信用卡消费积分营销机制的分析与创新

一．建立健全信用卡消费积分营销机制的积极意义 近年来,随着电子货币结算和电子商务产业的快速发展,我国商业银行的信用卡业务迅速扩张,信用卡已成为我国居民普遍使用的支付工具,刷卡消费已逐渐成为居民的日常消费常态,信用卡市场的竞争日趋激励。     

信用卡消费积分营销机制的分析与创新

一、建立健全信用卡消费积分营销机制的积极意义 近年来,随着电子货币结算和电子商务产业的快速发展,我国商业银行的信用卡业务迅速扩张,信用卡已成为我国居民普遍使用的支付工具,刷卡消费已逐渐成为居民的日常消费常态,信用卡市场的竞争日趋激励.为了有效扩大市场份额,提高市场占比,在激烈的信用卡市场竞争中分得一杯羹,各商业银行纷纷建立信用卡消费积分营销机制,制定信用卡消费积分规则,设计信用卡消费促销方案和活动,推出各具特色的信用卡消费积分回馈等优惠服务,使信用卡市场的竞争趋于白热化.     

中资银行信用卡积分计划的探讨

本文介绍中国信用卡积分的背景和盛行的原因。从经济效益、便捷度、金钱对应性三个角度将中资银行及中外商业银行的积分计划进行对比分析,研究中国信用卡积分市场的现状及中外市场的差别,同时对信用卡积分计划的未来进行展望,指出发展的困境及解决思路。     

信用卡风险管理初探

随着信用卡的普及,信用卡的风险管理已成为商业银行风险管理的一个重要内容。本文围绕当下国内信用卡的消费环境以及信用卡风险管理现状,从四个方面对商业银行的信用卡风险管理作了探析。     

基于市场消费与竞争态势的信用卡品牌战略

我国信用卡市场处于快速发展的高峰期,多数商业银行采取信用卡大量营销的模式,由此形成同质化的片面追求发卡量模式,引发了信用卡市场循环透支消费与消费习惯、盈利预期与战略持续的深层次结构问题。面对信用卡市场存在的风险隐患,商业银行要通过市场细分、目标市场选择和市场定位的策略改进,进而在过度信息市场环境下,有效实施信用卡品牌战略。     

我国商业银行信用卡风险管理探讨

随着科学技术的发展及信用卡安全性日渐完善．刷卡消费为居民的出行和消费提供了一大便利。从我国消费的现状来看．信用卡刷卡消费占消费总额的比重越来越大．商业对信用卡风险进行防范即有利于稳定金融环境,促进经济发展并维护社会稳定。也能从本质上控制自身的风险,并进而提高商业利润．因此其意义重大。本文对我国使用信用卡的现状及我国商业银行在信用卡风险管理中存在的问题做出讨论．并针对信用风险、技术风险等提出了改善商业银行风险管理的方法。     

信用卡消费水平分析与提升措施

当今，刷卡消费已渐成热点和时尚。本文通过对某地区一商业银行在一定时期内信用卡消费交易情况的分析，探求信用卡客户消费活跃度，水平和消费习惯的共同特征。从而为制定信用卡营销策略，发展商户和改善用卡环境等提供一定的参考。     

商业银行信用卡发放的风险管理

随着我国经济的转型,人民生活水平的提高,人民的消费习惯也在改变,商业银行的信用卡业务正是在这种新形势下发展起来的。商业银行信用卡的发放可以为商业银行带来更多的利润,也为人民提供了方便的信贷服务,但是信用卡在发放和管理中也存在很大的风险,这些风险包括违约,欺诈,套现等。一旦信用卡发放的风险没有得到控制和管理,这将对商业银行及其整个金融体系产生非常严重的后果。本文从商业银行信用卡发放风险着手,就信用卡发放的风险管理给出自己的意见。     

信用卡消费积分兑换有门道

如今，发行信用卡的银行，几乎没有哪家不为自己发行的信用卡建立配套的消费积分计划。大多数人就此认为，发卡银行信用卡积分兑换，就是向持卡人白送礼品，没有什么可注意的，够条件直接领取就是了。     

信用卡营销实务分析——以网点营销模式为例

近年来,随着广大老百姓对银行信用卡认知度越来越高,消费理念的不断变化,各家银行的信用卡业务也得到了前所未有的发展,但随着越来越多的银行加入到信用卡业务的竞争中,我国商业银行信用卡营销竞争越来越激烈。作为商业银行新的利润增长点,做好信用卡营销不仅是促进自身发展的有效手段,也是推动我国商业银行经营多样化的必然要求。     

Debt and Taxes and Uncertainty

With a graduated personal tax schedule, Miller showed that there could be an equilibrium debt supply for the corporate sector as a whole. In the presence of uncertainty there is also a unique debt/equity ratio for each individual firm, and this ratio is related to the firm's operational risk characteristics. However, if firms merge and spin off in response to tax incentives, the identity of firms is ambiguous and only the corporate sector is a meaningful construct. These arguments are developed in both discrete and continuous models that employ extensions of the arbitrage-free pricing theory.     

