金融市场开放背景下信用卡业务发展态势研究

信用卡业务是现代商业银行的重点业务,在国内金融市场全面开放后,我国银行业如何迎接这一挑战将在一定程度上影响着自身的竞争能力.本文从分析国内银行卡业务的发展现状出发,详细阐述了信用卡业务竞争激烈的原因、外资银行在信用卡业务上具有的优势,以及国内商业银行在信用卡业务上面临的挑战.在此基础上,提出了国内商业银行应从5个方面改进信用卡业务的经营管理,具体包括更新经营理念、完善相关制度体系、培养专业人才、健全营销机制和提升服务品质.

The Study of Developing Situation of Credit Card Business in Open Financial Market

Given the significance of credit card business in the modern commercial bank operation, how Chinese commercial banks face the challenge of the overall opening-up of domestic financial market. On the basis of the introduction to the credit card business's developing status, the paper elaborates on the causes of intense competition in credit card business, foreign-funded banks' advantages in this business and challenges faced by domestic commercial banks. Moreover, the paper points out that domestic commercia...