首页> 正文

中国信用卡市场分析

2020-12-11阅读(487)

中国信用卡市场分析

论文摘要

中韩两国建交19年以来,两国对经济、文化、教育等方面保持着友好的关系,进行交流并且取得了很大的成果。中韩建交以来,像银行业等金融产业的交流在逐渐扩大中。而且这也是两国交流中不可避免的趋势也是金融国际化的趋势。中国在实施改革开放同时也开始接受了信用卡。1978年中国银行的广州分行通过与香港东亚银行合作开办了信用卡业务。在1985年中国银行珠江分行发行了珠江卡。这也是意味着中国的第一个信用卡的诞生。中国政府在2002年3月,为了构建全国性银行卡结算网络设立了Union Pay。并且为了先占中国信用卡市场,外资银行和信用卡公司也活跃地准入。在快速成长的经济和2001年加入WTO后,金融业的对外开放,使得中国信用卡市场在国际化背景中快速成长。特别是加入WTO后经过政府的积极培育政策、银行联合卡的发行和银联结算系统的构建等方面取得了刮目相看的成长。中国在2008年北京奥运会和2010年上海世博会的举办的同时也获得了信用卡产业成长的大好机会。中国中央银行定义了自制人民币货币开发的技术规格,从2004年开始制定了对在中国被使用的国内专用信用卡IC芯片的规格,即统一了国内信用卡的PBOC规格。并且Application的开发、承认、发行等进行着IC芯片信用卡的规格和认证业务。在宏观观点来看,中国经济的飞跃式成长、对外开放的加速化、国民生活水平的快速提高、积极的信用卡普等的因素也会促使中国信用卡市场的持续性成长。但中国信用卡市场是还在初步阶段的,仍存在着各种问题。中国的信用卡市场还在银行为中心的借记卡掌握市面。目前中国信用卡产业在从初期转换到成长期的阶段。这意味着在风险管理经验及管理系统的不完整、性用卡加盟店网络的缺少和比起消费更习惯于储蓄的消费观念等问题的存在。随着中国信用卡发行量的猛增,也相继出现了在韩国金融危机时所出现的信用卡滥发和呆账等情况。对外国银行来说,中国的确是拥有着非常有魅力的市场,但处在无法充分发挥竞争优势的前景中。这是在中国政府对外资银行实行的区别性金融制度和以外企进入中国市场速度的调整的手段来运用的健全性规定的透明性短缺等方面可以找到其理由。这种制度性因素和网点短缺等的市场性因素影响着外资银行在中国市场确保顾客的困难。本论文通过查看中国银行产业的结构和现况、信用卡的发展过程以及分析韩国和美国的信用卡市场现况和特征来提示中国以后信用卡事业的有效发展方案和经营战略。

论文目录

  • 摘要
  • Abstract
  • Ⅰ. Introduction
  • 1.1 Back ground and purpose of the research
  • 1.2 Scope and method of the research
  • Ⅱ. Definition of credit card
  • 2.1 Significance of credit card
  • 2.2 Features of credit card
  • 2.3 Function of credit card
  • 2.4 Types of credit card
  • 2.4.1 Prepaid card
  • 2.4.2 Debit card
  • Ⅲ. Feature and process of credit-card market in U.S.A.,Korea and China
  • 3.1 Feature and process of credit-card market in America
  • 3.1.1 Process of credit-card market in America
  • 3.1.2 The present condition of credit card industry in America
  • 3.2 Feature and process of credit-card market in Korea
  • 3.2.1 The process of developing credit-card market in Korea
  • 3.2.2 The problem of Korean credit card industry
  • 3.3 The situation of Chinese credit card market
  • 3.3.1 Development of Chinese Credit Card Market
  • 3.3.2 The situation of Chinese Credit card market
  • Ⅳ. Analysis of credit card market in China
  • 4.1 Restriction of credit card market
  • 4.1.1 Credit card issuing entities in China
  • 4.1.2 Persons directly involved in a credit card in China
  • 4.2 Types of illicit use of credit card in China
  • 4.2.1 Illicit use by cardholders
  • 4.2.2 Loss caused by illicit use in China
  • 4.3 Credit card systems in China
  • 4.3.1 Illicit use by cardholders
  • Ⅴ. Digital money
  • 5.1 Digital money
  • 5.1.1 Emergence of new payment method
  • 5.2 Characteristics of digital money
  • 5.3 Types of digital money
  • 5.3.1 Types of digital money
  • 5.3.2 IC card type digital money
  • 5.4 Prospect of digital money
  • 5.4.1 Development of digital money
  • 5.4.2 Extended use of mobile banking
  • 5.4.3 Introduction of contactless micropayment method
  • Ⅵ. Problems of credit cards and its development direction in China
  • 6.1 Major problems and risks of credit card market in China
  • 6.1.1 Problems
  • 6.1.2 Major risks
  • 6.2 Development direction for credit card market in China
  • 6.2.1 Industrial development and regulation strategies
  • Ⅶ. Conclusion
  • References

