【摘要】：信用卡是一種集資產(chǎn)、負債以及結(jié)算功能于一身的金融產(chǎn)品,在發(fā)達國家已經(jīng)發(fā)展得相當成熟。信用卡不僅可以為消費者提供支付的便利性以及積分獎勵、折扣等優(yōu)惠,而且可以使其獲得消費信用額度,提高其支付能力。對于發(fā)卡機構而言,信用卡業(yè)務可以為其帶來高額的利息收入和手續(xù)費收入等。正因為如此,作為信用卡主要發(fā)卡機構的商業(yè)銀行之間有關信用卡的競爭從未停止,并且愈演愈烈。 我國的信用卡業(yè)務起步較晚,作為一種新興產(chǎn)業(yè),市場規(guī)模效應尚未出現(xiàn),整個產(chǎn)業(yè)的經(jīng)營成本較高,市場進入的“門檻”較低,因此市場競爭的激烈程度很高,而且隨著新的發(fā)卡機構不斷出現(xiàn),競爭的激烈程度將與日俱增。更令國內(nèi)發(fā)卡機構擔憂的是,隨著中國金融零售業(yè)務的對外開放,外資銀行正式進入中國,參與國內(nèi)市場的競爭。因此如何提高我國商業(yè)銀行信用卡業(yè)務的競爭能力成為亟待解決的問題。 本文的研究方法主要有兩種：一是文獻查閱和規(guī)范分析法；二是因子分析法。首先通過文獻綜述,敘述了國內(nèi)外信用卡業(yè)務的現(xiàn)狀和競爭因素等。其次,為了更加真實刻畫我國信用卡市場狀況,分析了我國信用卡市場的競爭態(tài)勢、壟斷結(jié)構、競爭的載體和采取的措施以及盈利水平。再次,由于目前我國商業(yè)銀行的競爭主要集中在消費者市場,本文創(chuàng)新性地以利用了某銀行的調(diào)查問卷的來獲得具有說服力和客觀的數(shù)據(jù),對調(diào)查結(jié)果進行了因子分析,得出影響消費者選擇信用卡的六個因素以及影響程度,并對我國商業(yè)銀行信用卡競爭力的提高提出了相應的政策建議。
[Abstract]:Credit card is an asset, debt and settlement function in a financial product, in the developed world has developed quite mature. Credit cards can not only provide consumers with convenience to pay, credit points, discounts and other concessions, but also enable them to obtain consumer credit lines and improve their ability to pay. For card issuers, credit card business can bring high interest income and fee income. As a result, competition for credit cards among commercial banks, the main issuers of credit cards, has never stopped and intensified. The credit card business of our country starts late, as a kind of emerging industry, the market scale effect has not yet appeared, the operation cost of the whole industry is higher, the threshold of entering the market is lower, so the fierce degree of market competition is very high. And with the emergence of new card-issuing agencies, the intensity of competition will increase day by day. What worries the domestic card issuers is that as China's financial retail business opens to the outside world, foreign banks formally enter China to participate in competition in the domestic market. Therefore, how to improve the competitiveness of our commercial bank credit card business has become an urgent problem to be solved. There are two main research methods in this paper: one is literature review and normative analysis, the other is factor analysis. Firstly, through literature review, this paper describes the status quo and competitive factors of credit card business at home and abroad. Secondly, in order to describe the situation of credit card market in China more truly, this paper analyzes the competitive situation, monopoly structure, the carrier of competition, the measures taken and the profit level of credit card market in China. Thirdly, because the competition of commercial banks in our country is mainly concentrated in the consumer market at present, this paper creatively uses the questionnaire of a bank to obtain convincing and objective data, and makes factor analysis on the results of the survey. Six factors affecting consumers' choice of credit card and the degree of influence are obtained, and the corresponding policy suggestions are put forward for the improvement of credit card competitiveness of commercial banks in China.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2;F224

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