M银行信用卡业务盈利能力提升的研究.pdfVIP

摘 要 摘 要 信用卡作为未来电子支付的主要手段，对促进消费，提高支付安全起着非 常重要的作用。然而我国的信用卡行业从总体来说还处在发展的初期，观念的 差异、法律制度的不完善、管理制度的不成熟等多方面的原因，使得这一在国 外作为银行重要盈利手段的业务在中国银行业中的发展较为缓慢。如何高效管 理信用卡的成本和收益，提高资产收益率，成为各银行迫切需要解决的问题。 本文首先通过对信用卡基础知识的介绍，对比现阶段国内外信用卡产业的 发展及盈利状况，然后以M银行泉州地区信用卡部门盈利数据为例，对M银行泉 州地区信用卡部门当前收支结构进行分析，最后综合运用数据分析法、比较分 析法，以近几年来信用卡产业发展动态为基础，最后得出了提升M银行信用卡中 心业务盈利水平取决于发卡行、客户、产品、创新等领域。 首先，发卡行必须充分利用大数据，寻找有价值客户，继续精细化管理客 户；其次，从产品设计角度出发，必须综合考量当前经济趋势及热点，推出行 业化、个性化信用卡，形成产品竞争差异化战略。再次，从财务数据中出发， 应当注重盈利的均衡发展，兼顾短期和长期效益，配置可持续高盈利的产品结 构，做大高收益产品资产规模，适当控制低收益产品资产规模。最后，从创新 角度出发，对于当前信用卡创新热点中的信用卡物联网、信用卡资产证券化应 予以足够重视，大胆引进专业化人才，规模试点，稳步推进。 关键词：银行 信用卡 收入 盈利 I Abstract Abstract Credit card is the main method of the future Electronic Payment and it has great effects on promoting the consumption and strengthening the payment security and payment convenience. The Credit Card Business in china is at its starting stage of development. The Credit Card Business, as the main profit-earning service in Oversea banks, increases slowly in Chinese banks because of the discrepancy of the consumption concept, defects in law system, as well as the immaturity in management. It is great urgent for Chinese bank to seek a way to effectively manage the cost and income of the credit card. In this paper, the basic knowledge for credit card is introduced firstly. The development and the profit situation of the credit card business are compared between China and that of the oversea. Then, the profit data for Quanzhou city from bank M is collected to analyze the current revenue and expenditure structure. Based on the development trend of the c