文档介绍：从美国信用卡危机看中国信用卡行业的发展_中国银行信用卡
摘要：众所周知，在经济危机的影响下，美国信用卡出现了严重的危机。美国的次贷危机蔓延到了其它国家和地域，对中国本土的信用卡产业带来了巨大冲击。为了使中国信用卡产业更加好地发展，远离经济危机的影响，介绍了美国信用卡的市场形势，有利于中国信用卡的发展和建设性方法的提出。对于中国银行改革和发展当代风险方法策略至关主要。
关键词：经济危机；信用卡产业；美国；当代风险管理方法
中图分类号：F830文件标志码：A文章编号：1673-291X202101-0068-02
一、EmergenceandDevelopmentofCreditCard
ofCreditCard
CreditcardsoriginatedintheUnitedStatesinthattime，inordertoincreasesales，solicitbusinessandconveniencetheircustomers，anumberofshopsandcateringtradecreatedacredit’slookatthedevelopmentofUnitedStatedcreditfirstwidelyacceptedplasticchargecardwasissuedin1958byAmericanfirstgeneral―usecreditcardthatallowedbalancestobepaidovertimewastheBankAmericard，issuedindidMasterCardappear?In1966，anumberofbanksformedtheInterbankCard，theInterbankCardAssociationboughttherightstouse“MasterCharge”fromtheCaliforniaBankAssociation(LinGongshi45).ItwasrenamedMasterCardinoftraditionalmanualoperationsimplycouldnotsupportthecomprehensivedevelopmentofthecreditcardthe1960s，IBMcomputerlaunchedintocommercialcreditcardindustrywasthefirsttojumptheexpresstrainofinformationistheoneoftheoutstandingthemiddleofthe1990s，theapplicationoftheInternetbegantonotonlychangedtherelationshipbetweenthecreditcardcompaniesandconsumers，butalsochangedallaspectsofthecreditcardsystem，includingmanagementconcepts，businessprocessesandoperatingtotheInternet’sfastspeed，largecapacity，andlowcost，creditcardsystemcanberun