我国银行卡市场发展的若干问题及对策

银行卡作为商业银行的一种复合型金融工具在现代银行竞争中的作用日益显著 ,我国拥有着巨大的并且快速发展的银行卡市场 ,开发和完善我国的银行卡市场可以作为商业银行迎接加入 WTO挑战和与国际同行竞争的突破口。本文着重论述我国银行卡市场的现状和存在的问题 ,并据此提出整合经营、采用积分制等具有针对性的建议

On Problems Encountered And Measures Taken in Development of Bankcards

As a comprehensive vehicle among business banks, bankcards play a more effective role in the competition in modern banks today. There exists in China a large and rapidly expanding market for bankcards, whose development and perfection serves as a challenge for business banks in the post-WHO period as well as a breakthrough into the international market of the trade. In this paper the author, on the basis of an analysis of the situation in China, suggests a system of score taking and overall administration to solve the problems encountered.