1、 I 摘要摘要 近年来，伴随着我国经济的对外开放，商业银行信用卡业务又在原有基础上 得到进一步发展，商业银行信用卡业务不断发展成为了一种重要的商业产品在一 个成熟的金融市场上，现阶段我国商业银行信用卡业务的宣传工作是一个上升趋 势，信用卡业务的深入发展有利于我国国民经济的稳定发展。但我国商业银行信 用卡业务的发展目前还一直处于起步阶段，面临着各种各样的机遇和挑战，我国 商业银行信用卡业务与发达国家相比仍然存在着很多有待解决的问题。所以当我 们在享受金融行业快速发展所带来的机遇的同时，我们还应清醒的认识到，我国 商业银行信用卡业务在很多方面还尚待完善。基于这样的背景，本文将通过对我 国商业银行信
2、用卡业务发展的现状进行分析和研究，对我国商业银行信用卡市场 中面临的不足进行分析，而且对目前面临的不足提出相关的解决方案。 关键词 商业银行；信用卡；发展现状；问题研究 II Abstract In recent years, along with the continuous opening of Chinas financial market, the credit card business of our country has made rapid development, the credit card business of commercial bank has become a
3、n important commercial product in a mature financial market, the promotion of the present stage of our country commercial bank credit card business is fast growth stage, has a very important meaning to the healthy development of credit card business to Chinas national economic development. But the d
4、evelopment of credit card business in our country at present still in the initial stage, facing various opportunities and challenges, the credit card business of our country compared with developed countries, there are still many problems to be solved. So when we enjoy in the high speed development
5、of the financial industry brings opportunities at the same time, we should also recognize that our country commercial bank credit card business in many ways still remains to be perfect. Based on this background, this paper will analyze and Research on the status of our country commercial bank credit
6、 card business development, to our country commercial bank credit card market existing problems are discussed in detail, and for related problems put forward the corresponding solution countermeasures. KeywordsKeywords Commercial bank; Credit card; Development present situation; Question research III 关于我国商业银行信用卡业务发展现状的研究 近年来,由于对外开放我国经济不断发展,我国商业银行信用卡的发行量不断 上升,消费比重也不停增大。中国参与WTO后承诺，我国的金融市场会对外开放， 所以国外银行加速了进军中国市场的步调，而越来越多的外资银行和金融机构将 信用卡作为抢占中国金融市场的工具，从而使信用卡市场炙手可热。在竞争如此 激烈的市场经济条件下,发卡银行抉择什么样的
