内蒙古地区银行卡产业发展战略研究

发布时间：2018-06-25 18:17

本文选题：金融 + 支付体系　；参考：《内蒙古大学》2013年硕士论文

【摘要】：金融是现代经济的核心,支付体系作为金融业的命脉,使银行卡成为现代支付体系运行的重要媒介。随着银行卡在众多行业不断拓展应用和持卡人用卡意识的提升,银行卡越来越成为重要支付工具,渗透进入社会生产的各个领域。银行卡产业已经成为金融业不可或缺的支柱产业。内蒙古自治区的银行卡产业与全国比还存在较大差距,部分发卡银行盲目追求发卡数量,忽视了发卡质量和银行卡延伸功能的拓展；银行卡受理环境建设仍需加强,盟市间区域发展不平衡、特别是农村牧区银行卡受理环境亟待改善；发卡、收单机构落实银行卡安全管理相关法规、制度仍需进一步加强。为进一步发挥银行卡产业对国民经济的促进作用,推动农村牧区支付环境的持续改善,落实自治区党委、政府“8337”战略和发展县域经济的部署,提升内蒙古地区支付产业的竞争能力,全面把握内蒙古地区银行卡市场竞争的现状,深入分析内蒙古地区银行卡产业存在的问题和面临的机遇,及时调整发展方向,加快改革创新,及时制定相应的发展对策,已成为一项十分紧迫的任务。本文试图调查分析内蒙古银行卡产业存在的问题和困难、面临的机遇,利用钻石模型对银行卡产业各方进行分析,做出产业发展趋势判断,利用银行卡改善农村牧区支付环境、引导和刺激消费、降低社会交易成本、完善税收和公务消费监督等功能,提出符合内蒙古实际、健康可持续的银行卡产业发展战略。
[Abstract]:Finance is the core of modern economy. As the lifeblood of financial industry, payment system makes bank card become an important medium of modern payment system. With the increasing application of bank cards in many industries and the promotion of cardholders' awareness of using cards, bank cards have become more and more important payment tools, infiltrating into various fields of social production. Bank card industry has become an indispensable pillar industry of the financial industry. In Inner Mongolia Autonomous region, there is still a big gap between the banking card industry and the whole country. Some card issuing banks blindly pursue the number of cards issued, neglecting the expansion of the card issuing quality and the extended function of bank cards, and the construction of the reception environment for bank cards still needs to be strengthened. The regional development among cities is unbalanced, especially in rural and pastoral areas, the environment of bank card acceptance needs to be improved urgently, and the system of issuing cards and receiving orders to implement the relevant laws and regulations on the security management of bank cards still needs to be further strengthened. In order to further give full play to the role of the banking card industry in promoting the national economy, to promote the sustainable improvement of the payment environment in rural and pastoral areas, to implement the "8337" strategy of the party committee and government of the autonomous region and to deploy the development of the county economy, To enhance the competitive power of the payment industry in Inner Mongolia, comprehensively grasp the current situation of the market competition of bank cards in Inner Mongolia, analyze deeply the problems and opportunities faced by the banking card industry in Inner Mongolia, and adjust the direction of development in a timely manner. It has become a very urgent task to speed up reform and innovation and formulate corresponding development countermeasures in time. This paper attempts to investigate and analyze the problems and difficulties existing in the banking card industry in Inner Mongolia, the opportunities it faces, and use the diamond model to analyze all aspects of the banking card industry, to judge the development trend of the industry, and to improve the payment environment in the rural pastoral areas by using the bank cards. To guide and stimulate consumption, to reduce social transaction costs, to improve the functions of taxation and supervision of public consumption, and to put forward a healthy and sustainable development strategy of bank card industry in accordance with the actual situation of Inner Mongolia.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】