五成居民从未想过申请信用卡 信用卡普及路还很长

信用卡进入中国市场已有二十年的历史，但直到近几年才开始成为各银行着力推广的热点业务．竞争日益激烈，中国信用卡市场发展现状到底如何呢？[第一段]     

看得见的成就 看不见的努力——招商银行信用卡以服务创造品牌价值

说到中国的信用卡,就不能不提招商银行。自2002年12月开始,8年来,它不断刷新着人们对中国信用卡的各种定义:中国第一张Mini卡、第一张航空卡;首先推出免息分期付款、首创信用卡网上商城……     

透视"刷卡族"

进入数字时代后，各类卡片越来越多，大街小巷也满布各种媒体关于卡片的广告。刷卡，开始与现代人的生活息息相关了。除了一般的信用卡和储蓄卡外，如今更有贵宾卡、打折卡、会员卡等等；乘车有卡，吃饭有卡，出去旅游也有卡，即使上下班也是打卡。     

信用卡品牌有其形而未成型

<正>银行业是个品牌集中的行业。除银行品牌外,信用卡、VIP服务、网上银行、房贷等业务都有各自的品牌,这些业务品牌同样都具有独特的名称、VI设计、品牌定位和业务内涵。然而,众多的品牌并没有形成有效认知,日前     

信用卡:想说爱你不容易

新年伊始,听说工商银行上海分行推出附送保险的贷记卡,笔者满怀欣喜地跑到该行办卡处,想去办一张这种信用卡.然而,当我得知办这种卡还需要担保、质押、抵押、保证金以及开立信用备用金账户等一系列繁而杂的手续时,我的热情顿时大减,不由感叹:办一张信用卡,何时才能轻松起来!     

信用卡消费调查

<正> 为了了解京沪两地人民币信用卡顾客对于相关使用和服务的满意程度,益普索(IPSOS)市场研究公司分别在京沪作了针对信用卡的定点访问调查,调查的对象为18岁至50岁的信用卡持有和使用者,共调查1013人(其中上海502人,北京511人)。调查的结果显示:     

Ethical Issues in Credit Card Solicitation of College Students – The Responsibilities of Credit Card Issuers,Higher Education,and Students

Credit card companies aggressively solicit college students, without regardfor the consequences of high credit car debt for these customers. Theethical conflict of the sale of easy credit to college students too oftenresults in hazardous outcomes akin to the solicitation of youth by cigarettecompanies. This paper will investigate the dangers that credit card use presents to theyoung customer, the unethical manner in which the companies that issue these cards promote their products to this audience, and the role of institutions of higher education. A majority of students are not only using credit unwisely (average balances of over $1000 regardless of who reports the data) but are payingexorbitant interest (18%–22%). The credit card companies call this``responsible' use. They are collecting enough interest and fees to morethan cover losses resulting from bankruptcy. They use a variety ofmarketing techniques to lure college students – glitzy `MTV' type shows,free prizes and gifts, special interest rate offers, and now they can pretendthrough `educational services' to explain to college students why credit cards are important.This paper investigates the ethical considerations of credit card solicitationof college students as a result of research into factors that influence thenumber of credit cards held by these students. Current solicitation policiesof colleges and universities are also presented.     

创意——信用卡营销致胜之道

摊开钱包，色彩各异的银行卡布满其间，购物付款，一堆信用卡之间，不知如何选择。信用卡已不再充满神秘。几年前，还被少数人用以炫耀的信用卡忽如一夜春风来，充斥于每个人的钱包和大小消费场所。昔时王谢堂前燕，今日寻常百姓家，信用卡在中国已经走向大众时代。     

信用卡的信用风险及其防范

信用卡信用风险的类型有:资信风险、欺诈风险、套现风险、代理商户风险等.从信用卡信用风险角度出发,通过应用评分卡模型对目标客户和现有客户的信用历史纪录和行为特征进行系统分析,以预测其未来的表现.防范信用卡信用风险,应提高信用卡申请人资信评估的准确度,建立个人信用实码制和计算机联网查询系统,完善内部管理制度,加强透支贷款质量管理,提高信用卡业务的信用风险管理水平.     

Helping Consumers Choose a Credit Card

Choosing an economically appropriate credit card requires that two kinds of information be available: knowledge of one's credit card usage and comparison information on credit card costs. This article examines a recent Canadian information program on credit card costs and presents the results of a study designed to test the effectiveness of changes in the information presentation format.     

Credit Card Use and Compulsive Buying Behavior

ABSTRACT

Compulsive buying behavior is a negative form of behavior that leads to overspending. In the current study, the author examines the applicability of a compulsive buying behavior scale developed by Valence et al. (1988) with Indian consumers. Compulsive buyers are likely to relate money to power, success, and status. Compulsive buyers perceive their purchases as a way of overcoming negative self-esteem and anxiety. The influence of consumers’ attitude toward credit cards, demographic factors, and credit card use on compulsive buying was studied. The findings suggest the compulsive behavior scale should be modified in the Indian context. Age, income, education, and marital status influence compulsive buying. Consumers’ attitude toward credit cards did not affect compulsive buying.     

银行信用卡数据集市系统的设计

重点讨论信用卡数据集市的建立方案和在银行业务中的应用,在分析了现有银行信用卡管理信息系统的现状后,讨论信用卡数据集市系统的设计思想和设计架构,并展望了其在银行信用卡业务中的应用前景