我国信用卡市场健康发展问题研究

发布时间：2018-04-23 21:13

本文选题：信用卡 + 电子货币　；参考：《东北农业大学》2014年硕士论文

【摘要】：本文的写作主要是围绕着我国信用卡市场如何健康发展的问题而展开的,在经济危机发生以后,作为“三驾马车”之一的出口就开始面临严峻的问题,同时,政府扩大投资这一举措又存在着严重的局限性和不可持续性。在这样的背景下,作为国家宏观调控基本手段的经济杠杆对促进我国经济增长起到了不可忽视的作用。经济体制改革以来,作为三大经济杠杆之一的信贷杠杆受到了极大的重视。信用卡这一新生的金融产品所具有的消费信贷功能恰好成为了信贷杠杆的有效载体,有效的保持我国经济总量平衡,同时,推动我国经济快速发展。本文首先详细介绍信用卡及其两大职能,然后从马克思主义货币理论角度阐述它的电子货币职能,同时,从西方消费理论角度分析它的消费信贷职能。目的是从科学的角度论述信用卡的健康发展对经济增长的重要性,对国家宏观调控起到积极的辅助作用。同时,运用大量的数据分析我国信用卡市场的发展的历程,发展的现状及在扩大国内投资总额方面和在提高国民消费水平领域所取得的成效。本文通过全面细致的分析我国信用卡的发展方向,很多现阶段我国信用卡市场存在的问题就越来越明显化了。信用卡普及率低、高占比的睡眠卡浪费银行大量成本、信用卡市场盈利能力差、非法套现造成经济虚假繁荣、信用卡坏账冲击银行金融体系,五大问题相互影响相互制约着我国信用卡的进一步发展。本文对我国信用卡市场存在的问题进行了深入分析,并指出产生问题的原因主要是：中国式消费文化制约、信用卡发放目标群体过于集中、信用卡消费环境制约、银行内部风险防范系统不完善以及银行信审机构把控不严谨。针对存在的问题提出对策和建议,即要从政府,银行和整个信用卡营销市场三方面入手,寻求促进我国信用卡市场健康发展的办法。说明了政府要引导信用卡产业,银行要强化内部建设,信用卡营销市场也需要进一步规范。本文依托马克思主义货币理论和西方消费理论,依托《中国信用卡产业发展蓝皮书》、《2012年中国信用卡报告》、《2013年第四季度支付体系运行总体情况》相关数据进行整合建造模型。运用数据分析为研究提供了有力的数据支撑。在前人研究的基础上,完善了我国信用卡市场健康发展的相关研究,使模型更丰富具体化,研究也更具逻辑性。同时本文第一次整合信用卡发展近十年研究数据,从信用卡发卡量、各发卡行所占市场份额、人均持卡张数、卡均消费额、持卡人年龄占比和信用卡受理环境角度分析我国信用卡市场的发展现状。最终阐明了我国信用卡市场的健康发展离不开国家的宏观调控、银行的全力配合和个人的合理使用。
[Abstract]:The writing of this paper mainly revolves around the question of how to develop the credit card market healthily in our country. After the economic crisis, the export, as one of the "troika", began to face serious problems, at the same time, The government expands the investment this one measure also has the serious limitation and the unsustainability. Against this background, the economic lever, as the basic means of national macro-control, plays an important role in promoting China's economic growth. Since the reform of economic system, credit leverage, one of the three economic levers, has received great attention. Credit card, as a new financial product, has the function of consumer credit, which has become an effective carrier of credit leverage, effectively maintains the balance of China's total economic volume, and at the same time, promotes the rapid development of China's economy. This paper first introduces the credit card and its two functions in detail, then expounds its function of electronic money from the angle of Marxist monetary theory, and at the same time, analyzes its function of consumer credit from the angle of western consumption theory. The purpose is to discuss the importance of the healthy development of credit card to the economic growth from the scientific point of view, and to play a positive auxiliary role in the national macro-control. At the same time, using a large number of data to analyze the development of the credit card market in China, the development of the current situation and in expanding the total amount of domestic investment and in improving the level of national consumption achieved. Through the comprehensive and detailed analysis of the development direction of credit card in China, many problems in the credit card market are becoming more and more obvious at this stage. The low penetration rate of credit cards, the high percentage of sleep cards that waste a lot of bank costs, the poor profitability of the credit card market, the false economic boom caused by illegal cash transfers, and the impact of bad credit card loans on the banking and financial system. The five major problems affect each other and restrict the further development of credit card in our country. This paper deeply analyzes the problems in the credit card market in China, and points out that the main reasons for the problems are: the restriction of Chinese consumption culture, the over-concentration of credit card issuing target groups, the restriction of credit card consumption environment. Bank internal risk prevention system is not perfect and the bank audit agencies control is not strict. According to the existing problems, the countermeasures and suggestions are put forward, that is, the government, the bank and the whole credit card marketing market should start from three aspects to seek the way to promote the healthy development of the credit card market in our country. It shows that the government should guide the credit card industry, the bank should strengthen the internal construction, and the credit card marketing market should be further standardized. This paper relies on Marxist monetary theory and western consumption theory, relies on "Blue Book on the Development of China's Credit Card Industry", "China Credit Card report 2012", "General operating situation of payment system in the fourth quarter of 2013". The use of data analysis provides a strong data support for the study. On the basis of previous studies, this paper improves the relevant research on the healthy development of credit card market in China, which makes the model richer and more concrete, and the research more logical. At the same time, for the first time, this paper integrates the research data of nearly 10 years of credit card development, from the credit card issuance volume, the market share of each card issuer, the number of cards held per capita, the average consumption of the card. This paper analyzes the current situation of credit card market in China from the perspective of card holder age ratio and credit card acceptance environment. Finally, the paper clarifies that the healthy development of the credit card market in our country can not be separated from the macro-control of the country, the full cooperation of the bank and the rational use of the individual.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】