欠发达地区银行卡业务存在的问题及发展思路

Problems in banker cards service in under-developed areas and the solutions

近年来,随着我国经济金融格局的变化和个人收入水平的逐步提高,个人信用逐步得到重视,银行卡市场所蕴涵的巨大商机以及广阔的盈利空间逐步显现,从而使得银行卡成为国内各家商业银行未来几年竞争的焦点。然而商业银行的银行卡业务发展还存在着不平衡现象,特别是欠发达的地区,无论是其市场份额,还是对消费领域的影响,都与商业银行在当地其他业务的发展极不相称。从制约欠发达城市银行卡业务发展存在的问题进行探讨,提出一些发展的思路及策略。

In recent years, with the changes of Chinese economical finance pattern and individual income horizontal gradually enhancing, individual faith is gradually obtained the value. Huge business chances which the banker cards market contain as well as the broad profit space gradually appears, thus it will make the bank card become the point that the domestic commercial banks compete in future several years. However, unbalanced development of commercial banker＇ cards service also exist, especially in under-developed areas, in either its market share, or the influence in expenditure all being, extremely unsymmetrical with the other services＇ development.