银行卡服务是银行卡提供给消费者和商户的服务，这种服务是由发卡银行和收单银行在银行卡组织提供的平台上共同向消费者和商户提供的。
银行卡最早起源于美国，经历上百年的发展，银行卡已经成为了现代生活的一部分。我国的银行卡产业尚处于初级阶段，产业竞争力比较弱。
本文首先阐述了我国银行卡业的发展历程及现状，中国银行卡业务从起步到目前确立市场化运营机制大致经历了五个阶段，随着中国经济的持续发展和对外开放的不断深化，中国银行卡的发展备受瞩目。现阶段我国的银行卡业仍处于发展的初级阶段，当前我国银行卡业的法律规章制度相对落后，无法对银行卡市场出现的新问题进行规范，银行等部门应该适应市场要求积极推行新的法规制度；农村等经济欠发达地区银行卡市场建设落后，商业银行等金融机构应推出特色的银行卡等金融服务，发展农村地区的银行卡业；中国银联应充分发挥自身优势，建立具有国际影响力与竞争力的银行卡组织，并在我国银行卡自主品牌建设方面做出最大努力。我国银行卡业的从业人员应总结欧美等发达国家银行卡业发展的经验，为加快我国银行卡业的发展献计献策。
关键词：银行卡产业，信用体系，创新
ABSTRACT
Banking card industry is that the bank card provides services to consumers and businesses,such services are provided by card-issuing banks and acquiring banks in a platform provided by the banking card organizations to consumers and businesses.Bank card originated in the United States.Experienced a century of development, banking cards has become a part of modern life. China's banking card industry is still in its infancy, and industrial competitiveness is relatively small.
This paper describes the development of China's banking card industry history and the status quo. From the start to the current market-oriented operation mechanism established largely,China’s banking card bussiness have gone through five stages.With China’s sustained economic development and the deeping opening-up, the china’s banking card industry deserves a high-profile development.At the present stage of China’s banking insustry is still in early stages of development,the current China’s banking card industry laws and regulations are relatively backward,and unable to regulate new issues of the bank card market.The bank and other departments should implement new laws and regulations actively to adapt to the market;the banking card market construction is backward in rural areas and other economically less developed areas,commercial banks and other financial institutions should launch financial services with characteristics to develop the rural areas’ banking card industry;China Union Pay should give full play to their advantages to establish an international influenced and competitive banking card organization,and make the greatest efforts to build China’s own bankcard brand.The practitioners of China’s banking card industry should draw on the experience of developed countries’ banking card industry to speed up the development of China’s banking card industry.
Keywords: Banking card industry,Credit system,innovate
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