我国信用卡的费率问题

The problem of credit card rate in China

虽然我国信用卡市场已经得到了长足的发展,但并不成熟,目前还存在许多问题,比如卡的种类繁多但功能雷同,尤其是现在费率问题更为突出。文章通过对我国信用卡的发卡量、消费金额和年费的数据分析,结论是无差异高额的费率既抑止了人们的消费也阻碍了信用卡市场的发展。与此同时,还介绍了国外的信用卡利率模型,以便使我国信用卡的各种费率的确定更趋于科学合理。这可以作为我们今后的研究方向。

Although the credit card in China has developed well, it is not mature and has many problems, such as there are many kinds of credit cards but they have the similar function, especially the problem in the credit card rate. This paper analyses the relationship between the card quantity, the consumption sum and the rate, then shows that the same and high rate restrains the customers to use the credit card and blocks the development of the market. Also we introduce the foreign model of credit card rate, through this we can make our rate scientific and logical. This can be our future study.