我国信用卡盈利的实证的研究.pdf

中文摘要 近年来，随着我国经济的不断发展和改革开放思想的不断深入，信用卡行业 取得了突飞猛进的发展，同时信用卡也逐渐改变着居民的消费习惯，成为我国居 民最常用的消费工具之一。有关数据显示，2011年全年，信用卡刷卡消费达4.1 万亿元人民币，在全社会消费品零售额中的比重高达22.6%，刷卡消费所创造的 巨大的营业利润，使信用卡成为商业银行最为盈利的零售业务之一，也成为推动 我国社会向消费型社会转变的重要推动力量。 目前我国信用卡业务还处于初级发展阶段，国外成熟的发展经验和模式并不 完全适用于我国现行的发展环境。早年期间的“跑马圈地”运动，一味追求发卡 量，并没有给商业带来预期的盈利空间，规模效应没有发挥作用。因此，在国外 最为挣钱的银行业务在中国却遭受冷门，这迫使我们仔细研究我国信用卡发展的 市场环境，探索出一套符合我国国情的信用卡发展模式。 以此为背景，本文在信用卡自身特性的基础上，研究其盈利理论，同时结合 我国实际，以成本收益函数为理论依据，构建一个盈利函数，并且进行实证研究。 为了更加具体全面地了解信用卡盈利状况，探索商业银行的经营模式，本文又对 信用卡的贡献度进行实证研究。最后，结合实证结果给出改善我国信用卡现状， 提高信用卡收入对商业银行贡献度的政策建议。 关键词： 信用卡 成本收益 盈利模式 贡献度 ABSTRACT In recent years, with the development of Chinas economy and the idea of reform and opening, the credit card industry has make a great development.At the same time, credit cards what Chinas consumption of the most frequently used tools are gradually changing peoples consumption habits. Data display of the year 2011, credit card spended amounted to 41 thousand billion yuan, and take over the proportion pas high as 22.6% of the whole of social consumer goods retail sales. The credit card spending has created huge profits that has become one of the most profitable retail business of commercial banks and promote Chinas social transition to a consumer society. At present, Chinas credit card business is still in the primary stage of development, the foreign mature development experience and the mode is not fully applicable to the current development environment. In the early period, the bank pays more attention to the giant quantity of credit card issue, which don’t bring commercial expected earnings, and the scale effect didn’t play a role. The most profitable retail industry of foreign countries has suffered upset in China. This forced us to carefully study the developmen