【作者】 张彦军；

【导师】 卫海英； 李银珠；

【作者基本信息】 暨南大学 ， 工商管理， 2003， 硕士

【摘要】 随着银行业务的发展，中间业务将成为商业银行收入的主要来源。银行卡业务作为重要的一种中间业务，将成为商业银行业务竞争的焦点。面对加入WTO后外资银行的严峻挑战，国内商业银行必须审时度势，积极应对。 本文共分四个部分。 第一部分主要介绍发展银行卡业务对我国商业银行的意义，阐明发展银行卡业务的现实紧迫性以及本文研究的目的。 第二部分介绍银行卡的产生、功能、业务运作流程，我国银行卡业务的历史发展以及我国银行卡业务在市场规模、收益水平、发行规划、服务质量、风险防范方面存在的主要问题。 第三部分对我国银行卡业务的经营环境进行了分析。从法律环境、政策环境、监管环境、信用环境、消费观念等方面分析我国银行卡业务面临的外部环境，也从内部管理体制、经营理念、科技开发和信息管理能力、从业人员素质等角度对银行卡经营的内部环境进行了分析。指出我国商业银行要充分利用和切实把握加入WTO后面临的机遇，有效应对新的挑战。 第四部分针对我国银行卡业务的现状，提出我国银行卡业务发展的制度安排及策略选择，指出要加强制度建设，完善外部环境；商业银行自身要走集约化经营之路，在建立个人征信制度、加强风险控制的同时，采用灵活的市场策略，促进银行卡业务的全面提升。更多还原

【Abstract】 With the development of bank business, mediate-operation will become one of the main income resource of commercial banks. As an important mediate-operation, bankcard business will become the focus of competition of commercial banks. Facing the serious challenge of foreign banks, native commercial banks should deal with it seriously.The thesis includes four parts:Part one: It introduces the importance of bankcard to native commercial banks, gives the earthly pressure of developing bankcard business, and the purpose of the research.Part two: It introduces the emergence, function, operation process of bankcard, It also points out main problems existed in market scale, lucre condition, issuance plan, service quality and risk control.Part three: It analyses the operation environment of native bankcard business. Its external environment includes law, policy, superintendent, credit, consumption idea and other aspects. The internal aspects include management system, operation method, technology development, information management ability and employee capability. It shows the opportunity and threat after entering WTO, and suggests that native commercial banks should grasp opportunity and face challenge.Part four: It brings forward the system construction and strategy establishment. It indicates that our country should strengthen system construction and improve external environment and society credit basis of bankcard business, and it also points out that commercial banks should adopt intensified operation, construct personal credit system and strengthen risk control and adopt flexible marketing strategy to improve bankcard business roundly.更多还原