ÎÒ¹úÒøÐÐÐÅÓÿ¨ÒµÎñ·¢Õ¹ÏÖ×´¡¢´æÔÚÎÊÌâ¼°¶Ô²ß_¹ú¼ÊóÒ×ÂÛÎÄ
·¢²¼Ê±¼ä£º
2015-01-10
À´Ô´£º
ÈË´ó¾¼ÃÂÛ̳
¹ú¼ÊóÒ×ÂÛÎÄ·¶ÎÄ
Ŀ¼
µÚÒ»Õ µ¼ÂÛ1
µÚÒ»½Ú Ñ¡Ìâ±³¾°¼°ÒâÒå1
µÚ¶þ½Ú Ñо¿Ä¿±êºÍÄâ½â¾öµÄ¹Ø¼üÎÊÌâ2
µÚÈý½Ú Ñо¿¼¼Êõ·Ïß2
µÚËÄ½Ú Ñо¿Ë¼Â·ÓëÕ½ڰ²ÅÅ3
µÚ¶þÕ ÎÄÏ××ÛÊö4
µÚÒ»½Ú ¹úÄÚÏà¹ØÑо¿ÎÄÏ××ÛÊö4
µÚ¶þ½Ú ¹úÍâÏà¹ØÑо¿ÎÄÏ××ÛÊö5
µÚÈý½Ú С½á6
µÚÈýÕ ÐÅÓÿ¨·¢Õ¹Àú³Ì»Ø¹Ë7
µÚÒ»½Ú ÐÅÓÿ¨²úÉúÔÒò¼°±³¾°7
µÚ¶þ½Ú ¹úÍâÐÅÓÿ¨·¢Õ¹Ê·7
µÚÈý½Ú ÖйúÐÅÓÿ¨·¢Õ¹Ê·8
µÚËÄÕ ÖйúÉÌÒµÒøÐÐÐÅÓÿ¨Ä¿Ç°·¢Õ¹ÏÖ×´¿¼²ì9
µÚÒ»½Ú ÖйúÉÌÒµÒøÐÐÐÅÓÿ¨·¢Õ¹¸Å¿ö£¨×ÜÁ¿¡¢·ÖÀࣩ9
µÚ¶þ½Ú ÖйúÐÅÓÿ¨µÄÏû·ÑȺÌåÓë³ÖÓнṹ11
µÚÈý½Ú ÖйúÐÅÓÿ¨µÄ·¢¿¨ÌØÉ«11
µÚÎåÕ ÐÅÓÿ¨·¢Õ¹µÄÓ°ÏìÒòËØÑо¿14
µÚÒ»½Ú ¾¼Ã·¢Õ¹ÓëÕþ²ßÃæÏòµ¼14
µÚ¶þ½Ú Êг¡¹ÜÀíÌåÖƺͳɱ¾14
µÚÈý½Ú ÉÌÒµÒøÐеÄÕ½ÂÔ15
µÚÁùÕ ÖйúÐÅÓÿ¨·¢Õ¹µÄ·çÏÕʶ±ðÓë¿Ì»16
µÚÆßÕ ÐÅÓÿ¨µÄ·þÎñÓëÓªÏú19
µÚÒ»½Ú ·þÎñΪÎÞÐξºÕùÁ¦19
µÚ¶þ½Ú ÓªÏú´Ù½øÊг¡¿ªÍØ20
µÚ°ËÕ °¸Àý·ÖÎö£ºÖйúÅ©ÒµÒøÐÐij·ÖÐÐ2009ÄêÐÅÓÿ¨ÓªÔË·ÖÎö21
µÚ¾ÅÕ ÖйúÉÌÒµÒøÐÐÐÅÓÿ¨·¢Õ¹´æÔڵĹؼüÎÊÌâ¼°¶Ô²ß23
µÚÒ»½Ú ÐÅÓÿ¨Ó¯Àûƽºâµã23
µÚ¶þ½Ú ÐÅÓÿ¨·çÏÕ·À·¶Óë¼à¿Ø24
µÚÈý½Ú ÐÅÓÿ¨Êг¡¿ªÍØ25
µÚʮՠ½áÂÛ27
²Î¿¼ÎÄÏ×28
Ö ¡¡Ð»30
Õª Òª
ÐÅÓÿ¨ÒµÎñÊÇÒ»¸öÌØÊâµÄÐÐÒµ£¬×÷ΪһÖÖ·ÇÏÖ½ð½»Ò׵ĸ¶¿î·½Ê½£¬¼ÈÊǼòµ¥µÄÐÅ´û·½Ê½£¬Ò²ÊÇδÀ´½áËã¡¢Ïû·ÑµÄ·¢Õ¹·½Ïò¡£
½ðÈÚΣ»úµÄ±¬·¢ºÍÃÀ¹úÐÅÓÿ¨Î£»úµÄÏÔÏÖ£¬½«ÐÅÓÿ¨ÒµÎñµÄ·çÏÕÎÊÌâ°ÚÉÏÁĘ̈Ãæ¡£¶øÎÒ¹úÕý´¦ÔÚÐÅÓÿ¨¿ìËÙ·¢Õ¹½×¶Î£¬Ïà¹ØÎÊÌâºÍì¶ÜÒ²Ô½À´Ô½Í»³ö£¬¼±Ðè½â¾ö¡£Ä¿Ç°¹ØÓÚÐÅÓÿ¨ÎÊÌâµÄÑо¿Ö÷Òª¼¯ÖÐÔÚ¶ÔÐÅÓÿ¨µÄÑо¿£¬¶ÔÒøÐÐÐÅÓÿ¨ÒµÎñµÄ·¢Õ¹Ñо¿½ÏÉÙ¡£±¾ÎĽ«´ÓÎÒ¹úÒøÐÐÐÅÓÿ¨ÒµÎñ·¢Õ¹ÏÖ×´ÈëÊÖ£¬¶ÔÒøÐÐÐÅÓÿ¨ÒµÎñ´æÔÚÏà¹ØÎÊÌâ½øÐÐ̽ÌÖ£¬¶ÔÎÊÌâµÄ¾ßÌå±íÏÖ¡¢Ïà¹ØÓ°Ïì½øÐвûÊö£¬²¢½áºÏ°¸Àý½øÐзÖÎö˵Ã÷¡£
±¾ÎÄͨ¹ý·ÖÎöÖ÷Òª´ÓÒÔÏÂÈý·½ÃæÈëÊÖ£ºÒ»¡¢·¢¿¨Á¿ÓëÒøÐÐÓ¯Àû¡£ÂÛÖ¤·¢¿¨Á¿ºÍÓ¯ÀûÖ®¼äµÄ¹Øϵ£¬¶ÔÀûÈóÖеľßÌå×é³É²¿·Ö½øÐÐ̽ÌÖ¡£¶þ¡¢ÐÅÓÿ¨·çÏÕ¡£´Ó·çÏÕÒòËØÈëÊÖ½øÐÐDZÔÚ·çÏÕ·ÖÎö£¬²¢Ìá³ö¶Ô²ß¡£Èý¡¢ÐÅÓÿ¨·þÎñÓëÓªÏú¡£ÔËÓÃ4P¡¢4C¡¢4RÀíÂÛ£¬Ï¸»¯ÐÅÓÿ¨·þÎñ¼°ÓªÏúµÄ¾ßÌå²Ù×÷ÐÐΪ¡£Í¨¹ýÑо¿½øÒ»²½ÆÊÎöÐÅÓÿ¨Êг¡£¬Ì½ÌÖÐÅÓÿ¨Ïà¹Ø·çÏÕÒÔ¼°ÔõÑù²ÉÈ¡´ëÊ©£¬ÐÅÓÿ¨Ó¦²ÉÈ¡ÔõÑùµÄ·þÎñºÍÓªÏú£¬²¢·¢»Ó»ý¼«×÷Óá£
¹Ø¼ü´Ê£ºÐÅÓÿ¨¡¢·çÏÕ¡¢Ó¯Àû¡¢ÓªÏú¡¢Æ½ºâ