教育与资本怎样的前景怎样的现实

来自政府的声音: "动员各种社会资源,发展教育" 此次论坛上财政部长助理张少春的发言是最受关注的发言之一.他的演讲传达出的信息有这样几方面:第一,谈到现实,他认为全社会对教育的巨大需求与我国公共投入不足已成为我国教育事业发展的突出矛盾.近年来,以公共部门投入为主,多渠道筹措教育经费的教育投入机制成为解决这一问题的重要途径,也使得公共部门与私营部门在教育领域的合作日益密切.第二,谈到前景,他认为,1.中国经济持续、快速的增长对高技能人才产生巨大的需求,这为私营部门的参与提供了广阔空间.2.随着公共财政职能的不断完善,财政资金将在各项教育事业中重新进行分配,进一步优化财政支出结构,提高资金的使用效率.在"十一五"期间,我国将把公共支出的重点转移到农村.我们将逐步把全体农村适龄儿童的义务教育全部纳入公共财政体制.     

Director gender and mergers and acquisitions

Does director gender influence CEO empire building? Does it affect the bid premium paid for target firms? Less overconfident female directors less overestimate merger gains. As a result, firms with female directors are less likely to make acquisitions and if they do, pay lower bid premia. Using acquisition bids by S&P 1500 companies during 1997–2009 we find that each additional female director is associated with 7.6% fewer bids, and each additional female director on a bidder board reduces the bid premium paid by 15.4%. Our findings support the notion that female directors help create shareholder value through their influence on acquisition decisions. We also discuss other possible interpretations of our findings.     

Political corruption and mergers and acquisitions

This research examines the relation between political corruption and mergers and acquisitions (M&As). We find that local corruption increases firm acquisitiveness but decreases firm targetiveness. The levels of corruption in acquirer areas relate positively to the bid premiums and negatively to the likelihood of deal completion. Corruption motivates acquiring firms to use excess cash for payment, which mitigates the negative effect of corruption on acquirer shareholder value. The evidence indicates that acquisitions help acquiring firms convert cash into hard-to-extract assets and relocate assets from the high to low corruption areas, thereby shielding their liquid assets from expropriation by local officials.     

East and west and north and south : A preliminary model

The Brandt report and other proposals for a new North-South world order continue to be the focus of lively debate, yet it is often argued that little concrete has emerged from their recommendations. A major reason for this, the author argues, is that the East-West conflict component is not sufficiently taken into consideration-East-West tensions are a severe constraint on and a determining factor of North-South relations. Using influence diagrams, the author develops a flexible framework for discussion and assessment of N/S-E/W relations.     

Trust and cross-border mergers and acquisitions

A number of studies suggest that social trust matters for investment. Using different measures of trust from World Values Survey, we show that countries where people display higher levels of trust engage in more cross-border M&A activities. When they do, these acquirers pay lower premiums. To the extent that these acquirers also tend to engage in larger acquisitions as well, our findings suggest that a larger selection pool of potential targets and higher value targets enable these acquirers to negotiate for lower premiums. We do not find evidence of the significant effect for target country trust levels. Hence, trust may benefit those acquiring firms in cross-border transactions.     

Tournament-based incentives and mergers and acquisitions

This research examines the relation between tournament-based incentives, which are proxied by the difference between a firm's CEO pay and the median pay of the senior managers, and mergers and acquisitions (M&As). We find that tournament-based incentives are positively related to firm acquisitiveness and acquiring firms' stock and operating performance. Further analysis indicates that positive acquisition performance increases the likelihood of the CEO being promoted from inside the acquiring firm. Our evidence is consistent with the view that tournament-based incentives motivate acquiring firms' managers to make greater efforts and take more risk that result in superior acquisition performance.     

Corporate Innovations and Mergers and Acquisitions

Using a large and unique patent‐merger data set over the period 1984 to 2006, we show that companies with large patent portfolios and low R&D expenses are acquirers, while companies with high R&D expenses and slow growth in patent output are targets. Further, technological overlap between firm pairs has a positive effect on transaction incidence, and this effect is reduced for firm pairs that overlap in product markets. We also show that acquirers with prior technological linkage to their target firms produce more patents afterwards. We conclude that synergies obtained from combining innovation capabilities are important drivers of acquisitions.