金融学论文--论我国商业银行信用卡现状与未来发展趋势.docVIP

湖 南 涉 外 经 济 学 院 商 学 院 学　年　论　文 论文题目 论我国商业银行信用卡现状与未来发展趋势 学生姓名 学号 专业班级 指导教师 职称 二〇一五年 七 月三十日 摘 要 本文分析了我国商业银行信用卡的发展现状和存在的典型问题，提出了加强商业银行信用卡业务的风险防范、提高信用卡的服务质量、引入竞争，加快联网等三方面的建议。ABSTRACT Abstract In recent years, along with the continuous opening of Chinas financial market, the credit card business of our country has made rapid development, the credit card business of commercial bank has become an important commercial product in a mature financial market, the promotion of the present stage of our country commercial bank credit card business is fast growth stage, has a very important meaning to the healthy development of credit card business to Chinas national economic development. But the development of credit card business in our country at present still in the initial stage, facing various opportunities and challenges, the credit card business of our country compared with developed countries, there are still many problems to be solved. So when we enjoy in the high speed development of the financial industry brings opportunities at the same time, we should also recognize that our country commercial bank credit card business in many ways still remains to be perfect. Based on this background, this paper will analyze and Research on the status of our country commercial bank credit card business development, to our country commercial bank credit card market existing problems are discussed in detail, and for related problems put forward the corresponding solution countermeasures. Question research Keywords Commercial bank; Credit card; Development present situation; 目 录 关于我国商业银行信用卡业务发展现状的研究 …………………1 （一）银行信用卡业务发展的概述 ………………………………………1（二）信用卡业务规模不断扩大 ……………………………………………2 （三）商业银行的信用卡使用环境在不断完善 ………………………3 2.我国商业银行信用卡业务发展中存在的问题 ……………… 4 （一）服务质量有待提高 ………………………… 4 （二）信用卡业务经营方向上的盲目 ……………………4 （三）信用卡业务营销渠道缺乏整合 …………………4 二． 关于我国商业银行信用卡业务完善建议 （一）从立法上法规上健全