后金融危机时代中国信用卡产业的发展

The Development of China's Credit Card Industry in Post-Crisis Era

信用卡资产证券化对美国信用卡危机的爆发起到了推波助澜的作用。与美国相比,我国信用卡产业总体运行状况良好,并未受到国际金融危机的严重冲击,市场拓展速度不断加快,风险控制要求更高,外包经营需求显现。但由于多种不稳定因素依然存在,产业发展之路并不平坦。各银行在后金融危机时代的信用卡业务发展中,要平衡市场拓展与风险管理之间的关系,在转型中谋发展,适时调整经营策略,注重产品与业务创新,密切加强与有关部门的交流与合作,从各个环节实施更为严格的风险管理措施,借助后台业务外包加速产业价值链整合,促进国内信用卡产业健康发展。

The asset securitization of credit card aids the outbreak of credit card crisis in the United States. Compared with the United States, Chinese credit card industry is running in good condition in general, and has not been seriously impacted by the international financial crisis. Chinese credit card industry is accelerating market development, requiring a higher demand for risk control and revealing the need for outsourcing. However, due to many uncertainties, the development path of credit card industry is not smooth. To develop credit card business in post-crisis era, banks should strike a balance between market development and risk management, adjust business strategy in the process of transition and development, attach importance to the innovation of product and business, strengthen the exchanges and cooperation with relevant departments, implement more stringent risk management in all aspects, accelerate the integration of the industry value chain with the back counter outsourcing and promote the healthy development of Chinese credit card industry.