中小股份制商业银行信用卡业务发展研究

发布时间：2018-05-15 21:19

本文选题：中小股份制银行 + 信用卡　；参考：《北京交通大学》2013年硕士论文

【摘要】：2012年国内信用卡累计发卡超过3.3亿张,人均持有卡量0.25张；2012年信用卡实现10万亿交易金额,在全社会消费品零售总额20.7万亿的份额中占比达48.1%,同比增长6.4%。信用卡已成为人们日常生活的基本工具之一,并在悄然间改变着大家的生活与消费习惯。国内信用卡行业的快速发展,虽然有其恰逢国内经济快速发展的时代背景及多方参与主体共同投入等诸多原因,但众多中小股份制银行均选择以信用卡为重点突破口大力发展无疑是其繁荣发展的重要因素之一。进入2013年,信用卡产业面临着诸如刷卡佣金下调、利率全额计息争议、新监管规范要求、新兴支付融资模式快速革新及利率市场化等更多的挑战与不确定性,中小股份制银行现有的高投入、粗放型发展模式在面临市场挑战时,无疑将难以为继,经营思路及业务转型已成必然。本文结合上述背景,通过分析国内重点中小股份制商业银行信用卡业务实际的规模及收益能力,对信用卡行业存在的问题、挑战及其可能的影响进行详细分析,并明确提出中小股份制银行信用卡业务应重点从以下几个方面发展：一是及时根据监管要求及本行发展需要,摆脱过分强调卡中心独立的公司化运作的业务模式,构建适应本行信用卡业务策略的信用卡组织形式；二是积极拓展如分期付款、小微企业经营融资等多样化收益来源,建立拥有可持续盈利模型的信用卡商业模式；三是的在新兴技术变革中,积极探索勇于创新,寻找信用卡业务发展的新兴蓝海。
[Abstract]:In 2012, there were more than 330 million domestic credit cards issued and 0.25 cards held per capita. In 2012, credit cards accounted for 10 trillion transactions, accounting for 48.1 percent of the total retail sales of consumer goods in the whole society, up 6.4 percent from the same period last year. Credit card has become one of the basic tools of people's daily life, and quietly changing their living and consumption habits. The rapid development of the domestic credit card industry, although it coincides with the rapid development of the domestic economy, the background of the times and the joint input of various participants, and so on. But many small and medium-sized joint-stock banks choose credit card as the key breakthrough point to develop vigorously is undoubtedly one of the important factors of its prosperity and development. In 2013, the credit card industry faces more challenges and uncertainties such as credit card commission cuts, full interest rate disputes, new regulatory requirements, rapid innovation in new payment financing models and interest rate marketization. The existing high investment and extensive development mode of medium and small joint-stock banks will undoubtedly be difficult to continue in the face of market challenges, and the business thinking and business transformation have become inevitable. Based on the above background, this paper analyzes the actual scale and income ability of the credit card business of the domestic key small and medium-sized joint-stock commercial banks, and analyzes the problems, challenges and possible impacts of the credit card industry in detail. And clearly put forward that the credit card business of small and medium-sized joint-stock banks should be developed from the following aspects: first, according to the requirements of supervision and development of the bank in a timely manner, get rid of the excessive emphasis on the business model of the independent corporate operation of the card center. The second is to actively expand the diversified income sources, such as installment payment, small and micro enterprises operating and financing, and establish a credit card business model with sustainable profit model. Third, in the emerging technology innovation, actively explore innovation, looking for credit card business development emerging blue sea.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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