中国银行卡产业发展现状及对策研究.pdfVIP

要 中国银行卡产业发展迅速，但与美国等发达国家相比还有较大差距。学习借 鉴成熟经验，有益于推动我国银行卡产业向更高层次发展。 本文围绕我国银行卡产业发展的变迁，通过分析国内外差异，指出我国银行 卡产业在三个层面上分别面临如下问 ：卡组织方面的银联垄断争议；发卡市场 方面的竞争问 ；收单市场方面的受理环境不理想问题。并相应提出如下的对策 建议：加快银联民族银行卡品牌建设；规范发卡市场；引入第 方服务机构加快 受理市场建设。全文共分六个章节：第 1 章为引言，主要介绍选题的依据与意义、 研究方法、过程中遇到的难点问题等。第 2 章为总论，主要描述了银行卡产业定 义、参与主体、运行机制及其对宏观经济的影响。第 3 章产业发展现状，描述了 产业发展历程，卡组织、发卡市场和收单市产业发展历程，卡组织、发卡市场和 收单市场三个层面的现状，主要商业银行业务开展情况等 分内容展开。第 4 章首先分析了国外银行卡产业发展情况，并在此基础上，分析了国内外产业发展 差异。第5 章通过引入对时下热点问 ：VISA 与中国银联的争端的介绍，阐述了 发展自主银行卡交易转接清算系统的紧迫性。第 6 章在前文分析的基础上，指出 我国银行卡产业在卡组织、发卡市场和收单市场上存在的问题，并分别提出对策 建议。第7 章为全文的总结。 关键词：银行卡产业 发展现状 对策措施 1 Abstract The chinese bankcard industry is growing rapidly, but there still a gap if compete with developed countries such as The United States of America. During the competition we can learn some maturer experience to push our bankcard industry to a higher level. This thesis focuses on the research of china national bankcard industry, analyses the difference compared with foreign industry, and advises that we should develop the national bankcard brand, make the issue market standardization, encourages the third party service suppliers to participate in the bankcard market. This thesis includes 6 chapters: Chapter 1 is the Introduction,It; s about to say Why I chose this point to research and some problems met in my research;Chapter 2 is the pandect, and describes the definition, the actors, the mechanism, the influence on macro-economics; Chapter 3 then analyses the instance of our national bankcard industry including of the development history, the bankcard net, the issue market, the acquire market; Chapter 4 for the sake of better understanding the difference, researches foreign bankcard industry. then based on the analysis befo