Problems And Countermeasures Research Of Our Country Commercial Bank Credit Card Business

With the development of the economy and the mature of the financial market, as a modern payment tool, credit cards enter our country and get constant development. Its convenience, safety are better than that of debit cards released at that time, which makes the fresh blood pour into the Chinese financial market. After the first credit card issued by the bank of China, our country has its own credit card. Until today, it has become a kind of financial product including access to cash, settlement, consumption and other functions. China’s banking industry considers the credit card business as one of the most important business.The maturity of the credit card market in China is much lower than that in the developed countries. There remain many problems. Also, the foreign banks have a great influence on the development of Chinese credit cards. And due to the imperfect credit system, the immature credit card business, and related legal lag, all the above cause the loss situation of the credit card business in China as a whole.Therefore, Chinese financial institutions and card issuers deeply need to analyze the existing problems in the development of credit card business in our country, and explore the development mode suitable to China’s credit card.Problems and countermeasures research of our country commercial bank credit card business are divided into six parts:The first part introduces the present situation of China’s credit card. First of all, the paper expounds the origin of the credit card; the concept from the broad sense and narrow sense; the types, functions and the income of credit card. The second part focuses on the development history of the credit card in the developed countries and regions, and the inspiration that shows us. The third part summarizes the problems existing in the development of credit card in our country at present stage. The fourth part deeply analyzes the problems existing in the third part, and studies the unfavorable factors in the development of the Chinese credit card. The fifth part put forwards the reasonable ideas and suggestions, on the basis of in-depth analysis of Part4, combined with the characteristics of credit card business in our country and the beneficial experience from foreign developed countries. The sixth part summarizes the above view of points.