| 浅析我国信用卡产业的未来发展趋势 |
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| 引用本文： | 赵挺. 浅析我国信用卡产业的未来发展趋势[J]. 河南金融管理干部学院学报, 2006, 24(6): 93-97 |
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| 作者姓名： | 赵挺 |
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| 作者单位： | 广东发展银行郑州分行,河南,郑州,450008 |
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| 摘 要： | 行业管理体制与制度的适应性、前瞻性和延续性不强，信用信息的资源培植和价值开发尚处于起步阶段，相关法律体系的完备性不足等是我国信用卡产业发展存在的主要问题。我国信用卡产业未来发展的思路和措施主要是：成立独立核算、专业管理的信用卡业务中心，产业经营管理实行高度专业化分工，监管原则由单一的控制风险向合理控制风险转化，健全银行卡法律体系等。
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| 关 键 词： | 信用卡产业 存在问题 发展趋势 专业管理 |
| 文章编号： | 1008-7796（2006）06-0093-05 |
| 收稿时间： | 2006-08-02 |
| 修稿时间： | 2006-08-02 |
A Humble Opinion on the Future Tendency of China''''s Credit Card Industry |
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| ZHAO Ting. A Humble Opinion on the Future Tendency of China''''s Credit Card Industry[J]. Journal of Henan College of Financial Management Cadres, 2006, 24(6): 93-97 |
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| Authors: | ZHAO Ting |
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| Affiliation: | ZHAO Ting (Guangdong Development Bank, Zhengzhou Branch, Zhengzhou, Henan, China) |
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| Abstract: | The main existing problems in credit card industry development are： poor adaptability, prospective and continuousness of industry management regime and institution, fostering credit information resource and value developing still in the stage of setout, insufficient completeness of the related legal systems, etc. The philosophy and measures for China to develop the credit card industry in the future primarily are： establishing dealing center with independent settlement and professional management, highly specialized labor division for the industry management, supervision rules converted from the single risk - control to reasonable risk - control, perfecting bank card laws, etc. |
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| Keywords: | credit card industry existing problem development tendency |
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