本文選題：銀行卡 + 銀行卡產(chǎn)業(yè)�。� 參考：《河南科技大學(xué)》2014年碩士論文

【摘要】：銀行卡作為20世紀(jì)最具創(chuàng)新力的金融服務(wù)產(chǎn)品，融合了現(xiàn)代信息技術(shù)與傳統(tǒng)金融業(yè)務(wù)，成為日常支付中不可或缺的重要工具，扮演著促進(jìn)社會消費(fèi)和活躍金融信貸活動的重要角色，銀行卡產(chǎn)業(yè)的發(fā)展關(guān)系到國民經(jīng)濟(jì)的健康發(fā)展與社會進(jìn)步，對加快經(jīng)濟(jì)增長方式轉(zhuǎn)變與深化金融改革有重要意義。本文在對我國銀行卡產(chǎn)業(yè)發(fā)展研究的基礎(chǔ)上，借鑒國際銀行卡產(chǎn)業(yè)發(fā)展歷程中的寶貴經(jīng)驗(yàn)，取長補(bǔ)短，并利用產(chǎn)業(yè)經(jīng)濟(jì)學(xué)、制度經(jīng)濟(jì)學(xué)等經(jīng)濟(jì)學(xué)的相關(guān)知識對我國銀行卡產(chǎn)業(yè)發(fā)展進(jìn)行比較研究。這樣，不僅能有效發(fā)揮理論對實(shí)踐的指導(dǎo)作用，還能正確認(rèn)識并把握銀行卡產(chǎn)業(yè)發(fā)展規(guī)律，提出具有中國特色的銀行卡產(chǎn)業(yè)發(fā)展之路。 文章第一部分主要介紹了發(fā)展銀行卡產(chǎn)業(yè)的理論意義與現(xiàn)實(shí)意義，指出銀行卡產(chǎn)業(yè)的發(fā)展，，可以直接促進(jìn)我國金融改革的推進(jìn)，帶動社會消費(fèi)的快速增長，加速提升國內(nèi)消費(fèi)需求，對經(jīng)濟(jì)發(fā)展的提升有重要意義，并對銀行卡產(chǎn)業(yè)國內(nèi)外相關(guān)文獻(xiàn)進(jìn)行了研究；第二部分研究了銀行卡及銀行卡產(chǎn)業(yè)相關(guān)概念，對銀行卡產(chǎn)業(yè)的運(yùn)作機(jī)制進(jìn)行了深入的分析，同時研究了銀行卡產(chǎn)價值鏈，結(jié)合產(chǎn)業(yè)價值鏈的參與主體及其關(guān)系進(jìn)行了分析；第三部分對國內(nèi)外銀行卡產(chǎn)業(yè)的發(fā)展歷程及現(xiàn)狀進(jìn)行了分析，結(jié)合國外銀行卡產(chǎn)業(yè)發(fā)展特點(diǎn)指出我國銀行卡產(chǎn)業(yè)發(fā)展水平以及存在差距；第四部分首對通過選取銀行卡產(chǎn)業(yè)發(fā)展的關(guān)鍵指標(biāo)對國內(nèi)外銀行卡產(chǎn)業(yè)指標(biāo)進(jìn)行了對比分析，其次分析了國內(nèi)外銀行卡產(chǎn)業(yè)價值鏈的差異并運(yùn)用SWOT分析法對國內(nèi)外銀行卡產(chǎn)業(yè)價值鏈進(jìn)行了比較研究，接著運(yùn)用比較分析法對國內(nèi)外銀行卡產(chǎn)業(yè)的定價機(jī)制和核心競爭力、金融生態(tài)環(huán)境進(jìn)行了對比分析，最后研究了我國創(chuàng)新支付業(yè)務(wù)發(fā)展情況，綜合運(yùn)用定量分析與定性分析相結(jié)合的方法與國外創(chuàng)新支付業(yè)務(wù)進(jìn)行比較分析；第五部分對我國銀行卡發(fā)展存在的問題進(jìn)行研究，提出了我國銀行卡受理環(huán)境有待進(jìn)一步改善、銀行卡業(yè)務(wù)發(fā)展不均衡、產(chǎn)業(yè)收益水平有待提高、金融生態(tài)環(huán)境有待完善、創(chuàng)新業(yè)務(wù)有待加強(qiáng)；第六部分結(jié)合我國現(xiàn)階段銀行卡發(fā)展存在的問題，提出了加快我國銀行卡產(chǎn)業(yè)發(fā)展的對策及建議。
[Abstract]:As the most innovative financial service product in the 20th century, bank card has integrated modern information technology with traditional financial business, and has become an indispensable and important tool in daily payment. It plays an important role in promoting social consumption and activating financial and credit activities. The development of bank card industry is related to the healthy development of national economy and social progress. It is of great significance to accelerate the transformation of economic growth mode and deepen financial reform. On the basis of the research on the development of banking card industry in China, this paper draws lessons from the valuable experience in the development of international banking card industry, and makes use of industrial economics. This paper makes a comparative study on the development of banking card industry in China with the relevant knowledge of economics such as institutional economics. In this way, we can not only give full play to the guiding role of theory to practice, but also correctly understand and grasp the development law of bank card industry, and put forward the road of development of bank card industry with Chinese characteristics. The first part of the article mainly introduces the theoretical and practical significance of developing bank card industry, and points out that the development of bank card industry can directly promote the promotion of financial reform in China, and promote the rapid growth of social consumption. Accelerating the promotion of domestic consumer demand is of great significance to the promotion of economic development, and the banking card industry at home and abroad has been studied; the second part of the study of bank card and bank card industry related concepts, The operation mechanism of bank card industry is deeply analyzed, and the value chain of bank card industry is studied, and the main body and relationship of the industry value chain are analyzed. The third part analyzes the development process and present situation of the banking card industry at home and abroad, and points out the development level and gap of the banking card industry in our country according to the development characteristics of the foreign bank card industry. The fourth part of the first by selecting the key indicators of the development of bank card industry to domestic and foreign banking card industry indicators were compared and analyzed. Secondly, the paper analyzes the differences of the banking card industry value chain at home and abroad, and makes a comparative study on the domestic and foreign bank card industry value chain by using SWOT analysis method, and then uses the comparative analysis method to analyze the pricing mechanism and core competitiveness of the banking card industry at home and abroad. The financial ecological environment is compared and analyzed. Finally, the development of innovative payment business in China is studied. The method of combining quantitative analysis and qualitative analysis is used to compare and analyze the innovative payment business abroad. The fifth part studies the problems existing in the development of bank cards in China, and points out that the accepting environment of bank cards in China needs to be further improved, the business development of bank cards is not balanced, the level of industrial income needs to be improved, and the financial ecological environment needs to be improved. The sixth part puts forward the countermeasures and suggestions to speed up the development of bank card industry in our country according to the problems existing in the development of bank card in our country.
【學(xué)位授予單位】：河南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前6條

