卡银行及其业务系统研究

发布时间：2018-08-26 13:11

【摘要】：现代人类生存、生活和从事经济活动越来越多地依赖于各种各样的卡,主要用来记录公民身份信息和金融账户信息。前者以身份证为代表,而后者有种类繁多的各种银行卡。社保或医保卡两种属性兼而有之,而预付费卡虽然两种属性都不具备,但本质上是一种脱离金融监管的金融卡。对各种不同类型的卡在发行、使用、流通和监管上,尽快从政策制定、制度规划、立法建设以及相关领域科技发展诸方面深入开展研究,对我国银行业安全运行、金融领域创新和人民币国际化有着极为重要的意义。本研究回顾了卡的发展历程及其应用特点和当前主要应用领域,分析了进入WTO过渡期之后,我国银行业面临的众多挑战和机遇,主要是EMV迁移给中国金融卡领域未来发展造成的制约和不确定性影响。提出从公民身份系统出发,在各商业银行之上建立统一的客户关系视图,将卡的身份属性与账户属性直接结合,形成统一的金融门户,即卡银行。卡银行突破了各商业银行之间的客户关系壁垒,使跨行业务可以十分便捷迅速。推出卡银行将使各商业银行只能通过提供更低价便利的金融服务,推出更优质安全的金融产品来吸引和稳定客户群。基于卡银行,本研究提出了一种新型的货币存在形式：卡货币。讨论了卡货币的发行、流通、监管的特点和方法,指出卡货币有可能是未来信息化货币的主要形式之一。关于卡银行和卡货币的理念是金融领域的原始性创新。本研究针对卡银行进行业务建模,得到了卡银行的概念模型,逻辑模型和物理模型,这是建设卡银行业务系统和卡银行运营的前提条件。进一步工作是研究了卡银行业务系统的实现方案；分别描述了客户从统一门户或从商业银行登录这两种情况下,业务系统如何实现跨行交易；讨论了基于卡银行如何建设公共金融服务体系,包括卡货币的发行与流通,交易数据溯源和公民征信系统等。
[Abstract]:Modern human existence, life and economic activities increasingly rely on a variety of cards, mainly used to record civil status information and financial account information. The former is represented by ID cards, while the latter has a wide variety of bank cards. Social security or medical insurance card has both attributes, and prepaid card is a kind of financial card without financial supervision. In the aspects of issuing, using, circulating and supervising various different types of cards, we should carry out in-depth research on policy formulation, system planning, legislative construction and the development of science and technology in related fields as soon as possible, so as to ensure the safe operation of our banking industry. Financial innovation and RMB internationalization are of great significance. This study reviews the development of the card, its application characteristics and current main application fields, and analyzes the challenges and opportunities that the banking industry in China is facing after entering the transitional period of WTO. It is mainly the restriction and uncertainty of EMV migration to the future development of Chinese financial card field. Based on the citizenship system, a unified customer relationship view is established on each commercial bank, and the identity attribute of the card is directly combined with the account attribute to form a unified financial portal, I. e., the card bank. Card bank breaks through the barrier of customer relationship between commercial banks, making cross-bank business very convenient and rapid. The introduction of card banks will enable commercial banks to attract and stabilize the customer base only by providing cheaper and convenient financial services and introducing better quality and safety financial products. Based on the card bank, this study proposes a new form of currency: card money. This paper discusses the characteristics and methods of issuing, circulation and supervision of card currency, and points out that card currency may be one of the main forms of information currency in the future. The concept of card banks and card money is the original innovation in the field of finance. In this paper, the concept model, logic model and physical model of the card bank are obtained, which is the precondition for the construction of the card bank business system and the operation of the card bank. The further work is to study the implementation scheme of the card bank business system, and describe how the business system realizes the interbank transaction under the two situations of the customer from the unified portal or from the commercial bank login. This paper discusses how to construct the public financial service system based on the card bank, including the issuance and circulation of the card currency, the traceability of the transaction data and the citizen credit system, etc.
【学位授予单位】：太原理工大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.2

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