本文關(guān)鍵詞：我國(guó)銀行卡產(chǎn)業(yè)發(fā)展問(wèn)題研究　出處：《廣西大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：從發(fā)行第一張銀行卡開(kāi)始,我國(guó)銀行卡產(chǎn)業(yè)已經(jīng)歷了20多年的發(fā)展,經(jīng)過(guò)產(chǎn)業(yè)各方多年市場(chǎng)培育,消費(fèi)者的支付習(xí)慣已經(jīng)逐步由現(xiàn)金支付向銀行卡刷卡支付轉(zhuǎn)變,市場(chǎng)規(guī)模不斷擴(kuò)大。國(guó)際經(jīng)驗(yàn)證明,銀行卡產(chǎn)業(yè)的發(fā)展可以引導(dǎo)和刺激消費(fèi),帶動(dòng)國(guó)民經(jīng)濟(jì)增長(zhǎng)。在中國(guó)金融業(yè)全面開(kāi)放時(shí)期,面對(duì)國(guó)際銀行卡組織激烈競(jìng)爭(zhēng)與挑戰(zhàn),如何改善國(guó)內(nèi)銀行卡市場(chǎng)生態(tài)環(huán)境,加強(qiáng)市場(chǎng)經(jīng)營(yíng)主體的競(jìng)爭(zhēng)力,加快產(chǎn)業(yè)發(fā)展步伐,是當(dāng)前亟待解決的問(wèn)題。 本文研究和分析的內(nèi)容可歸納如下：通過(guò)對(duì)銀行卡發(fā)卡市場(chǎng)與收單市場(chǎng)的規(guī)模、結(jié)構(gòu)、政策及環(huán)境的研究,指出產(chǎn)業(yè)發(fā)展過(guò)程中存在問(wèn)題,介紹國(guó)際上發(fā)達(dá)國(guó)家和地區(qū)銀行卡產(chǎn)業(yè)發(fā)展的現(xiàn)狀與經(jīng)驗(yàn),為我國(guó)銀行卡產(chǎn)業(yè)發(fā)展提出改進(jìn)措施。 第一章,簡(jiǎn)單介紹本文研究背景、目的和意義,研究及探討近期國(guó)內(nèi)外學(xué)者對(duì)于發(fā)卡市場(chǎng)、收單市場(chǎng)以及運(yùn)作模式的理論研究,為本文研究提供理論支持和寶貴經(jīng)驗(yàn)。第二章,介紹了我國(guó)銀行卡產(chǎn)業(yè)的業(yè)態(tài)結(jié)構(gòu)組成,剖析各經(jīng)營(yíng)主體不同的利益訴求與經(jīng)營(yíng)成本,闡述產(chǎn)業(yè)消費(fèi)者、供給者、中間商經(jīng)及管理者關(guān)系。第三章,簡(jiǎn)要介紹國(guó)內(nèi)銀行卡產(chǎn)業(yè)發(fā)展歷程,對(duì)近五年來(lái)產(chǎn)業(yè)發(fā)展規(guī)模、結(jié)構(gòu)的趨勢(shì)進(jìn)行分析研究,并總結(jié)概括產(chǎn)業(yè)發(fā)展現(xiàn)狀。第四章,提出國(guó)內(nèi)銀行卡市場(chǎng)存在著受理環(huán)境差、市場(chǎng)結(jié)構(gòu)失衡、產(chǎn)業(yè)利潤(rùn)低及創(chuàng)新業(yè)務(wù)有待加強(qiáng)等問(wèn)題,并對(duì)問(wèn)題深層次原因進(jìn)行分析。第五章,從國(guó)際銀行卡市場(chǎng)發(fā)展的規(guī)模、結(jié)構(gòu)、特點(diǎn)、產(chǎn)品、成熟度、經(jīng)營(yíng)主體以及監(jiān)管制度,對(duì)比國(guó)內(nèi)市場(chǎng)發(fā)展的差距。第六章,提出促進(jìn)我國(guó)銀行卡產(chǎn)業(yè)發(fā)展的對(duì)策,需要進(jìn)一步改善銀行卡受理環(huán)境,加快發(fā)展信用卡業(yè)務(wù),著力提高產(chǎn)業(yè)效益,加快推進(jìn)業(yè)務(wù)創(chuàng)新等。
[Abstract]:From the issue of the first bank card, bank card industry in China has experienced 20 years of development, after years of market cultivation industry parties, consumer payment habits have gradually paid by cash to the bank card payment change, the market is expanding. International experience shows that the development of bank card industry can guide and stimulate consumption to drive the growth of national economy. The comprehensive opening period in Chinese financial industry, in the face of the international bankcard organization competition and challenges, how to improve the domestic credit card market ecological environment, strengthen the main body of market competition force, accelerate the pace of industrial development, is an urgent problem to be solved.
Based on the study and analysis of the content can be summarized as follows: the structure of the issuing market and acquiring market scale, bank card, research policy and environment, points out the existing problems in the process of industrial development, introduces the present situation of developed countries and regions in the development of bank card industry and experience, for our country the development of bank card industry is put forward improvement measures.
The first chapter introduces the research background, purpose and significance, research and discussion of the recent domestic and foreign scholars to the issuing market, received a theoretical study on single market and the mode of operation, to provide theoretical support and valuable experience for the research in this paper. The second chapter introduces the industrial structure of China's bankcard industry, analyzes the different business entities the interests and operating costs, this industry consumers, suppliers, business managers and intermediate relations. The third chapter briefly introduces the development course of the domestic credit card industry, on the scale of industrial development in the past five years, analyze the structure of the trend, and summarized the current situation of the development of industry. The fourth chapter puts forward the domestic bank card market there is acceptance of bad environment, market structure, industry low profit and business innovation needs to be strengthened and other issues, and analyzes the deep-seated reasons of the problem. In the fifth chapter, from the international bank card The development of the market scale, structure, characteristics, product maturity, management and supervision of the main system, the development of the domestic market compared the gap. In the sixth chapter, I put forward some countermeasures to promote the development of China's banking industry, the need to further improve the bank card acceptance environment, accelerate the card business development, to improve industrial efficiency, accelerate the business innovation.

【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：1411883