中国光大银行信用卡业务发展分析
发布时间：2019-05-15 11:54
【摘要】：在我国经济快速发展的大背景下,随着居民消费观念的转变和对金融服务需求的不断增多,使得信用卡支付成为日常消费的主要支付方式。信用卡支付替代现金支付的作用日益明显,这些都为信用卡产业在我国健康、快速、持续发展提供了良好的保障。 高投入,高风险,高收益是信用卡作为银行的一种金融产品的基本特点,在国外信用卡业务已成为许多银行的主要业务和重要利润来源,面对高额的利润,国内各商业银行都在不遗余力的发展信用卡业务,中国光大银行作为国内中型的股份制商业银行,发卡量已达到1000万张,取得一定的成效。但面对激烈的竞争,中国光大银行仍需认清形势,采取有效措施,推动信用卡业务持续、快速、健康发展。 本研究通过查阅文献,分析了中国光大银行信用卡业务的发展现状、发展策略、存在问题及发展对策,特别是通过与其他股份银行间进行了SWOT分析,同时结合中国光大银行信用卡业务发展现状,提出了推动本行信用卡业务可持续发展的对策。
[Abstract]:Under the background of the rapid economic development of our country, with the change of residents' consumption concept and the increasing demand for financial services, credit card payment has become the main payment mode of daily consumption. The role of credit card payment instead of cash payment is becoming more and more obvious, which provides a good guarantee for the healthy, rapid and sustainable development of credit card industry in our country. High investment, high risk and high income are the basic characteristics of credit card as a kind of financial product of banks. In foreign countries, credit card business has become the main business and an important source of profit for many banks. In the face of high profits, credit card business has become the main business and an important source of profit for many banks. Domestic commercial banks are sparing no effort to develop credit card business. Everbright Bank of China, as a medium-sized joint-stock commercial bank in China, has issued 10 million cards, which has achieved some results. However, in the face of fierce competition, Everbright Bank of China still needs to recognize the situation and take effective measures to promote the sustained, rapid and healthy development of credit card business. Through consulting the literature, this study analyzes the development status, development strategy, existing problems and development countermeasures of credit card business of Everbright Bank of China, especially through SWOT analysis with other joint-stock banks. At the same time, combined with the present situation of credit card business of Everbright Bank of China, this paper puts forward some countermeasures to promote the sustainable development of credit card business of Everbright Bank of China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2477482
[Abstract]:Under the background of the rapid economic development of our country, with the change of residents' consumption concept and the increasing demand for financial services, credit card payment has become the main payment mode of daily consumption. The role of credit card payment instead of cash payment is becoming more and more obvious, which provides a good guarantee for the healthy, rapid and sustainable development of credit card industry in our country. High investment, high risk and high income are the basic characteristics of credit card as a kind of financial product of banks. In foreign countries, credit card business has become the main business and an important source of profit for many banks. In the face of high profits, credit card business has become the main business and an important source of profit for many banks. Domestic commercial banks are sparing no effort to develop credit card business. Everbright Bank of China, as a medium-sized joint-stock commercial bank in China, has issued 10 million cards, which has achieved some results. However, in the face of fierce competition, Everbright Bank of China still needs to recognize the situation and take effective measures to promote the sustained, rapid and healthy development of credit card business. Through consulting the literature, this study analyzes the development status, development strategy, existing problems and development countermeasures of credit card business of Everbright Bank of China, especially through SWOT analysis with other joint-stock banks. At the same time, combined with the present situation of credit card business of Everbright Bank of China, this paper puts forward some countermeasures to promote the sustainable development of credit card business of Everbright Bank of China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
【引证文献】
相关博士学位论文 前3条
1 张奎;银行卡对消费促进作用的实证研究[D];武汉大学;2009年
2 蒋嵘涛;银行卡市场价格机制与策略研究[D];中南大学;2008年
3 田华;银行卡产业支付系统竞争与公共政策[D];辽宁大学;2008年
，本文编号：2477482
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