我国银行卡市场运营模式创新研究

根据中国银行卡市场发展的主要指标,参照发达国家银行卡发展情况,并结合我国中央银行银行卡发展规划,对市场运营状况进行了比较分析,指出了当前我国银行卡市场发展存在的差距,分析了市场运营中市场主体单一、市场化程度低、利益驱动不足等存在的问题及原因。对银行卡市场运营模式,从建立多元化经营模式、市场化的分配机制、公司化经营、国际间同业合作、政府支持途径等方面进行了探讨。

On innovation of Chinese business model of BankCard

On the basis of the main indicators of the development of the Chinese BankCard market, this article compares and analyzes the business status of Bank Card in the light of the goal of Chinese Central Bank. It points out that there are limitations in the Chinese BankCard market such as the simplicity and the low-level of the market, the deficiency of the profits, and touches upon the establishment of the multi-pole model, the distribution of market, the management of companies, the international cooperation, the supports of government and so on.