商业银行信用卡的市场现状与出路

发布时间：2018-05-28 22:01

本文选题：信用卡 + 商业银行　；参考：《大连海事大学》2013年硕士论文

【摘要】：自1950年第一张信用卡问世后,信用卡业务因其自身所具有的强大的综合功能得到了商业银行的重点关注,短短几十年来,得到了迅猛的发展。我国自2003年“信用卡元年”开始,国内商业银行的信用卡市场更是发展得如火如荼,迅猛的速度、强大的规模使得信用卡业务已经成为各大商业银行重点关注的核心业务,信用卡市场也成为各银行的必争之地。但是伴随信用卡规模的发展,开展信用卡业务的回报却始终未令人乐观,就目前而言,国内商业银行宣布信用卡业务实现盈利的商业银行依然是为数不多的几家。正是基于此,作者通过能够查阅到的信息对近几年国内信用卡市场的现状进行了详细的分析,通过对主要信用卡发卡行的综合分析与比对,对信用卡市场的主要指标做了详细的说明,对影响信用卡市场发展的重要因素亦给了重点关注。通过对信用卡市场现状的真实分析,在对国内信用卡市场做了良好发展前景预测的基础上,对存在的一些不足与问题进行了总结并给出了可行性的建议,以期能够给予信用卡发卡机构或使用者一些可以借鉴之处,如此,也是本篇文章价值所在。文章的框架安排如下：首章为绪论,介绍了选题的背景、目的、意义,然后对论文的分析方法与理论框架进行了说明,最后指出了文章的创新之处；第二章对信用卡的基本理论,包括基本概念、分类和功能进行了介绍,然后介绍了有关信用卡业务的国内外相关研究文献,并对其中的部分内容作了详细的说明；第三章通过对信用卡市场主要指标的详细分析与国内各商业银行的综合对比分析,对我国信用卡市场现状进行了具体的说明,对影响信用卡业务的主要因素给予了重点关注；第四章通过上一章对国内信用卡市场现状的分析说明,指出了当前国内信用卡市场存在的主要问题并给出了可行性建议；第五章为文章的结尾,对我国信用卡市场的发展进行了总结与预测,再次强调了对所存在问题的重点关注。
[Abstract]:Since the first credit card came out in 1950, the credit card business has been focused on by commercial banks because of its powerful comprehensive function, and has developed rapidly in the past few decades. Since the first year of credit card in 2003, the credit card market of domestic commercial banks has developed in full swing, with the rapid speed and powerful scale, the credit card business has become the core business of the major commercial banks. The credit card market has also become a necessary place for banks. However, with the development of credit card scale, the return of credit card business has not been optimistic. At present, the domestic commercial banks that declare the credit card business to be profitable are still a few. Based on this, the author makes a detailed analysis of the current situation of the domestic credit card market in recent years through the information that can be consulted, and through the comprehensive analysis and comparison of the major credit card issuers. The main indexes of credit card market are explained in detail, and the important factors influencing the development of credit card market are also paid attention to. Based on the real analysis of the present situation of the credit card market and the forecast of the good development prospect of the domestic credit card market, this paper summarizes some shortcomings and problems and gives some feasible suggestions. In order to give credit card issuers or users some reference, so, is the value of this article. The framework of the article is as follows: The first chapter is the introduction, which introduces the background, purpose and significance of the topic, then explains the analytical methods and theoretical framework of the paper, and finally points out the innovation of the article; the second chapter introduces the basic theory of credit card, including the basic concepts. The classification and function are introduced, and then the domestic and foreign related research documents about credit card business are introduced, and some of the contents are explained in detail. The third chapter through the detailed analysis of the main indicators of the credit card market and domestic commercial banks comprehensive comparative analysis of the current situation of the credit card market in China, the main factors affecting the credit card business to focus attention; Chapter four points out the main problems existing in the domestic credit card market and gives some feasible suggestions through the analysis of the current situation of the domestic credit card market in the last chapter; the fifth chapter is the end of the article. The development of credit card market in China is summarized and forecasted.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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