【作者】 林楠；

【导师】 吴晓晖；

【作者基本信息】 厦门大学 ， 工商管理， 2013， 硕士

【摘要】 银行卡业务作为渠道业务的一种,是商业银行个人金融业务最主要的载体。长期以来,由于存贷利差是商业银行最主要的利润来源,资产负债业务因此占据着最重要的位置。相反,银行卡业务特别是银行卡收单业务由于本身所带来的中间业务收入相对较少,且在设备、维护和人员等方面需要投入大量的资源,因此常常处于被边缘化的境地。但是近三年来,随着市场环境的变化和商业银行个人金融业务的快速发展,小微企业主和个体工商户由于极具成长性成为各家商业银行竞相追逐的目标,银行卡收单业务作为能够快速切入目标客户群的工具逐渐得到重视,各家商业银行纷纷推出相应的产品,如民生银行的“商贷通”、招商银行的“生意通”和兴业银行的“兴业通”等等。什么才是真正“通”向目标客户的道路?这条路应该怎么走?本文研究的目的在于通过分析银行卡收单业务的盈利模式和运营模式,理顺各市场主体之间的关系,为商业银行的银行卡收单业务提供规划和发展的思路。除此之外,本文还试图探索通过银行卡收单业务带动其它零售业务发展的可行路径,从而达到银行为客户提供全面贴身的个人金融服务,提高客户忠诚度的经营目标。本文包括五个部分。第一部分简要介绍国内银行卡产业及银行卡收单业务的发展情况,提出了本文需要研究的问题及解决思路,并对全文使用的研究方法及逻辑框架进行说明。第二部分引入支付、银行卡和银行卡收单业务的相关概念,介绍国内外银行卡收单业务发展历程和现状,并对市场竞争中各参与方进行分析。第三部分介绍盈利模式的内涵及分析方法,分析影响第三方支付机构和商业银行银行卡收单业务盈利模式的因素,阐述银行卡收单业务的直接盈利模式和间接盈利模式,并建立单商户利润核算模型。第四部分分析商业银行开展银行卡收单业务的优劣势、面临的机会和威胁,提出商业银行可以选择的两种业务运营模式,说明商业银行在业务开展过程中需要注意的重要事项,最后提出未来的业务发展思路。第五部分总结前文研究的成果。更多还原

【Abstract】 1985, First bank card in China was issued by Bank of China in Zhuhai, Guangdong Province. In the past30years, China Bank Card Industry experiences a rapid expansion and development. Bank card has replaced deposit book to be the most staple tool for personal finance service. But when it comes to the profitability, interest spread always goes first in commercial banking;bank card and its acceptance business are usually not attached importance. However, with the rise of enterprises and the development of the consumer market, they come into view more and more in recent years. Bankers use them to get close to consumers and minor entrepreneurs with custom-made products such as CMB all-in-one business card and CIB business express.How to reach target customers effectively and quickly? This paper will answer the question with analyzing the profit model and operation mode of bank card acceptance business. Moreover, the paper also discusses how to develop retail banking according tominor entrepreneurs’ management.The paper is composed of five components. It firstly presents the current situation of China’s bank card industry and bank card acceptance business, brings forth the main questions that will be discussed afterwards and show the logical structure of the paper. Secondly it introduces the concepts of payment, bank card and its acceptance business, describes the development history of China’s bank card acceptance business and scans the competitors on the ground. Then with introducing the concept of profit model, the paper tries to find out the factors that influence the profit model and explicates two patterns from which the bank card acceptance business earn profits. Next using the SWOT analytical method, it analyzes strengths and weaknesses of the bank, opportunities and treats that the bank would confront and brings forward some suggestions for the bank to manage the business. Last it summarizes the outcomes of the former study.更多还原