我国银行卡产业发展比较研究

发布时间：2018-06-24 21:54

本文选题：银行卡 + 银行卡产业　；参考：《河南科技大学》2014年硕士论文

【摘要】：银行卡作为20世纪最具创新力的金融服务产品，融合了现代信息技术与传统金融业务，成为日常支付中不可或缺的重要工具，扮演着促进社会消费和活跃金融信贷活动的重要角色，银行卡产业的发展关系到国民经济的健康发展与社会进步，对加快经济增长方式转变与深化金融改革有重要意义。本文在对我国银行卡产业发展研究的基础上，借鉴国际银行卡产业发展历程中的宝贵经验，取长补短，并利用产业经济学、制度经济学等经济学的相关知识对我国银行卡产业发展进行比较研究。这样，不仅能有效发挥理论对实践的指导作用，还能正确认识并把握银行卡产业发展规律，提出具有中国特色的银行卡产业发展之路。文章第一部分主要介绍了发展银行卡产业的理论意义与现实意义，指出银行卡产业的发展，，可以直接促进我国金融改革的推进，带动社会消费的快速增长，加速提升国内消费需求，对经济发展的提升有重要意义，并对银行卡产业国内外相关文献进行了研究；第二部分研究了银行卡及银行卡产业相关概念，对银行卡产业的运作机制进行了深入的分析，同时研究了银行卡产价值链，结合产业价值链的参与主体及其关系进行了分析；第三部分对国内外银行卡产业的发展历程及现状进行了分析，结合国外银行卡产业发展特点指出我国银行卡产业发展水平以及存在差距；第四部分首对通过选取银行卡产业发展的关键指标对国内外银行卡产业指标进行了对比分析，其次分析了国内外银行卡产业价值链的差异并运用SWOT分析法对国内外银行卡产业价值链进行了比较研究，接着运用比较分析法对国内外银行卡产业的定价机制和核心竞争力、金融生态环境进行了对比分析，最后研究了我国创新支付业务发展情况，综合运用定量分析与定性分析相结合的方法与国外创新支付业务进行比较分析；第五部分对我国银行卡发展存在的问题进行研究，提出了我国银行卡受理环境有待进一步改善、银行卡业务发展不均衡、产业收益水平有待提高、金融生态环境有待完善、创新业务有待加强；第六部分结合我国现阶段银行卡发展存在的问题，提出了加快我国银行卡产业发展的对策及建议。
[Abstract]:As the most innovative financial service product in the 20th century, bank card has integrated modern information technology with traditional financial business, and has become an indispensable and important tool in daily payment. It plays an important role in promoting social consumption and activating financial and credit activities. The development of bank card industry is related to the healthy development of national economy and social progress. It is of great significance to accelerate the transformation of economic growth mode and deepen financial reform. On the basis of the research on the development of banking card industry in China, this paper draws lessons from the valuable experience in the development of international banking card industry, and makes use of industrial economics. This paper makes a comparative study on the development of banking card industry in China with the relevant knowledge of economics such as institutional economics. In this way, we can not only give full play to the guiding role of theory to practice, but also correctly understand and grasp the development law of bank card industry, and put forward the road of development of bank card industry with Chinese characteristics. The first part of the article mainly introduces the theoretical and practical significance of developing bank card industry, and points out that the development of bank card industry can directly promote the promotion of financial reform in China, and promote the rapid growth of social consumption. Accelerating the promotion of domestic consumer demand is of great significance to the promotion of economic development, and the banking card industry at home and abroad has been studied; the second part of the study of bank card and bank card industry related concepts, The operation mechanism of bank card industry is deeply analyzed, and the value chain of bank card industry is studied, and the main body and relationship of the industry value chain are analyzed. The third part analyzes the development process and present situation of the banking card industry at home and abroad, and points out the development level and gap of the banking card industry in our country according to the development characteristics of the foreign bank card industry. The fourth part of the first by selecting the key indicators of the development of bank card industry to domestic and foreign banking card industry indicators were compared and analyzed. Secondly, the paper analyzes the differences of the banking card industry value chain at home and abroad, and makes a comparative study on the domestic and foreign bank card industry value chain by using SWOT analysis method, and then uses the comparative analysis method to analyze the pricing mechanism and core competitiveness of the banking card industry at home and abroad. The financial ecological environment is compared and analyzed. Finally, the development of innovative payment business in China is studied. The method of combining quantitative analysis and qualitative analysis is used to compare and analyze the innovative payment business abroad. The fifth part studies the problems existing in the development of bank cards in China, and points out that the accepting environment of bank cards in China needs to be further improved, the business development of bank cards is not balanced, the level of industrial income needs to be improved, and the financial ecological environment needs to be improved. The sixth part puts forward the countermeasures and suggestions to speed up the development of bank card industry in our country according to the problems existing in the development of bank card in our country.
【学位授予单位】：河南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】