信用卡产品创新趋势之—小微企业专属信用卡(毕业设计论文)资料.doc

**学院成人高等教育本科生 毕业设计（论文） 题 目： 信用卡产品创新趋势之—小微企业专属信用卡 姓 名： 学 号： 专 业： 金融学 年 级： 指导教师： 系 主 任： 2016 年 05 月 06日信用卡产品创新趋势之—小微企业专属信用卡 摘 要 在本文的第一部分，我们针对这类信用卡做全面的解读，仍融资优势、成本效益、风险防范等几个维度，对小微企业信用卡创新进行分析，并对第二部分我们提出信用卡产品开发方案作准备。在分析了小微企业信用卡产品创新之后，我们根据小微企业的需求特征，给出解决方案。 根据小微企业的特点，我们设计解决方案，为小微企业开发功能全面地信用卡，助力小微企业融资。在营销案例这一部分我们选取平安银行贷贷平安商务卡作为研究对象。该卡将小额信用循环贷款不借记卡功能及权益相结合，同时直接和电商平台对接，极建了一种全新的小微金融商业模式。 关键词：信用卡，小微企业，融资 The trend of credit card product innovation - small and micro enterprises exclusive credit card Abstract In the first part of this paper, we back to class credit card to make a comprehensive explanation for, still financing advantages, cost benefit, risk prevention, etc. several dimensions, to small and micro enterprise credit card innovation analysis, and the second part we present credit card product development program to prepare. After analyzing the small and micro enterprises credit card product innovation, we according to the needs of small and micro enterprises characteristics, gives the solution. According to the characteristics of small and micro enterprises, we design solutions for small and micro enterprises to develop a comprehensive credit card, small and micro enterprises financing. In this part of the marketing case, we select Ping An Bank credit loan security business card as a research object. The card will be a small credit cycle loan does not debit card functions and interests combined, and direct docking with the electronic business platform, built a new kind of small and micro finance business model. Key words: Credit card, small and micro enterprises, financing 目 录 第一部分 信用卡产品创新分析…………………………………………………………5 一、监管政策与市场环境………………………………………………………………5 （一）监管政策解读………………………………