【作者】 李志强；

【导师】 王汉斌；

【作者基本信息】 太原理工大学 ， 管理科学与工程， 2006， 硕士

【摘要】 随着市场经济竞争的加剧，国内各个银行都把目光落在了还没有开发的庞大的大学生市场上。商业银行自身必须转变经营观念，形成自上而下的紧迫感和危机感，从提升银行卡品牌形象、拓展市场份额的高度上认识发展大学生银行卡的战略意义，适应当前形势的要求。真正树立以市场为导向、以客户为中心的经营理念，改变以往重发展扩张、轻效益管理的经营方式，最大限度地实现规模与经济效益的同步增长，做好迎接外资发卡机构挑战的准备。 本文在充分调研的情况下，针对大学生卡需求量大与发展规模小的不协调现象，结合有利于大学生卡发展的内外部环境分析和入世后的机遇与挑战，选择如何发展大学生卡进行研究。在基于银行卡一般风险管理安全的基础上，通过大量数据调查、分析，并结合大学生目前的思想状况、信用程度、消费偏好等特点，利用理论论证相结合首次设计了我国大学生银行卡业务经营的内、外部制度设计和业务经营的安全管理信息系统，为进一步大力发展大学生卡业务做出了有益尝试。更多还原

【Abstract】 As the increasing of the competition in market economy, each bank in China pays more attention to the underdeveloped market of college students.Commercial bank must change its operating aims and have the sense of pressure and crisis. They should improve the image of the sample credit card and enlarge the market share in order to develop the credit card for college students and meet the requirement of the present situation.To develop the operating aims of the market guide and the guest center, they have to change the past operating aims of enlarging and belittling the managing efficiency. They have to realize the same development of both dimensions and economical efficiency to the furthest in order to receive the challenge of the issuing credit cards by foreign capital banks.Through the sufficient research, the author of this thesis has studied that how to develop the credit card for college students and the out of line situations between the larger requirement of students’ credit cards and更多还原