The Research Of Bank Card Innovation

Bank card is one kind of electronic currency which is based on financial electronic network, using commercial electric machines and all kinds of dealing cards, with electronic data stored in the bank computer system. It realizes circulating and paying function with the electronic information transferring form via computer network. It provides service transcending time and space, which can not be substituted by other financial means. Therefore, Lots of commercial banks choose bank card as breakthrough measure in financial product innovation. After China' s entry into WTO, the Bank card market will be the aim of foreign capital banks chase for the huge potential. How to quicken the march of bank card innovation and take up the leading status in fury market competition is the important problem commercial bank must research. In this thesis, with abundant information and combining the fact of Henan province nearly, through analyzing the actuality of bank card innovation, the problem existed, the market circumstance confronted and the developing trend, we search the measure in bank card innovation. We start with the developing course and meaning of bank card innovation, conclude the sorts and several seedtimes, advance the five-tier product concept and primary types of bank card innovation, which establish the foundation. Where after, we make contrast and analysis in the thought, tactic, fruit of bank card innovation the commercial banks in Henan province take, make analysis in the whole trait, and point out the problem existed. Thirdly, we indicate the market circumstance the bank card innovation confronted will be better through analysis from the macroscopic and microcosmic lay respectively, and forecast the developing trend. Finally, we lodge relevant suggestions. The structure of this thesis is arranged as followed: first part is preface, second part is the origin , development of band card and connotation of the product innovation of bank card, third part is the analysis of developing status of the product innovation of bank card, fourth part is the analysis of the market circumstance and developing trend, fifth part is suggestions in the product innovation of bank card, last part is conclusions.