e时代支付背景下信用卡的生存与发展.docVIP

e时代支付背景下信用卡的生存与发展 摘要 互联网飞速进步的时代，为互联网信用支付信贷产品和工具的成长提供了一个机会，提供私人信用产品的信贷机构不再局限于银行，一些金融机构的第三方信用支付平台和大型企业利用其庞大的多年资金积累、海量客户信用信息，以及互联网网上零售业的优势，纷纷涉足个人消费金融领域。 信用支付的快速成长虽然打破了银行传统信用卡交易格局，但在给人们供应便捷、实惠的消费方式时也存在诸多不足。相比之下，信用卡的优势表现在几个方面，如：信息安全、金融业务准入、违约风险、套现和洗钱、对中央银行金融统计数据的准确性。 本文旨在通过调查当下信用卡和信用支付的使用情况，分析信用卡存在问题，寻找信用卡业务生存的优势突破口，为信用卡在互联网支付背景下的发展提供有效的解决措施和建议。完善新兴互联网的信用支付体系的构建，让信用卡在互联网经济中发挥更大价值。 关键字：互联网金融，信用卡，信用管理，网络支付平台 Credit card payment survival and development of Internet Age abstract The rapid progress of the Internet era, Internet credit payment growth of credit products and tools provides an opportunity, to provide private credit products, credit institutions no longer limited to the bank, and some financial institutions of third-party credit payment platform and large enterprises use accumulation of its huge multi-year funding, massive customer credit information, and the advantage of the Internet online retail industry, have been involved in the field of consumer finance. The rapid growth of credit payment has broken the traditional credit card trade pattern, but there are many deficiencies in the supply of convenient and affordable way of consumption. In contrast, the advantages of credit cards in several aspects, such as: information security, financial business access, default risk, cash and money laundering, the accuracy of the central bank financial statistics. This article is for the purpose of through survey the current credit cards and credit payment usage, analysis the credit card problems and find out the credit card business survival advantage of a breakthrough, for credit card on the Internet payment under the background of the development of effective measures and suggestions to solve the. Improve the construction of the credit payment system of the emerging Internet, so that the credit card in the Internet economy to play a greater value. Key word: Internet Finance,Credit,Credit management,Online payment platform 参考文献 16 一、绪论 （一）研究背景 随着互联网金融的蓬勃发展，人们消费意识的转变，信用卡的需