摘要
与美国信用卡盈利模式相比,我国商业银行信用卡盈利能力不足的原因,主要是没有达到规模效益、定价不合理、征信缺失等,文章在此基础上提出了相应的对策和建议。
Based on the comparison of profit model of credit card business between China and the US, this paper derives that the root causes of poor profitability of credit card business in commercial banks of China are lack of scale, inadequate pricing, and lack of efficient credit rating system, related solutions are proposed.
出处
《改革与战略》
北大核心
2009年第10期65-67,共3页
Reformation & Strategy
关键词
信用卡
利息收入
年费
credit card
interest revenue
annual fee