ABSTRACT
Credit card business as a non-cash transaction payment method is a special industry. It is not only a simple credit trust, but a settlement and consumption method towards the future.
Credit card risk is emerged in the Global Financial Crisis (GFC) and the U.S. credit card crisis. Under a rapid development of credit card business in China, related problems and contradictions are highlighted. Solutions are needed for the problem and the whole business. At the moment, the researches on credit card problems are mainly focused on credit card itself, rather than the development of banks¡¯ credit card business. With a statement of current development status of Chinese banks¡¯ credit card business, this article will discuss the related problems. And the concrete manifestation and relevant impacts will be stressed. Furthermore, a bank¡¯s real case is introduced in the research.
This article stresses on the following three factors in the analysis progress: 1) the volume of credit card issuers and banks¡¯ profits. The correlation between the volume of credit card issuers and banks¡¯ profits will be stated. Additionally, this article will discuss the specific components in the profits; 2) credit card risk. In this part, by the study of the risk factors, an analysis of the potential risk will be introduced; 3) credit card services and marketing. According to the 4P, 4C, 4R Theory, we will specify the operation in the credit card services and marketing. Trough further researches on the credit card market, this article will discuss the relevant risk and risk management solutions, meanwhile, explore what kind of services and marketing methods credit card business should adopt as to bring a positive effect to the business.
KEYWORDS£ºcredit card, risk, profit, marketing, balance