文档介绍：本科生毕业论文
我国信用卡市场现状和发展对策
摘要
信用卡作为一种先进的消费信贷工具和支付结算手段,在国民经济中已经具有十分重要的地位。信用卡的使用提高了社会支付效率,降低社会支付成本;有利于增加社会经济运行的透明度,提高政府财政收入,给社会经济带来了很大的产业关联效应。
虽然中国的信用卡产业已取得了一些发展,政策环境日益改善,但与快速发展相对应的各种问题也不断凸显出来。目前,我国的信用卡产业还不成熟,发卡行风险管理技术、制度的落后,经验的缺乏,信用卡相关法律制度和监管体系的不健全,征信体系的不完善,以及社会信用风气的不良等因素,对我国信用卡市场的管理提出更大的挑战。
本文首先对信用卡的定义、功能和特点的介绍,紧接着对中国信用卡市场的发展历史、发展规模和业务范围进行了介绍。随后对世界信用卡市场的发展历史,包括美国、日本和韩国信用卡市场的发展进行了概述。然后论文重点研究了中国信用卡市场在发卡行方面、持卡人市场方面、特约商户市场方面存在的诸多问题。并分析了这些问题背后的原因:中国消费者的消费观念比较落后;信用卡法制不够完善;信用卡种类较单一,功能不全。论文的核心部分对中国信用卡市场的未来发展提出了对策,发卡行、持卡人以及特约商户应采取的行动:完善信用卡配套服务;逐步转变传统消费观念;建立社会信用体系和失信惩罚机制等,只有这样,才能提高大陆信用卡产业的竞争力。最后是对论文的总结部分。科技的发展和在金融领域中的应用的不断深入,也将是信用卡业务在功能、制度、机制乃至整个用卡环境上有更大的发展。中国的信用卡市场具有十分广阔的前景。
关键词:信用卡;信用卡市场;现状;对策
China's Current Situation of Credit Card Market and Develop Strategy
Abstract
Credit card,as an advanced tool and means of payment, has been a very important position in the national economy. The use of credit cards has improve the efficiency of social payments, reduce the cost of social payments, increase the transparency of social and economic, increase the government revenue and bring great social and economic effects of industrial linkage.
Although the industry of credit card in China had made some ess and policy environment is improving, various problems which correspond to the rapid development economy continue to appear. At present, the credit card industry is not mature, card issuer ‘s poor risk management techniques and the system backward, lack of experience, credit card-related legal system and regulatory system is not perfect, imperfect credit system, as well as adverse social factors such as credit culture on the management of the credit card market in China which ask for a greater challenges.
Firstly, This article is to study on the definition of credit card, functions and features. Then study on the development of the Chinese credit card market, the history of the development and scope of business. Next discuss on Subsequent history of the world's credit mark