我国商业银行信用卡业务发展对策研究

Research on the strategy of credit card business development of the commercial banks in China

随着经济全球化,我国市场经济与世界接轨,我国的市场经济发展不断加速,金融体制的改革也逐渐深入。为使商业银行能够更好地辅助我国经济发展以及促进商行自身的进步,商业银行开始战略转型。我国商业银行中间业务开始逐渐显现自己的优势,甚至有超越传统业务的趋势,而信用卡业务作为商业银行重要的中间业务,成为商业银行盈利的重要业务。信用卡业务较传统业务有高风险、高收益的特点,同时信用卡业务发展过程中也不断出现新的问题,应受到高度重视。

With the economic globalization,China＆#39;s market economy and the world economy,accelerating the development of the market economy in China,the reform of the financial system is gradually in depth. In order to make the commercial banks can better help the economic development of our country and promote the firm＆#39;s own progress,commercial banks began a strategic transformation. The intermediate business of commercial banks in China begin to show their own advantage,even beyond the traditional business trend,and the credit card business as important commercial bank intermediary business,has become an important business of commercial bank profitability. Credit card business is the traditional business has the characteristics of high risk,high income,and a new credit card problems also appear constantly business development process,should be paid more attention.