我国银行卡发展状况分析

摘    要
从1985年3月，我国内地首张信用卡发行以来，我国的银行卡产业市场规模迅速增大、专业化程度逐步提高、服务水平日益提升，尤其是最近几年，银行卡产业发展更是进入了一个快速成长期。与西方发达国家相比，尚处于初级阶段的我国银行卡由于受发卡主体、受理环境和居民意识的制约，在其发展过程中仍存在着使用率低、功能品种单一、整体盈利能力低以及信用体系不完善等问题，需要政府的推动作用与银行本身的创新能力相结合，以促进我国银行卡业务顺利快速发展，从而推动我国金融业的健康稳定运行。
关键词：货币；电子货币；银行卡

 
Abstract
From March 1985, the first credit card issued in the Mainland of China, China's banking card market is rapidly growing industries, gradually the increased degree of specialization, the increasing level of service, especially in recent years, banks card industry is entering a rapid growth stage. Compared with Western developed countries,there still is some problems in China's bank card business at the initial stage such as the low utilization rate ,the single function, the overall low profitability and the issue of imperfect credit system which is the result of the main, accepted sense of the environment and residents of the constraints.That need combine the role of government with the ability of banks themselves innovation in order to promote China's bank card business smooth and rapid development, so as to promote the healthy and stable operation of China's financial sector.

Keywords：Currency; electronic money; bank cards

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