浅析我国信用卡市场的发展

The Development of Our Credit Card Market

在西方经济发达国家,信用卡已经成为广大消费者购买商品和劳务的主要支付方式,也极大地刺激了个人消费信贷业务的发展,对整个国民经济的增长发挥着重要作用。信用卡业务已经成为经济发达国家中一些大银行的主要收人来源,也日益成为商业银行之间竞争的焦点。在我国,银行信用卡业务起步相对较晚,与世界经济发达国家信用卡产业的完善和成熟程度相比,国有商业银行的信用卡业务还存在着巨大差距,无论是主观认识方面,或者客观条件方面,还是实际经营管理方面都存在着相当多的问题。

In the western developed countries, credit card has been the main payment choice for customers consuming or purchasing commodities and labors, which promotes the development of credit business of individual consumers and plays an important role in the development of national economy. Credit business has been one of the main income resources of big banks in many developed countries, thus, it has become the focus of business bank competition. In China, credit business developed slowly. And there is a great gap between our credit business and the western countries which has developed quite fast in marketing and management objectively or subjectively.