论我国商业银行旅行信用卡的发展

发布时间：2018-04-10 01:30

本文选题：旅行信用卡　切入点：商旅市场　出处：《河北经贸大学》2012年硕士论文

【摘要】：随着商旅业的迅速发展,在我国的一些城市,旅行信用卡已成为出国、外出旅行的日常支付和消费信贷的工具,中国第一张真正的、符合国际标准的人民币信用卡和人民币国际卡是广东发展银行在1995年发行的,它开创了中国商业银行信用卡市场发展的先河。旅行信用卡是信用卡的一条产品线,是信用卡市场激烈竞争的产物,2004年9月15日,招商银行与携程旅行网、Visa国际组织合作,共同打造了我国商业银行的首张旅行信用卡——“携程旅行VISA信用卡”,这是我国第一张真正的旅行信用卡旅行信用卡的主要功能是支付结算、旅游消费信贷和差旅费用管理,另有开放性循环贷款和分期付款等其它功能,它是建立在消费信贷理论、预期收入理论、资产负债表外管理理论、电子货币理论基础上的新型的支付工具,旅行信用卡增加了我国商业银行的利润来源,有助于实现业务结构和收入结构的转变与优化；旅行信用卡带动停滞不前的旅游信贷业务,拉动旅游消费,促进旅游业发展,带动我国经济的发展。然而,旅行信用卡业务存在的七年中,一些问题正在逐渐凸显,没有达到发卡机构预期的效果,本文从我国旅行信用卡的现状入手,寻找其存在的问题,借鉴美国的三大信用卡的经验提出了优化我国旅行信用卡业务的建议。本文的最终落脚点是把借贷合一、功能完备、满足消费者需求的旅行信用卡产品,赋予它银联的品牌,借助于商旅业的发展走出国际化的第一步,最终把我国商业银行的旅行信用卡推向国际,让其走向世界。
[Abstract]:With the rapid development of the business travel industry, in some cities of our country, the travel credit card has become the tool of daily payment and consumer credit for traveling abroad, the first real one in China.RMB credit card and RMB international card, which meet international standards, were issued by Guangdong Development Bank in 1995, which pioneered the development of credit card market of Chinese commercial bank.Travel credit card is a product line of credit card, which is the product of fierce competition in credit card market. On September 15, 2004, China Merchants Bank cooperated with Ctrip Travel Network (Ctrip) and Visa International Organization.Jointly created the first travel credit card of commercial bank of our country-"carry Cheng travel VISA credit card", this is our country's first real travel credit cardThe main functions of travel credit card are payment and settlement, travel consumption credit and travel expense management, and other functions, such as open revolving loan and installment payment, etc. It is based on the theory of consumer credit, the theory of expected income, etc.The off-balance sheet management theory, the new payment tool based on the electronic money theory, the travel credit card increase the profit source of the commercial bank of our country, and help to realize the transformation and the optimization of the business structure and the income structure;The travel credit card drives the stagnant tourism credit business, stimulates the tourism consumption, promotes the tourism development, and stimulates the economic development of our country.However, in the seven years of existence of travel credit card business, some problems have been gradually highlighted and have not reached the expected results of credit card issuers. This paper starts with the current situation of travel credit card in our country, and looks for the existing problems.Based on the experience of the three major credit cards in the United States, the paper puts forward some suggestions for optimizing the travel credit card business in China.The ultimate goal of this paper is to combine the borrowing and borrowing, complete function, meet the needs of the consumer travel credit card products, give it the brand of UnionPay, with the help of the development of the business travel industry out of the first step of internationalization,Finally, the travel credit card of commercial bank of our country is pushed to the international, let it go to the world.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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