我国银行卡产业发展问题研究

发布时间：2018-01-12 00:21

本文关键词：我国银行卡产业发展问题研究　出处：《广西大学》2012年硕士论文　论文类型：学位论文

【摘要】：从发行第一张银行卡开始,我国银行卡产业已经历了20多年的发展,经过产业各方多年市场培育,消费者的支付习惯已经逐步由现金支付向银行卡刷卡支付转变,市场规模不断扩大。国际经验证明,银行卡产业的发展可以引导和刺激消费,带动国民经济增长。在中国金融业全面开放时期,面对国际银行卡组织激烈竞争与挑战,如何改善国内银行卡市场生态环境,加强市场经营主体的竞争力,加快产业发展步伐,是当前亟待解决的问题。本文研究和分析的内容可归纳如下：通过对银行卡发卡市场与收单市场的规模、结构、政策及环境的研究,指出产业发展过程中存在问题,介绍国际上发达国家和地区银行卡产业发展的现状与经验,为我国银行卡产业发展提出改进措施。第一章,简单介绍本文研究背景、目的和意义,研究及探讨近期国内外学者对于发卡市场、收单市场以及运作模式的理论研究,为本文研究提供理论支持和宝贵经验。第二章,介绍了我国银行卡产业的业态结构组成,剖析各经营主体不同的利益诉求与经营成本,阐述产业消费者、供给者、中间商经及管理者关系。第三章,简要介绍国内银行卡产业发展历程,对近五年来产业发展规模、结构的趋势进行分析研究,并总结概括产业发展现状。第四章,提出国内银行卡市场存在着受理环境差、市场结构失衡、产业利润低及创新业务有待加强等问题,并对问题深层次原因进行分析。第五章,从国际银行卡市场发展的规模、结构、特点、产品、成熟度、经营主体以及监管制度,对比国内市场发展的差距。第六章,提出促进我国银行卡产业发展的对策,需要进一步改善银行卡受理环境,加快发展信用卡业务,着力提高产业效益,加快推进业务创新等。
[Abstract]:From the issue of the first bank card, bank card industry in China has experienced 20 years of development, after years of market cultivation industry parties, consumer payment habits have gradually paid by cash to the bank card payment change, the market is expanding. International experience shows that the development of bank card industry can guide and stimulate consumption to drive the growth of national economy. The comprehensive opening period in Chinese financial industry, in the face of the international bankcard organization competition and challenges, how to improve the domestic credit card market ecological environment, strengthen the main body of market competition force, accelerate the pace of industrial development, is an urgent problem to be solved.
Based on the study and analysis of the content can be summarized as follows: the structure of the issuing market and acquiring market scale, bank card, research policy and environment, points out the existing problems in the process of industrial development, introduces the present situation of developed countries and regions in the development of bank card industry and experience, for our country the development of bank card industry is put forward improvement measures.
The first chapter introduces the research background, purpose and significance, research and discussion of the recent domestic and foreign scholars to the issuing market, received a theoretical study on single market and the mode of operation, to provide theoretical support and valuable experience for the research in this paper. The second chapter introduces the industrial structure of China's bankcard industry, analyzes the different business entities the interests and operating costs, this industry consumers, suppliers, business managers and intermediate relations. The third chapter briefly introduces the development course of the domestic credit card industry, on the scale of industrial development in the past five years, analyze the structure of the trend, and summarized the current situation of the development of industry. The fourth chapter puts forward the domestic bank card market there is acceptance of bad environment, market structure, industry low profit and business innovation needs to be strengthened and other issues, and analyzes the deep-seated reasons of the problem. In the fifth chapter, from the international bank card The development of the market scale, structure, characteristics, product maturity, management and supervision of the main system, the development of the domestic market compared the gap. In the sixth chapter, I put forward some countermeasures to promote the development of China's banking industry, the need to further improve the bank card acceptance environment, accelerate the card business development, to improve industrial efficiency, accelerate the business innovation.

【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】