【摘要】：信用卡是一種集資產(chǎn)、負(fù)債以及結(jié)算功能于一身的金融產(chǎn)品,在發(fā)達(dá)國(guó)家已經(jīng)發(fā)展得相當(dāng)成熟。信用卡不僅可以為消費(fèi)者提供支付的便利性以及積分獎(jiǎng)勵(lì)、折扣等優(yōu)惠,而且可以使其獲得消費(fèi)信用額度,提高其支付能力。對(duì)于發(fā)卡機(jī)構(gòu)而言,信用卡業(yè)務(wù)可以為其帶來(lái)高額的利息收入和手續(xù)費(fèi)收入等。正因?yàn)槿绱?作為信用卡主要發(fā)卡機(jī)構(gòu)的商業(yè)銀行之間有關(guān)信用卡的競(jìng)爭(zhēng)從未停止,并且愈演愈烈。 我國(guó)的信用卡業(yè)務(wù)起步較晚,作為一種新興產(chǎn)業(yè),市場(chǎng)規(guī)模效應(yīng)尚未出現(xiàn),整個(gè)產(chǎn)業(yè)的經(jīng)營(yíng)成本較高,市場(chǎng)進(jìn)入的“門(mén)檻”較低,因此市場(chǎng)競(jìng)爭(zhēng)的激烈程度很高,而且隨著新的發(fā)卡機(jī)構(gòu)不斷出現(xiàn),競(jìng)爭(zhēng)的激烈程度將與日俱增。更令國(guó)內(nèi)發(fā)卡機(jī)構(gòu)擔(dān)憂(yōu)的是,隨著中國(guó)金融零售業(yè)務(wù)的對(duì)外開(kāi)放,外資銀行正式進(jìn)入中國(guó),參與國(guó)內(nèi)市場(chǎng)的競(jìng)爭(zhēng)。因此如何提高我國(guó)商業(yè)銀行信用卡業(yè)務(wù)的競(jìng)爭(zhēng)能力成為亟待解決的問(wèn)題。 本文的研究方法主要有兩種：一是文獻(xiàn)查閱和規(guī)范分析法；二是因子分析法。首先通過(guò)文獻(xiàn)綜述,敘述了國(guó)內(nèi)外信用卡業(yè)務(wù)的現(xiàn)狀和競(jìng)爭(zhēng)因素等。其次,為了更加真實(shí)刻畫(huà)我國(guó)信用卡市場(chǎng)狀況,分析了我國(guó)信用卡市場(chǎng)的競(jìng)爭(zhēng)態(tài)勢(shì)、壟斷結(jié)構(gòu)、競(jìng)爭(zhēng)的載體和采取的措施以及盈利水平。再次,由于目前我國(guó)商業(yè)銀行的競(jìng)爭(zhēng)主要集中在消費(fèi)者市場(chǎng),本文創(chuàng)新性地以利用了某銀行的調(diào)查問(wèn)卷的來(lái)獲得具有說(shuō)服力和客觀的數(shù)據(jù),對(duì)調(diào)查結(jié)果進(jìn)行了因子分析,得出影響消費(fèi)者選擇信用卡的六個(gè)因素以及影響程度,并對(duì)我國(guó)商業(yè)銀行信用卡競(jìng)爭(zhēng)力的提高提出了相應(yīng)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(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2;F224

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本文編號(hào)：2431149