【摘要】：在我國(guó)經(jīng)濟(jì)快速發(fā)展的大背景下,隨著居民消費(fèi)觀念的轉(zhuǎn)變和對(duì)金融服務(wù)需求的不斷增多,使得信用卡支付成為日常消費(fèi)的主要支付方式。信用卡支付替代現(xiàn)金支付的作用日益明顯,這些都為信用卡產(chǎn)業(yè)在我國(guó)健康、快速、持續(xù)發(fā)展提供了良好的保障。 高投入,高風(fēng)險(xiǎn),高收益是信用卡作為銀行的一種金融產(chǎn)品的基本特點(diǎn),在國(guó)外信用卡業(yè)務(wù)已成為許多銀行的主要業(yè)務(wù)和重要利潤(rùn)來(lái)源,面對(duì)高額的利潤(rùn),國(guó)內(nèi)各商業(yè)銀行都在不遺余力的發(fā)展信用卡業(yè)務(wù),中國(guó)光大銀行作為國(guó)內(nèi)中型的股份制商業(yè)銀行,發(fā)卡量已達(dá)到1000萬(wàn)張,取得一定的成效。但面對(duì)激烈的競(jìng)爭(zhēng),中國(guó)光大銀行仍需認(rèn)清形勢(shì),采取有效措施,推動(dòng)信用卡業(yè)務(wù)持續(xù)、快速、健康發(fā)展。 本研究通過(guò)查閱文獻(xiàn),分析了中國(guó)光大銀行信用卡業(yè)務(wù)的發(fā)展現(xiàn)狀、發(fā)展策略、存在問(wèn)題及發(fā)展對(duì)策,特別是通過(guò)與其他股份銀行間進(jìn)行了SWOT分析,同時(shí)結(jié)合中國(guó)光大銀行信用卡業(yè)務(wù)發(fā)展現(xiàn)狀,提出了推動(dòng)本行信用卡業(yè)務(wù)可持續(xù)發(fā)展的對(duì)策。
[Abstract]:Under the background of the rapid economic development of our country, with the change of residents' consumption concept and the increasing demand for financial services, credit card payment has become the main payment mode of daily consumption. The role of credit card payment instead of cash payment is becoming more and more obvious, which provides a good guarantee for the healthy, rapid and sustainable development of credit card industry in our country. High investment, high risk and high income are the basic characteristics of credit card as a kind of financial product of banks. In foreign countries, credit card business has become the main business and an important source of profit for many banks. In the face of high profits, credit card business has become the main business and an important source of profit for many banks. Domestic commercial banks are sparing no effort to develop credit card business. Everbright Bank of China, as a medium-sized joint-stock commercial bank in China, has issued 10 million cards, which has achieved some results. However, in the face of fierce competition, Everbright Bank of China still needs to recognize the situation and take effective measures to promote the sustained, rapid and healthy development of credit card business. Through consulting the literature, this study analyzes the development status, development strategy, existing problems and development countermeasures of credit card business of Everbright Bank of China, especially through SWOT analysis with other joint-stock banks. At the same time, combined with the present situation of credit card business of Everbright Bank of China, this paper puts forward some countermeasures to promote the sustainable development of credit card business of Everbright Bank of China.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

【引證文獻(xiàn)】

相關(guān)博士學(xué)位論文 前3條

1 張奎;銀行卡對(duì)消費(fèi)促進(jìn)作用的實(shí)證研究[D];武漢大學(xué);2009年

2 蔣嶸濤;銀行卡市場(chǎng)價(jià)格機(jī)制與策略研究[D];中南大學(xué);2008年

3 田華;銀行卡產(chǎn)業(yè)支付系統(tǒng)競(jìng)爭(zhēng)與公共政策[D];遼寧大學(xué);2008年

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本文編號(hào)：2477482