【作者】 张伟；

【导师】 贤成毅；

【作者基本信息】 广西师范大学 ， MBA（专业学位）， 2017， 硕士

【摘要】 金融业作为我国经济社会的最基础组成部分,在我国的经济社会发展中扮演着越来越重要的作用,金融业发展的好坏,一定程度上影响着全国经济社会的发展趋势和走向。近年来,国家越加重视金融业的统筹协调发展,出台了一系列扶持金融业加速良性发展的优惠政策,在财政、税收、科技等方面给予大力扶持,支持金融业发展。当前我国商业银行发展不均衡,一些地方商业银行发展质量不高,信用卡管理混乱的问题较为突出,一些地方商业银行发展思路单一,业务管理方式出现了偏差,信用卡分期业务推进缓慢的局面难以在短时间内得到改善,这些问题的存在或多或少的影响着我国地方商业银行的发展效率和质量,安徽HS商业银行作为安徽省资金力量较为雄厚的新兴地方商业银行发展前景良好,经济效益乐观,2012年以来积极开展信用卡分期业务,取得了一定的成绩,但是面临着行业内竞争者竞争能力较强,潜在竞争者和替代品随着进入市场的风险,如何开发和利用现有客户资源,更好发展信用卡分期业务促进安徽HS商业银行较快发展,值得引起我们的重视和探讨,如何破解这一难题,促进地方商业银行信用卡分期业务持续快速发展成为了越来越多的专家、学者关注和研究的焦点。本文将从地方商业银行发展情况入手,在系统论述信用卡分期业务的基础上,结合我国安徽HS商业银行信用卡分期业务发展现状和信用卡业务发展情况,深入挖掘安徽HS商业银行在信用卡分期业务发展过程中将会面临的一系列问题,并从安徽HS商业银行信用卡业务格局出发,通过SWOT分析和五力模型分析,对发展信用卡分期业务的优势、劣势、机会、威胁和供应商及客户议价能力,将要面对的竞争威胁和替代品进入市场风险,一一做以评估和探讨,查找到安徽HS商业银行的资源和地域优势,结合我国安徽省及周边地区经济社会发展情况和国家宏观经济政策,有针对性的提出了一些优化安徽HS商业银行信用卡分期业务的应对策略和建议,以求帮助我国地方商业银行信用卡分期业务健康快速发展。更多还原

【Abstract】 Finance as the basic component of China’s economic and social,in our country’s economic and social development plays an increasingly important role,the stand or fall of the financial industry development,to some extent,affects the national economic and social development trends and directions.In recent years,the country’s increasingly attaches great importance to the coordinated development of the financial sector as a whole,a series of preferential policies to support the development of the financial industry to accelerate the benign,in finance,taxation,science and technology support and support,support the development of the financial sector.The current our country commercial bank development not balanced,the poor quality of some of the local commercial bank development,the credit card management chaos of the problem is serious,some local commercial bank development train of thought of a single,business development way appeared deviation,credit card installment business to promote the slow situation is difficult to be improved in a short time,the existence of these problems more or less affect the local development efficiency and quality of commercial Banks in China,anhui HS commercial Banks as capital strength is relatively strong emerging local commercial Banks in anhui province has good prospects for development,economic benefit,actively carry out credit card installment business since 2012,has obtained the certain result,but strong ability to face competition in the industry competitors,potential competitors and substitutes with the risk of entering the market,how to develop and use of the existing customer resources,better development of commercial bank credit card installment business promoting anhui HS and rapid development,deserves our attention and discussion,the problem of how to decipher,promoting rapid and continuous development of commercial bank credit card installment business has become more and more experts,scholars and research focus.This article will start from the local commercial bank development situation,based on the systematic exposition of credit card installment business,in combination with anhui HS in our country commercial bank credit card installment business development present situation and the credit card business development situation,dig the HS anhui commercial Banks in credit card installment business development will be faced with a series of problems,and starting from anhui HS commercial bank credit card business pattern,through the SWOT analysis and five model analysis,the development of credit card installment business will Yao Minlin strengths,weaknesses,opportunities,threats,and bargaining power suppliers and customers,will face the competitive threat and substitute for entering the market risk,do to assess and discuss one by one,anhui HS commercial Banks to find the resources and geographical advantages,combined with China’s anhui province and the surrounding region’s economic and social development and national macroeconomic policy,targeted put forward some optimization of anhui HS commercial bank credit card installment business strategy and the suggestion,in order to help our country commercial bank credit card installment business healthy and rapid development.更多还原