【摘要】：現(xiàn)代人類生存、生活和從事經(jīng)濟(jì)活動(dòng)越來越多地依賴于各種各樣的卡,主要用來記錄公民身份信息和金融賬戶信息。前者以身份證為代表,而后者有種類繁多的各種銀行卡。社�；蜥t(yī)保卡兩種屬性兼而有之,而預(yù)付費(fèi)卡雖然兩種屬性都不具備,但本質(zhì)上是一種脫離金融監(jiān)管的金融卡。對(duì)各種不同類型的卡在發(fā)行、使用、流通和監(jiān)管上,盡快從政策制定、制度規(guī)劃、立法建設(shè)以及相關(guān)領(lǐng)域科技發(fā)展諸方面深入開展研究,對(duì)我國銀行業(yè)安全運(yùn)行、金融領(lǐng)域創(chuàng)新和人民幣國際化有著極為重要的意義。 本研究回顧了卡的發(fā)展歷程及其應(yīng)用特點(diǎn)和當(dāng)前主要應(yīng)用領(lǐng)域,分析了進(jìn)入WTO過渡期之后,我國銀行業(yè)面臨的眾多挑戰(zhàn)和機(jī)遇,主要是EMV遷移給中國金融卡領(lǐng)域未來發(fā)展造成的制約和不確定性影響。提出從公民身份系統(tǒng)出發(fā),在各商業(yè)銀行之上建立統(tǒng)一的客戶關(guān)系視圖,將卡的身份屬性與賬戶屬性直接結(jié)合,形成統(tǒng)一的金融門戶,即卡銀行�？ㄣy行突破了各商業(yè)銀行之間的客戶關(guān)系壁壘,使跨行業(yè)務(wù)可以十分便捷迅速。推出卡銀行將使各商業(yè)銀行只能通過提供更低價(jià)便利的金融服務(wù),推出更優(yōu)質(zhì)安全的金融產(chǎn)品來吸引和穩(wěn)定客戶群。 基于卡銀行,本研究提出了一種新型的貨幣存在形式：卡貨幣。討論了卡貨幣的發(fā)行、流通、監(jiān)管的特點(diǎn)和方法,指出卡貨幣有可能是未來信息化貨幣的主要形式之一。關(guān)于卡銀行和卡貨幣的理念是金融領(lǐng)域的原始性創(chuàng)新。 本研究針對(duì)卡銀行進(jìn)行業(yè)務(wù)建模,得到了卡銀行的概念模型,邏輯模型和物理模型,這是建設(shè)卡銀行業(yè)務(wù)系統(tǒng)和卡銀行運(yùn)營的前提條件。進(jìn)一步工作是研究了卡銀行業(yè)務(wù)系統(tǒng)的實(shí)現(xiàn)方案；分別描述了客戶從統(tǒng)一門戶或從商業(yè)銀行登錄這兩種情況下,業(yè)務(wù)系統(tǒng)如何實(shí)現(xiàn)跨行交易；討論了基于卡銀行如何建設(shè)公共金融服務(wù)體系,包括卡貨幣的發(fā)行與流通,交易數(shù)據(jù)溯源和公民征信系統(tǒng)等。
[Abstract]:Modern human existence, life and economic activities increasingly rely on a variety of cards, mainly used to record civil status information and financial account information. The former is represented by ID cards, while the latter has a wide variety of bank cards. Social security or medical insurance card has both attributes, and prepaid card is a kind of financial card without financial supervision. In the aspects of issuing, using, circulating and supervising various different types of cards, we should carry out in-depth research on policy formulation, system planning, legislative construction and the development of science and technology in related fields as soon as possible, so as to ensure the safe operation of our banking industry. Financial innovation and RMB internationalization are of great significance. This study reviews the development of the card, its application characteristics and current main application fields, and analyzes the challenges and opportunities that the banking industry in China is facing after entering the transitional period of WTO. It is mainly the restriction and uncertainty of EMV migration to the future development of Chinese financial card field. Based on the citizenship system, a unified customer relationship view is established on each commercial bank, and the identity attribute of the card is directly combined with the account attribute to form a unified financial portal, I. e., the card bank. Card bank breaks through the barrier of customer relationship between commercial banks, making cross-bank business very convenient and rapid. The introduction of card banks will enable commercial banks to attract and stabilize the customer base only by providing cheaper and convenient financial services and introducing better quality and safety financial products. Based on the card bank, this study proposes a new form of currency: card money. This paper discusses the characteristics and methods of issuing, circulation and supervision of card currency, and points out that card currency may be one of the main forms of information currency in the future. The concept of card banks and card money is the original innovation in the field of finance. In this paper, the concept model, logic model and physical model of the card bank are obtained, which is the precondition for the construction of the card bank business system and the operation of the card bank. The further work is to study the implementation scheme of the card bank business system, and describe how the business system realizes the interbank transaction under the two situations of the customer from the unified portal or from the commercial bank login. This paper discusses how to construct the public financial service system based on the card bank, including the issuance and circulation of the card currency, the traceability of the transaction data and the citizen credit system, etc.
【學(xué)位授予單位】：太原理工大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：2204961