【正文】 ... 10 1．世界銀行卡業(yè)格局 ............................................................................................................ 10 2．世界主要國家和地區(qū)信用卡產(chǎn)業(yè)發(fā)展情況 .................................................................... 10 三、我國信用卡市場發(fā)展存在的主要問題 .......................................................................... 13 （一）發(fā)卡行存在的問題 ...................................................................................................... 13 1．各銀行存在惡性競爭 ........................................................................................................ 13 本科生畢業(yè)論文 ii 2．信用卡管理及配套服務(wù)不到位 ........................................................................................ 14 3．產(chǎn)品缺少差異化，營銷手段過于呆板 ............................................................................ 15 （二）持卡人存在的問題 ...................................................................................................... 16 1．對信用卡的使用不積極 .................................................................................................... 16 2．信用觀念缺失 .................................................................................................................... 19 （三）特約商戶存在的問題 .................................................................................................. 20 1．特約商戶發(fā)展緩慢 ............................................................................................................ 20 2．信用卡服務(wù)水平有待提高 ................................................................................................ 21 （四）其他問題 ...................................................................................................................... 22 1．信用卡立法不完善 ............................................................................................................ 22 2．個人信用體系不健 全 ........................................................................................................ 23 3．銀聯(lián)與特約商戶之間的矛盾 ............................................................................................ 24 4．外資銀行的競爭優(yōu)勢明顯 ................................................................................................ 25 5．信用卡消費環(huán)境缺乏安全感 ............................................................................................ 26 四、我國信用卡市場健康發(fā)展的對策思考 .......................................................................... 28 （一）對發(fā)卡行應(yīng)采取的措施 .............................................................................................. 28 1．實現(xiàn)信用卡市場競爭從量的競爭向質(zhì)的競爭轉(zhuǎn)變 ........................................................ 28 2．完善信用卡配套服務(wù) ........................................................................................................ 28 3．加強信用卡品種及業(yè)務(wù)的開發(fā) ........................................................................................ 30 （二）對持卡人應(yīng)采取的措施 .............................................................................................. 32 1．逐步轉(zhuǎn)變傳統(tǒng)消費觀念 .................................................................................................... 32 2．建立社會信用體系和失信懲罰機制 ................................................................................ 33 （三）特約商戶應(yīng)采取的措施 .............................................................................................. 35 1．合理地提升特約商戶數(shù)量 ................................................................................................ 35 2．改善信用卡的用卡環(huán)境 .................................................................................................... 36 （四）其他措施 ...................................................................................................................... 38 1．加強立法 ,打擊信用卡犯罪 ............................................................................................... 38 2．提高風(fēng)險防范意識 ............................................................................................................ 40 3．充分借鑒國外經(jīng)驗 ............................................................................................................ 40 結(jié) 束語 ...................................................................................................................................... 43 本科生畢業(yè)論文 iii （一）主要結(jié)論 ...................................................................................................................... 43 （二）研究展望 ...................................................................................................................... 45 參考文獻(xiàn) .................................................................................................................................. 47 致 謝 ...................................................................................................................................... 49 聲明及論文使用的授權(quán) .......................................................................................................... 50 本科生畢業(yè)論文 1 引 言 我國的第一張信用卡發(fā)行于 1995 年，但是，在那以后很長一段時間里，由于受到技術(shù)水平、經(jīng)濟環(huán)境和觀念意識等因素的制約，作為現(xiàn)代商業(yè)銀行重要的中間業(yè)務(wù)之一的信用卡業(yè)務(wù)，一直沒有得到各家商業(yè)銀行 的重視。 The Credit Card Market。 Establishing Social Credit System and punishment mechanism against deception, only in this way can we to improve the petitiveness of China credit card industry. Finally is the conclusion to the thesis. Technology development and applications in the financial field will also be with a greater development in the functional, system, mechanism and the whole environment. China39。 credit card’s short of type. Core thesis of the article put forward measures to the future development, issuers, cardholders and merchants should take special action: improving supporting services。s credit markets, including the United States, Japan and South Korea credit card market are outlined. Then paper focu