我国商业银行信用卡市场竞争力研究

发布时间：2019-02-26 21:14

【摘要】：信用卡是一种集资产、负债以及结算功能于一身的金融产品,在发达国家已经发展得相当成熟。信用卡不仅可以为消费者提供支付的便利性以及积分奖励、折扣等优惠,而且可以使其获得消费信用额度,提高其支付能力。对于发卡机构而言,信用卡业务可以为其带来高额的利息收入和手续费收入等。正因为如此,作为信用卡主要发卡机构的商业银行之间有关信用卡的竞争从未停止,并且愈演愈烈。我国的信用卡业务起步较晚,作为一种新兴产业,市场规模效应尚未出现,整个产业的经营成本较高,市场进入的“门槛”较低,因此市场竞争的激烈程度很高,而且随着新的发卡机构不断出现,竞争的激烈程度将与日俱增。更令国内发卡机构担忧的是,随着中国金融零售业务的对外开放,外资银行正式进入中国,参与国内市场的竞争。因此如何提高我国商业银行信用卡业务的竞争能力成为亟待解决的问题。本文的研究方法主要有两种：一是文献查阅和规范分析法；二是因子分析法。首先通过文献综述,叙述了国内外信用卡业务的现状和竞争因素等。其次,为了更加真实刻画我国信用卡市场状况,分析了我国信用卡市场的竞争态势、垄断结构、竞争的载体和采取的措施以及盈利水平。再次,由于目前我国商业银行的竞争主要集中在消费者市场,本文创新性地以利用了某银行的调查问卷的来获得具有说服力和客观的数据,对调查结果进行了因子分析,得出影响消费者选择信用卡的六个因素以及影响程度,并对我国商业银行信用卡竞争力的提高提出了相应的政策建议。
[Abstract]:Credit card is an asset, debt and settlement function in a financial product, in the developed world has developed quite mature. Credit cards can not only provide consumers with convenience to pay, credit points, discounts and other concessions, but also enable them to obtain consumer credit lines and improve their ability to pay. For card issuers, credit card business can bring high interest income and fee income. As a result, competition for credit cards among commercial banks, the main issuers of credit cards, has never stopped and intensified. The credit card business of our country starts late, as a kind of emerging industry, the market scale effect has not yet appeared, the operation cost of the whole industry is higher, the threshold of entering the market is lower, so the fierce degree of market competition is very high. And with the emergence of new card-issuing agencies, the intensity of competition will increase day by day. What worries the domestic card issuers is that as China's financial retail business opens to the outside world, foreign banks formally enter China to participate in competition in the domestic market. Therefore, how to improve the competitiveness of our commercial bank credit card business has become an urgent problem to be solved. There are two main research methods in this paper: one is literature review and normative analysis, the other is factor analysis. Firstly, through literature review, this paper describes the status quo and competitive factors of credit card business at home and abroad. Secondly, in order to describe the situation of credit card market in China more truly, this paper analyzes the competitive situation, monopoly structure, the carrier of competition, the measures taken and the profit level of credit card market in China. Thirdly, because the competition of commercial banks in our country is mainly concentrated in the consumer market at present, this paper creatively uses the questionnaire of a bank to obtain convincing and objective data, and makes factor analysis on the results of the survey. Six factors affecting consumers' choice of credit card and the degree of influence are obtained, and the corresponding policy suggestions are put forward for the improvement of credit card competitiveness of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F224

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