1 駱品亮;韓沖;余林徽;;我國銀行卡市場雙邊性檢驗(yàn)及其政策啟示[J];產(chǎn)業(yè)經(jīng)濟(jì)研究;2010年02期

2 周瓊,莊毓敏;中國銀行卡產(chǎn)業(yè)的市場結(jié)構(gòu)與價格行為研究[J];當(dāng)代經(jīng)濟(jì)科學(xué);2005年04期

3 張培華;;我國銀行卡產(chǎn)業(yè)的SCP范式分析[J];法制與社會;2007年03期

4 董維剛;張昕竹;;銀行卡產(chǎn)業(yè)特征與反壟斷難題[J];數(shù)量經(jīng)濟(jì)技術(shù)經(jīng)濟(jì)研究;2007年06期

5 王雪萍;張成虎;;我國銀行卡產(chǎn)業(yè)市場結(jié)構(gòu)與績效的實(shí)證研究[J];山西財(cái)經(jīng)大學(xué)學(xué)報(bào);2007年11期

6 韓瑾;范曉青;謝秀芬;;金融外包與產(chǎn)業(yè)鏈延伸:信用卡產(chǎn)業(yè)集約化發(fā)展路徑選擇[J];特區(qū)經(jīng)濟(jì);2007年04期

本文編號：2063128