Research On The Operation And Development Of Native Bankcard Business

With the development of bank business, mediate-operation will become one of the main income resource of commercial banks. As an important mediate-operation, bankcard business will become the focus of competition of commercial banks. Facing the serious challenge of foreign banks, native commercial banks should deal with it seriously.The thesis includes four parts:Part one: It introduces the importance of bankcard to native commercial banks, gives the earthly pressure of developing bankcard business, and the purpose of the research.Part two: It introduces the emergence, function, operation process of bankcard, It also points out main problems existed in market scale, lucre condition, issuance plan, service quality and risk control.Part three: It analyses the operation environment of native bankcard business. Its external environment includes law, policy, superintendent, credit, consumption idea and other aspects. The internal aspects include management system, operation method, technology development, information management ability and employee capability. It shows the opportunity and threat after entering WTO, and suggests that native commercial banks should grasp opportunity and face challenge.Part four: It brings forward the system construction and strategy establishment. It indicates that our country should strengthen system construction and improve external environment and society credit basis of bankcard business, and it also points out that commercial banks should adopt intensified operation, construct personal credit system and strengthen risk control and adopt flexible marketing strategy to improve bankcard business roundly.