    • 相关论文文献

    • [1].Credit Scoring Based on the Set-Valued Identification Method[J]. Journal of Systems Science & Complexity 2020(05)
    • [2].Research on potential risks and countermeasures of personal credit business of commercial Banks in China[J]. 校园英语 2018(04)
    • [3].Six Obstacles to Producing Reliable Big-Data Credit Reports[J]. Beijing Review 2016(50)
    • [4].An Investigation into the Impact of Credit Rating Changes on Bond Market and Stock Market[J]. 校园英语 2017(01)
    • [5].S&P Underestimates China's Ability in Debt Control[J]. Beijing Review 2017(Z2)
    • [6].A Cuideto Personal Credit[J]. China Standardization 2008(05)
    • [7].Credit Evaluation Model for College Students Based on Logistic Regression Model[J]. Journal of Donghua University(English Edition) 2016(05)
    • [8].Do significant risk warnings in annual reports increase corporate bond credit spreads? Evidence from China[J]. China Journal of Accounting Research 2019(02)
    • [9].Problems in Development of Micro-credit Loans to Farmers in China and Countermeasures[J]. Asian Agricultural Research 2014(05)
    • [10].National Standards System of Social Credit Established[J]. China Standardization 2014(05)
    • [11].The Analysis of Credit Using and Rationing under Farmer 's Risk Attitudes Difference[J]. Asian Agricultural Research 2015(04)
    • [12].WEEKLY WATCH[J]. Beijing Review 2011(32)
    • [13].Seeking Universal Credit Ratings[J]. Beijing Review 2011(32)
    • [14].Analysis on Risk Prevention Mechanism for Farmers' Default in Small Amount Credit[J]. Asian Agricultural Research 2011(12)
    • [15].Implementation of the General Rules of Grading Enterprise Quality Credit[J]. China Standardization 2009(06)
    • [16].ECONOMY[J]. Beijing Review 2019(30)
    • [17].Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises[J]. Agricultural Science & Technology 2014(07)
    • [18].一种基于Credit的变长分组并行交换网络调度算法[J]. 电子与信息学报 2008(09)
    • [19].The Road to Credit[J]. Beijing Review 2015(32)
    • [20].Issues concerning Development of Consumer Credit Business in China's Agricultural Bank[J]. Asian Agricultural Research 2012(04)
    • [21].Pricing Credit Spread Option with Longstaff-Schwartz and GARCH Models in Chinese Bond Market[J]. Journal of Systems Science & Complexity 2015(06)
    • [22].MARKET WATCH[J]. Beijing Review 2014(14)
    • [23].Financing the American Dream in China[J]. 海外英语 2010(08)
    • [24].How Does Debt Structure Influence Stock Price Crash Risk?[J]. Journal of Systems Science & Complexity 2018(02)
    • [25].The second batch of enterprises with "AAA" credit rating in China's foundry industry[J]. China Foundry 2013(02)
    • [26].What Can and Cannot Be Done about Rating Agencies[J]. China's Foreign Trade 2011(23)
    • [27].基于C2C的电子商务信用体系研究(英文)[J]. 计算机系统应用 2009(06)
    • [28].The First Batch of Enterprises with "AAA","AA" and "A" Credit Rating in Chinese Foundry industry[J]. China Foundry 2011(02)
    • [29].Credit scoring by feature-weighted support vector machines[J]. Journal of Zhejiang University-Science C(Computers & Electronics) 2013(03)
    • [30].Obama Knows the Problem is Serious[J]. 国际经济合作 2011(08)

    标签：;  ;  ;  ;  

    中国信用卡市场分析
    下载Doc文档

    猜你喜欢

    © 2024 毕速过 版权所有 鄂ICP备12018319号-5