【摘要】：信用卡作為一種新型的支付工具,正在逐漸改變?nèi)藗兊南M(fèi)習(xí)慣。近年來,信用卡的快速推廣普及使我國居民消費(fèi)支付方式和消費(fèi)行為發(fā)生了深刻變化,一是信用卡的循環(huán)信貸和分期付款功能可以提高居民的持卡意愿,從而降低社會(huì)支付交易成本,打造更加高效的支付環(huán)境；二是信用卡具有的消費(fèi)金融信貸功能,能夠?qū)⒊挚ㄈ祟A(yù)期增量收入提前轉(zhuǎn)化為現(xiàn)實(shí)的消費(fèi)購買力,對(duì)刺激居民消費(fèi)、拉動(dòng)消費(fèi)和促進(jìn)GDP的增長起到重要作用,國際上,將信用卡消費(fèi)占比作為預(yù)測(cè)居民消費(fèi)信心指數(shù)的重要依據(jù)。短短幾年時(shí)間,信用卡應(yīng)用由最初的支付結(jié)算、小額信貸拓展到打造居民消費(fèi)金融信貸平臺(tái),信用卡的聯(lián)網(wǎng)通用已滲透到交通罰沒款扣繳、財(cái)政陽光支付、軍人保障、社會(huì)保障等眾多的社會(huì)公共管理行業(yè)領(lǐng)域,且聯(lián)網(wǎng)通用內(nèi)涵不斷豐富。 信用卡業(yè)務(wù)是國際一流商業(yè)銀行重要的利潤來源。國際市場(chǎng),信用卡產(chǎn)業(yè)已趨于成熟步入穩(wěn)定發(fā)展階段,國內(nèi),信用卡市場(chǎng)正處于蓬勃發(fā)展階段,銀行之間的競爭日趨激烈。目前國內(nèi)發(fā)行一張信用卡的單卡成本已超過120元,甚至更高,國內(nèi)銀行將賭注下在了信用卡“必定會(huì)掙錢的明天”上。要等到信用卡真正帶來利潤,必須要等到信用卡發(fā)揮規(guī)模效用的那一天,不過市場(chǎng)競爭也不可能讓所有發(fā)卡銀行都成為最后的贏家。各家銀行對(duì)信用卡業(yè)務(wù)的大力投入是一場(chǎng)資本與遠(yuǎn)見的較量。信用卡市場(chǎng)前景廣闊,有極大的兼容性和發(fā)展外延,目前,各家銀行紛紛加大信用卡產(chǎn)品創(chuàng)新、客戶拓展、市場(chǎng)營銷的力度,信用卡市場(chǎng)競爭由初期的“跑馬圈地”進(jìn)入到對(duì)客戶的“精耕細(xì)做”。甘肅省經(jīng)濟(jì)環(huán)境相對(duì)落后,內(nèi)外部環(huán)境對(duì)信用卡市場(chǎng)的發(fā)展是一個(gè)制約,但從事物的另一方面來看,落后的市場(chǎng)孕育著發(fā)展的空間,面對(duì)逐漸白熱化的市場(chǎng)競爭局勢(shì),如何憑借自身競爭力成為信用卡市場(chǎng)中的佼佼者是建設(shè)銀行甘肅省分行必須面對(duì)的問題。本文就甘肅省信用卡業(yè)務(wù)的發(fā)展現(xiàn)狀進(jìn)行了深入分析,并對(duì)提升建設(shè)銀行甘肅省分行信用卡業(yè)務(wù)市場(chǎng)競爭力從七個(gè)方面提出了對(duì)策建議。
[Abstract]:Credit card, as a new payment tool, is gradually changing people's consumption habits. In recent years, the rapid promotion and popularization of credit cards have brought about profound changes in the way and behavior of residents' consumption payment. First, the function of revolving credit and installment payment of credit cards can improve the willingness of residents to hold cards. So as to reduce the transaction cost of social payment and create a more efficient payment environment; Second, the credit card has the function of consumer finance and credit, which can convert the expected incremental income of cardholders into real consumption purchasing power ahead of time, which plays an important role in stimulating residents' consumption, stimulating consumption and promoting the growth of GDP. The proportion of credit card consumption is used as an important basis for predicting residents' consumption confidence index. In just a few years, the application of credit cards has been extended from initial payment and settlement, microcredit to building a consumer financial credit platform for residents, and the networking of credit cards has penetrated into the withholding of traffic fines and forfeiture, financial sunshine payment, and military security. Social security and many other fields of social and public management, and the general connotation of networking is constantly rich. Credit card business is an important source of profit for international first-class commercial banks. In the international market, the credit card industry has become mature and entered the stage of stable development. At home, the credit card market is in the stage of vigorous development, and the competition among banks is becoming increasingly fierce. At present, the cost of issuing a credit card in China has exceeded 120 yuan, or even higher. Domestic banks will bet on the credit card "tomorrow, which is bound to make money." To wait until credit cards really bring profits, we have to wait until credit cards become scale-effective, but competition in the market is unlikely to make all card issuers the final winners. The strong investment of banks in credit card business is a contest between capital and foresight. The credit card market has broad prospects, has great compatibility and development extension, at present, banks have increased credit card product innovation, customer expansion, marketing efforts, Credit card market competition from the initial "horse encirclement" to the customer "fine ploughing fine do." The economic environment of Gansu Province is relatively backward, and the internal and external environment is a restriction to the development of credit card market, but from the other aspect of things, the backward market is pregnant with the space of development, facing the gradually heated market competition situation. How to become a leader in the credit card market by virtue of their own competitiveness is the problem that China Construction Bank Gansu Branch must face. This paper analyzes the present situation of credit card business in Gansu Province, and puts forward some countermeasures and suggestions from seven aspects to enhance the market competitiveness of credit card business in Gansu Branch of Construction Bank.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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本文編號(hào)：2473999