摘要
小企业信用卡是美国国内市场上一种十分重要的信用卡类型,但我国国内尚无完全意义上的小企业信用卡。富国银行、美国银行、大通银行等主流商业银行推出的VISA/MASTER信用卡是美国市场占有率较高的小企业信用卡,美国运通公司也有小企业信用卡服务。本文建议可以加快我国小企业信用卡可行性研究,在突出商业银行综合化金融服务的基础上,尽可能提供有吸引力和竞争力的积分奖励条件,力争推出国内首张小企业信用卡,建立品牌知名度。
Small business card is a major kind of cards in US market and which is not very popular in China. Banks as Wells and Fargo, Bank of America, Chase Bank are the major suppliers of the Master or Visa credit cards ; Express Company also has small cards service. This paper advises that Chinese banks need to make the feasibility study and provide the attractive and competitive conditions in base of the banks' comprehensive financial service. The bank who develops the first small business card in China will have the brand awareness and first-mover advantage.
出处
《区域金融研究》
2015年第11期33-38,共6页
Journal of Regional Financial Research
关键词
美国
小企业信用卡
信息不对称
交叉销售
USA
Small Business Cards
Information Asymmetry
Cross-Selling