本文選題：信用卡　切入點(diǎn)：成本收益　出處：《天津大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái)，隨著我國(guó)經(jīng)濟(jì)的不斷發(fā)展和改革開(kāi)放思想的不斷深入，信用卡行業(yè)取得了突飛猛進(jìn)的發(fā)展，同時(shí)信用卡也逐漸改變著居民的消費(fèi)習(xí)慣，成為我國(guó)居民最常用的消費(fèi)工具之一。有關(guān)數(shù)據(jù)顯示，2011年全年，信用卡刷卡消費(fèi)達(dá)4.1萬(wàn)億元人民幣，在全社會(huì)消費(fèi)品零售額中的比重高達(dá)22.6%，刷卡消費(fèi)所創(chuàng)造的巨大的營(yíng)業(yè)利潤(rùn)，使信用卡成為商業(yè)銀行最為盈利的零售業(yè)務(wù)之一，也成為推動(dòng)我國(guó)社會(huì)向消費(fèi)型社會(huì)轉(zhuǎn)變的重要推動(dòng)力量。 目前我國(guó)信用卡業(yè)務(wù)還處于初級(jí)發(fā)展階段，國(guó)外成熟的發(fā)展經(jīng)驗(yàn)和模式并不完全適用于我國(guó)現(xiàn)行的發(fā)展環(huán)境。早年期間的“跑馬圈地”運(yùn)動(dòng)，一味追求發(fā)卡量，并沒(méi)有給商業(yè)帶來(lái)預(yù)期的盈利空間，規(guī)模效應(yīng)沒(méi)有發(fā)揮作用。因此，在國(guó)外最為掙錢(qián)的銀行業(yè)務(wù)在中國(guó)卻遭受冷門(mén)，這迫使我們仔細(xì)研究我國(guó)信用卡發(fā)展的市場(chǎng)環(huán)境，探索出一套符合我國(guó)國(guó)情的信用卡發(fā)展模式。 以此為背景，本文在信用卡自身特性的基礎(chǔ)上，，研究其盈利理論，同時(shí)結(jié)合我國(guó)實(shí)際，以成本收益函數(shù)為理論依據(jù)，構(gòu)建一個(gè)盈利函數(shù)，并且進(jìn)行實(shí)證研究。為了更加具體全面地了解信用卡盈利狀況，探索商業(yè)銀行的經(jīng)營(yíng)模式，本文又對(duì)信用卡的貢獻(xiàn)度進(jìn)行實(shí)證研究。最后，結(jié)合實(shí)證結(jié)果給出改善我國(guó)信用卡現(xiàn)狀，提高信用卡收入對(duì)商業(yè)銀行貢獻(xiàn)度的政策建議。
[Abstract]:In recent years, with the continuous development of our economy and the deepening of reform and opening up, the credit card industry has made rapid progress, while the credit card is gradually changing the consumption habits of residents. It has become one of the most commonly used consumption tools for Chinese residents. Relevant data show that in 2011, credit card swiping and credit card consumption amounted to four trillion ninety-nine billion nine hundred and ninety-nine million nine hundred and ninety-nine thousand and nine hundred and ninety-nine yuan, accounting for as much as 22.6 percent of the retail sales of consumer goods in the whole society. The huge operating profit created by credit card consumption, Credit card has become one of the most profitable retail business of commercial banks, and has also become an important driving force to promote the transformation of our society to consumer society. At present, the credit card business in our country is still in the primary stage of development, and foreign mature development experiences and models are not fully applicable to the current development environment of our country. It did not bring the expected profit space to the business, and the scale effect did not work. Therefore, the banking business, which is the most profitable in foreign countries, is suffering from a cold shoulder in China, which forces us to study carefully the market environment for credit card development in our country. Explore a set of credit card development model in line with the situation of our country. Based on the characteristics of credit card, this paper studies the profit theory of credit card and constructs a profit function on the basis of cost-benefit function. And carries on the empirical research. In order to understand the credit card profit situation more concretely and comprehensively, to explore the commercial bank management pattern, this article also carries on the empirical research to the credit card contribution degree. Finally, Based on the empirical results, some policy suggestions are given to improve the credit card status in China and to improve the contribution of credit card revenue to commercial banks.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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