Analysis And Measures Of The Chinese Credit Card Industry Development

As a new way of bank pay. credit card has been playing great role in improving social Payment efficiency, lowering trade costs, and improving trade security .As its effect is growing in the social and economic life, the rate of using credit card payment and the ratio of loan are also rising every year Credit card businesses improve the profit of financial institution, which makes its profit ratio improved in the total profit.Credit card is becoming a new way of proving business bank profit, at the same time, it play important effect in facilitating people life, exciting consumption, promoting electronic and technologic business, retail, flying travel and so on .The credit card business is an important part in finance industry, and it now still evolving and renovating. The development of the credit card industry focus our attention in the developed countries such as Europe and America. But the development of the credit card development in our country is much lower than that of the Occident, which means there is a great develop space in our credit card domain, while at the same time it reflects its immaturity in our country, and people consciousness of using the credit card needs to be reinforced and the environment to using cards needs to be further improved. And actual supervisal systems of the finance, managements of the banks, the forms of the financial organs are unable to adapt to the development of using credit card completely. This article begin to introduce the credit card basic knowledge and its industrial conception, then using many measures, such as dates analyses, system analyses, contrast analyses etc. And meanwhile through comparing the card's developed processes, characters, developed regulars in china to scientifically analyze Chinese credit card developed stages, characters, as well as its existent and serious problems, through finding the development of credit card industry suit for our national condition, we discuss and analyze carefully in order to advance economy increasing, improve the quality of people's life, decreases the cost of social trade and make more safe for the industry.This article can be divided into four parts: Firstly, to introduce the credit card basic knowledge and its industrial conception, as well as its four main using and its related Business, having an summary about its basic characters; Secondly, to investigate and analyze the its development and transform in Europe and America, Korea, Taiwan, and other A.sia countries, and its enlightenment for china credit card business; Thirdly, through introducing Chinese credit card's developed processes, characters, to scientifically analyze the problems existing in...