利函数，并且进行实证研究。为了更加具体全面地了解信用卡盈利状况，探索商业银行的经营模式，本文又对信用卡的贡献度进行实证研究。最后，结合实证结果给出改善我国信用卡现状，提高信用卡收入对商业银行贡献度的政策建议。
[Abstract]:In recent years, with the continuous development of our economy and the deepening of reform and opening up, the credit card industry has made rapid progress, while the credit card is gradually changing the consumption habits of residents. It has become one of the most commonly used consumption tools for Chinese residents. Relevant data show that in 2011, credit card swiping and credit card consumption amounted to four trillion ninety-nine billion nine hundred and ninety-nine million nine hundred and ninety-nine thousand and nine hundred and ninety-nine yuan, accounting for as much as 22.6 percent of the retail sales of consumer goods in the whole society. The huge operating profit created by credit card consumption, Credit card has become one of the most profitable retail business of commercial banks, and has also become an important driving force to promote the transformation of our society to consumer society. At present, the credit card business in our country is still in the primary stage of development, and foreign mature development experiences and models are not fully applicable to the current development environment of our country. It did not bring the expected profit space to the business, and the scale effect did not work. Therefore, the banking business, which is the most profitable in foreign countries, is suffering from a cold shoulder in China, which forces us to study carefully the market environment for credit card development in our country. Explore a set of credit card development model in line with the situation of our country. Based on the characteristics of credit card, this paper studies the profit theory of credit card and constructs a profit function on the basis of cost-benefit function. And carries on the empirical research. In order to understand the credit card profit situation more concretely and comprehensively, to explore the commercial bank management pattern, this article also carries on the empirical research to the credit card contribution degree. Finally, Based on the empirical results, some policy suggestions are given to improve the credit card status in China and to improve the contribution of credit card revenue to commercial banks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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