本文關(guān)鍵詞：我國商業(yè)銀行信用卡業(yè)務(wù)發(fā)展中的問題及研究對策　出處：《遼寧師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信用卡發(fā)展現(xiàn)狀 信用卡消費(fèi) 信用卡營運(yùn)風(fēng)險(xiǎn) 研究對策

【摘要】：隨著經(jīng)濟(jì)的發(fā)展,金融市場的成熟,作為現(xiàn)代支付工具的信用卡進(jìn)入我國,并不斷發(fā)展。其自身的便捷性、安全性優(yōu)于我國當(dāng)時(shí)放行的借記卡,這給我國金融市場注入了新鮮的血液。從中國銀行發(fā)放的第一張信用卡開始,我國擁有了屬于自己的信用卡,直到今天信用卡已成為集存取現(xiàn)金、結(jié)算、商戶消費(fèi)等多功能于一體的金融產(chǎn)品。我國銀行業(yè)開始將信用卡業(yè)務(wù)看作是最重要的業(yè)務(wù)之一。我國信用卡市場的成熟度與經(jīng)濟(jì)發(fā)達(dá)國家信用卡產(chǎn)業(yè)相比還很低,仍存在許多問題,加之外資銀行對信用卡業(yè)務(wù)的競爭,對我國信用卡的發(fā)展影響很大。而我國信用卡業(yè)務(wù)由于信用體系的不完善,受理市場的不成熟,相關(guān)法律的滯后,導(dǎo)致我國銀行信用卡業(yè)務(wù)整體呈虧損之態(tài)勢。因此,我國金融機(jī)構(gòu)及發(fā)卡行急需深度分析我國信用卡業(yè)務(wù)發(fā)展中存在的問題,探索符合我國信用卡的發(fā)展模式。 本文將我國商業(yè)銀行信用卡業(yè)務(wù)發(fā)展中的問題及研究對策分為六個(gè)部分： 第一部分介紹我國信用卡的現(xiàn)狀。首先,闡述信用卡的由來,從廣義和狹義兩個(gè)方面詮釋其概念,介紹信用卡的種類、功能及其收入。其次,對我國信用卡的產(chǎn)生、發(fā)展歷程及我國信用卡的營銷作以簡單的介紹。第二部分著重介紹發(fā)達(dá)的國家和地區(qū)信用卡發(fā)展歷程,給予我國信用卡的發(fā)展啟示。第三部分歸納總結(jié)了現(xiàn)階段我國信用卡發(fā)展中存在的諸多問題。第四部分對上一部分所提出的不同問題進(jìn)行深入剖析,研究我國信用卡業(yè)務(wù)發(fā)展的不利因素。第五部分在第四部分深入分析的基礎(chǔ)上,結(jié)合我國信用卡業(yè)務(wù)的自身特點(diǎn),同時(shí)借鑒國外發(fā)達(dá)國家信用卡業(yè)務(wù)的有益經(jīng)驗(yàn),提出了合理的意見和建議。第六部分對上述闡述的觀點(diǎn)進(jìn)行了總結(jié)。
[Abstract]:With the development of the economy and the maturity of the financial market, the credit card, as a modern payment tool, has come into our country and developed continuously. Its own convenience and security is superior to the debit card released at that time. From the first credit card issued by the Bank of China, China has its own credit card, until today, the credit card has become a collection of cash, settlement. China's banking industry began to regard credit card business as one of the most important business. The maturity of the credit card market in China is still very low compared with the credit card industry in developed countries. . There are still many problems, together with the competition of foreign banks to the credit card business, which has a great impact on the development of credit card in China. However, the credit card business in China is not mature because of the imperfection of credit system. The lag of relevant laws leads to the loss of credit card business in our country. Therefore, it is urgent for our financial institutions and credit card issuers to deeply analyze the problems in the development of credit card business in our country. To explore the development model in line with China's credit card. In this paper, the problems and research countermeasures in the development of credit card business of commercial banks in China are divided into six parts: The first part introduces the current situation of credit card in China. Firstly, it explains the origin of credit card, explains its concept from two aspects of broad sense and narrow sense, and introduces the types, functions and income of credit card. The emergence, development and marketing of credit cards in China are briefly introduced. The second part focuses on the development of credit cards in developed countries and regions. The third part summarizes the existing problems in the development of credit card in China. Part 4th analyzes the different problems raised in the previous part. Study on the adverse factors of the development of credit card business in China. Part 5th in the 4th part of the in-depth analysis of the basis, combined with our own characteristics of credit card business. At the same time, using the beneficial experience of developed countries for reference, the author puts forward some reasonable opinions and suggestions. Part 6th summarizes the above views.
【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2;F224

【參考文獻(xiàn)】

相關(guān)期刊論文 前8條

1 董楠;張傳龍;;根據(jù)中美信用卡發(fā)展的對比分析中國信用卡業(yè)務(wù)的現(xiàn)狀與未來[J];法制與經(jīng)濟(jì)(中旬刊);2009年06期

2 黎秋;;關(guān)于促進(jìn)我國信用卡產(chǎn)業(yè)發(fā)展的思考[J];華南金融電腦;2009年08期

3 郭曉立,趙輝越,陳紹輝;對我國商業(yè)銀行信用卡業(yè)務(wù)競爭力的探討[J];稅務(wù)與經(jīng)濟(jì)(長春稅務(wù)學(xué)院學(xué)報(bào));2002年05期

4 王峰,鄭俊義;國外信用制度與我國信用體系建設(shè)問題研究[J];蘭州商學(xué)院學(xué)報(bào);2003年04期

5 王霞;;發(fā)達(dá)國家信用卡市場發(fā)展對我國的啟示[J];中共山西省委黨校學(xué)報(bào);2010年01期

6 林采宜;中國銀行卡產(chǎn)業(yè)的韶華盛季[J];中國信用卡;2005年01期

7 馬向軍;韓國信用卡危機(jī)對我國信用卡發(fā)展的啟示[J];中國城市金融;2005年06期

8 楊志平;;中國郵政儲(chǔ)蓄銀行信用卡業(yè)務(wù)發(fā)展探析[J];郵政研究;2011年04期

，

本文編號：1414516