关于我国信用卡的发展策略

摘    要

信用卡业务在国外是一种非常成熟的个人消费信贷产品，而在中国的发展仍处于起步阶段。近年来，随着我国经济金融格局的变化和个人收入水平的逐步提高，个人信用逐步得到重视，用卡环境日益改善，信用卡市场所蕴涵的巨大商机以及广阔的盈利空间逐步显现，从而使得信用卡业务成为国内各家商业银行竞争的焦点。信用卡业务具有高投入、高风险、高收益的特点。但我国银行在信用卡发展中存在很多问题和困难。本文结合我国信用卡市场发展现状，总结了面临的主要问题，并通过对我国信用卡市场的分析和与发达国家信用卡市场的比较，最后根据我国的现实情况提出了解决问题的策略与建议。

关键词：信用卡；利润；风险控制；发展策略

        

Abstract 

Credit card business in a foreign country is a very mature individual consumer credit products, and development in China is still in its infancy. In recent years, with the gradual increase of the personal income levels change and economic and financial situation, the personal credit gradually get attention, increasingly improving the environment with the card, the credit card market, the implication of the huge business opportunities and broad margins gradually appear, making the credit card business domestic commercial banks became the focus of competition. Credit card business has characteristics of high investment, high risk, high return. But there are a lot of banks in the credit card problems and difficulties developing. In this paper, the status quo of China's credit card market, summarizes the major issues faced by our country's credit card market analysis and comparison with developed credit card market, and concludes with a problem-solving strategies and recommendations based on the reality of our situation.

Key Words：Credit card; Profit; Risk control; Development strategy

目    录

摘    要 II

Abstract III

绪   论 1

1.我国信用卡业务发展状况 1

1.1国内现状透视 1

1.2信用卡业务在我国的发展潜力 1

2.我国信用卡业务与发达国家间的差距及发展中存在的问题 3

2.1与发达国家相比存在的明显差距 3

2.1.1信用卡的有效使用率低，盈利性差 3

2.1.2经营理念的差距 3

2.1.3发展途径的主要差异 3

2.2我国信用卡产业存在问题的成因分析 3

2.2.1产品缺乏差异化 3

2.2.2市场营销收效水平低，经营粗放 4

2.2.3征信系统不健全，社会配套工程存在差异 4

2.2.4信用卡受理环境差 4

2.2.5商业银行财务制度上的缺陷 4

2.2.6核心竞争力不够 5

2.2.7风险管理上存在巨大隐患 5

3  信用卡业务的发展策略 5

3.1从微观角度分析 5

3.1.1总体规划策略 5

3.1.2采取专业化经营策略 6

3.1.3采取强势而有特色的市场营销策略 6

3.1.4借助系统与非核心业务的外包发展策略 7

3.1.5风险控制与防范策略 8

3.2从宏观角度分析 9

3.2.1加快个人征信系统的建立 9

3.2.2建立科学、完善、可操作的法律框架 9

3.2.3鼓励持卡消费，推动消费信贷的发展 9

3.2.4加速公司化改革进程 10

结    论 11

参 考 文 献 12