经济波动的后金融危机时代银行卡发展策略分析

Analysis on the Strategy for the Bank Card Business After Global Financial Crisis

2008年以来,由美国信贷危机引发的国际金融危机通过各种渠道,直接或间接对我国金融机构的业务发展产生了深刻的影响。2009年中国经济在下降中出现了逐渐复苏的势头,2010年银行卡在拉动经济、刺激消费中发挥了较明显的作用。尽管如此,作为典型的双边市场的银行卡市场,其业务的发展取向问题一直是理论和实践界共同关注并持续研究的热点课题。结合银行卡业务的市场绩效,对外部经济环境以及银行卡业务发展的变化趋势进行了较为详细的分析,结果表明,在新的经济形势下,银行卡业务发展可以从改善公司治理结构并完善公司治理机制,进行业务统筹规划以及加强风险的监管等方面进行调整。

The global financial crisis originated from the American credit risk has directly or indirectly influenced Chinese financial business since 2008. Statistic data shows that there was a trend of economic recorery in 2009 in China. Bank cards also played an important role in increasing domestic demand to stimulate economic growth in 2010. As a typical two-sided market, the topic of development of bank card has always become a focus in many fields. This article makes a deeper analysis on the bank card business and gives some suggestions on the strategies such as： improve commercial bank＇s corporate governance, consider the credit and debit card together and strengthen the card business control in China.