银行卡在中国的发展问题及对策

摘    要
银行卡业务是商业银行重要的中间业务之一，是国内外银行业竞争的焦点。本文首先阐述了我国银行卡业务发展的现状，深入分析了许多中小城镇和农村还没有开展银行卡业务、银行卡用卡环境有待改善、市场营销机制不健全、运作模式缺乏活力、业务创新不足、风险管理有待加强等主要问题，并有针对性地提出了大力开发区域银行卡市场、完善用卡环境、提升服务水平、提高从业人员素质、增张持卡人防范意识、优化管理体制、健全市场营销机制、加油业务创新等对策建议，旨在为我国银行卡业务发展做出有益的探讨。

关  键  词：   银行卡业务   营销   风险  发展   功能  对策
ABSTRACT
Bank card business is a important commercial banks, one of the intermediary business, is the focus of competition in the banking sector at home and abroad. In this paper, first of all, my bank card on the status of business development, Depth analysis of a number of small and medium-sized towns and rural areas have not yet carried out the bank card business, Bank card room for improvement in the environment, Mechanism is not sound marketing, Mode of operation of a lack of vitality, Lack of business innovation, Risk management and other key issues need to be strengthened, Put forward the development of a strong regional bank card market, Sound card environment, Improve service levels, Improves the jobholders quality, Increases opens the cardholder to guard against consciousness, Optimization of management system, Mechanism of sound marketing, Business innovation, such as refueling Suggestions, for our country bankcard service development, make the beneficial discussion.

Keywords:   Bank Card Business , Marketing, Risk, Development , Function , Countermeasures

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