我国银行信用卡发展中的问题及对策

我国银行信用卡发展中的问题及对策(论文10000字)
信用卡作为主要的电子支付手段，成为推动新经济形式快速发展的重要动力。银行卡作为银行服务与信息技术相互融合的产品，不仅提高了银行的综合服务质量，成为银行新的利润增长点，而且对于改善金融环境，提高人们生活水平，发展个人消费信贷，促进银行业务发展具有深远的意义。由于信用卡是一种无担保的信用贷款金融产品，虽然是提前消费再还款，且额度都较小，但持卡群体较多，审核手续简单，在发卡银行对客户信息搜集、筛选、审核等环节都面临信息不对称的问题，一旦持卡人收入减少，如果恶意拖欠就会给发卡银行造成较大的信用风险，在这种情况下，即使存在有效的风险防范机制，事后逾期催收手段，但发卡银行仍将面临高额的交易成本。作为商业银行的主要业务之一，信用卡不仅成为银行竞争的新领域，也成为国际竞争的主要焦点。
关键词 银行；信用卡；竞争；风险管理

 Abstracts 
the credit card as the main means of electronic payment, become a new economic form to promote rapid development momentum. Bank CARDS as the mutual fusion of banking services and information technology products, not only improve the quality of the bank's comprehensive service, as a new profit growth point, the bank and to improve the financial environment, improve people's living standards, development of personal consumer credit, promote the development of banking business has far-reaching significance. Due to the credit card is an unsecured credit loans financial products, although is to repayment ahead of consumption, and lines are smaller, but the card group is more, approval procedure is simple, the issuing bank to the customer information gathering, screening, review all the problem of asymmetric information, once the cardholders' income to reduce, if a malicious default would cause bigger credit risk to the issuing bank, in this case, even if there is effective risk prevention mechanism, overdue collection method, but the issuing bank will still face high transaction costs. As one of the main business of commercial Banks, credit card has not only become the new domain of bank competition, has become the main focus of international competition.
Key words  bank; Credit card; Competition; Risk management

目录                   
摘    要    2
Abstracts    3
引言    5
1.信用卡概述    6
2.我国信用卡的产生与发展    8
2. 1我国信用卡的产生和发展    8
2. 2我国信用卡的发展现状概况    9
2.2.1信用卡发卡及应用取得较快发展    9
2.2.2银行卡产业链初步形成    10
3.我国商业银行信用卡业务发展中的问题    10
3.1银行信用卡业务现状问题分析    11
3.1.1银行卡的发卡结构不合理，信用卡渗透率低    11
3.1.2无效信用卡大量存在，卡片使用率低    12
3. 1. 3信用卡消费信贷功能弱化，资产业务规模小    12
3.2商业银行信用卡业务存在问题和差距的成因分析    13
3.2.1现有信用卡业务经营模式不能适应业务发展需要    13
3.2.2信用卡产品及市场营销不能适应市场需要    14
3.2.3信用卡受理环境建设投入不足    15
4.我国商业银行信用卡业务的发展战略    16
4.1管理体制重构与组织结构调整    16
4.2建立健全服务与市场营销体系、风险控制体系    17
4.3坚持集约化经营，规范经营，锻炼信用卡专业队伍    18
总结    19
参考文献    21