文档介绍：发展我国信用卡产业的若干问题探讨用卡企业独立发展,集约经营的管理模式,其二是在分析信用卡风险的产生成因的基础上,详细阐述了信用卡企业如何实行积极的风险管理策略。虽然近两年我国信用卡业务发展迅速, 但对于信用卡这种新兴的金融产品, 我国国民了解不多,深入了解信用卡的经营特性、发展规律的从业人才匮乏, 而在理论研究方面,国内学术界对信用卡的理论研究数量较少。这些均远远跟不上信用卡产业发展的需要。作者通过总结自身的从业经验,较为系统地剖析了信用卡产业发展中的存在的主要问题及其成因,并运用制度创新等理论探讨我国信用卡产业的发展模式。可以说,本文对深入了解信用卡产业及其在我国的经营发展前景是有一定作用的。关键词: 信用卡;产业;创新 ABSTRACT ABSTRACT The credit card is one kind of important retail sales service product in the mature money market. It can bring rich profit to the anization. The healthy development of credit card industry have the positive significance to the continous growth of the national economy. But the cr edit card industry is still in the start development stage of our country. This artic le selects the credit card industry as the research object, through anal yzing the primary factor wh ich restriction credit card development in the present stage, and proposes suggestion which developed our country credit card industry. This article mainly divides into five parts. First chapter is outline of the credit card industry. It is a brief a nd prehensive explanatio n of the credit card, such as the concept, classification, characteristic, the cost inco me structure as well as the credit card industry chain. As a science limits of the research object, this chapter is a upholstery for the following analysis rese arch. Second chapter has carried on the simple review to our country credit card industry development and the present situation, then points out the positive sense of our count ry credit card industry, and analyzes the opportunity which faced to our country credit card industry. Third and fourth chapters are a core of this article. Third chapter analyzes the primary factors which restrict the development of credit card in the present stage, mainly from the angles of industrial development and speci anization management. Fourth chapter explicitly proposes the suggestion which develops our country credit card industry. Fifth chapter