我国商业银行信用卡业务发展现状的研究.docVIP

摘要 近年来，伴随着我国金融市场的不断开放，我国商业银行信用卡业务取得了迅速的发展，商业银行信用卡业务已经逐渐成为了一种重要的商业产品在一个成熟的金融市场上，现阶段我国商业银行信用卡业务的推广正处于快速增长阶段，信用卡业务的健康发展对我国国民经济的发展有着十分重要的意义。但我国商业银行信用卡业务的发展目前还一直处于起步阶段，面临着各种各样的机遇和挑战，我国商业银行信用卡业务与发达国家相比仍然存在着很多有待解决的问题。所以当我们在享受金融行业快速发展所带来的机遇的同时，我们还应清醒的认识到，我国商业银行信用卡业务在很多方面还尚待完善。基于这样的背景，本文将通过对我国商业银行信用卡业务发展的现状进行分析和研究，对我国商业银行信用卡市场中存在的问题进行了详细探讨，并且针对现阶段存在的有关的问题提出相应的解决对策。 关键词 商业银行；信用卡；发展现状；问题研究 Abstract In recent years, along with the continuous opening of Chinas financial market, the credit card business of our country has made rapid development, the credit card business of commercial bank has become an important commercial product in a mature financial market, the promotion of the present stage of our country commercial bank credit card business is fast growth stage, has a very important meaning to the healthy development of credit card business to Chinas national economic development. But the development of credit card business in our country at present still in the initial stage, facing various opportunities and challenges, the credit card business of our country compared with developed countries, there are still many problems to be solved. So when we enjoy in the high speed development of the financial industry brings opportunities at the same time, we should also recognize that our country commercial bank credit card business in many ways still remains to be perfect. Based on this background, this paper will analyze and Research on the status of our country commercial bank credit card business development, to our country commercial bank credit card market existing problems are discussed in detail, and for related problems put forward the corresponding solution countermeasures. Keywords Commercial bank; Credit card; Development present situation; Question research 关于我国商业银行信用卡业务发展现状的研究 近年来,随着我国经济的快速发展和居民收入水平的提高,我国商业银行信用卡的发行量不断上升,消费比重也不停增大。中国参与WTO后承诺，我国的金融市场会对外开放，所以国外银行加速了进军中国市场的步调，而越来越多的外资银行和金融机构将信用卡作为抢占中国金融零售业市场的利器，以致信用卡市