BankCard Industry: The Theory Of Development And China's Strategy

Bankcard is the combined product of traditional finance operations and modern information techniques. The progress of bankcard in developed country has come into the mature stage, and has formed immense industrial system. Bankcard industry has become the most potential industry in developed country. But bankcard development in our country is still at the growing stage and has gradually revealed as a burgeoning and rising sun industry, and also present flourish vital force. In this text, we in view to seeing about the holistic situation of bankcard industry, and carried out theoretic analysis, market application research, and China bankcard development stratagems.In our research, money evolutionism, consume economics, industry economics, information economics, and other associated theories w.ere applied to explained major economy phenomena in bankcard field from the point of economic view, to analyze inevitable tendency of bankcard producing and developing, to expound theoretic and social base of bankcard development credit consume, and to dissertate value chain and frame of bankcard industry. Furthermore, after carrying out market analysis and application research combined with internal and overseas bankcard industrial development status, we elicited essential rules of bankcard industrial development and developmental stratagems of China bankcard. There were ten chapters in this text, except Chapter 1 "introduction" and Chapter 10 "conclusion and prospect", divided into three portions: theoretic analysis, market research and China stratagem research.Chapter 2 to Chapter 4 was about theoretic analysis. After analyzing the radical reason of bankcard producing, we pointed out that bankcard was the third transform of money developmental history, and was also the result of information technique unceasing progress, and it would unceasing innovate along with the development of information technique. Because of typical characteristic of retail finance operation, bankcard had scale economy domino effect and area economy domino effect. Economy development and consumptive requirements could promote bankcard development. On the other hand, bankcard could extend consumptiverequirements, improve economy circulate efficiency, accelerate economy increasing, and bring effect on national money policy. Describing bankcard industry benefit motivation and benefit source, and demonstrating effective combination of government action and market mechanism would greatly accelerate rapid development of bankcard industry.Chapter 5 to Chapter 7 was about market research. From the point of international bankcard market analysis, we expounded international bankcard had characters of industrial large scale and concentrative, and accept and hear a case channel diversification. We pointed out that bankcard had credit risk, cheat risk and manipulation risk; therefore, should pay highly attention to bankcard risk and keep it away. Furthermore, we discussed the specialization, marketability, and company developmental system of international bankcard, and their revelation to China. Though comparative analysis of internal and overseas bankcard industry development, we pointed out that China bankcard industry existed internal system restricts and external environment restricts.Chapter 8 to Chapter 9 was about stratagem research. On innovational of Chinese business model of Bankcard, Touches upon the establishment of the multi-pole model, the distribution of market, the management of companies, the international cooperation, the supports of government and so on. The stratagem significance of discussing China bankcard industrial development was helped to extend consumptive requirements, promote civil economy increasing, protect independency and safety of national finance system, strengthen government macro-control ability, and accelerate informational course of civil economy. We pointed out that tactic target of China bankcard industrial development was incubating and creating national bankcard industrial system with international competitive power and China bankcard brand with international force. After analyzing the development tactic of China bankcard industry, we suggested six corresponding stratagem countermeasures. Firstly, "three-one" tactic against oligarch monopoly competition and establish China bankcard national brand. Secondly, through exerting four forces to drive bankcard market development. Thirdly, bankcard management system innovations rebuild China bankcard industrial development system. Fourthly,environment reconstruct boost up competition predominance. Fifthly, technique innovations improve persistent developmental power. Finally, through internationalization route to take part in international competition.