The Study Of The Status Of Bank Card Business And The Development Strategy In China

The bankcard business has great potentialities in our country. But contrast to the foreign banks, there still exist marked differences in management and operating mode. To catch up with foreign banks and get more our own business, firstly, the article analyze the status and disadvantage of native bank card business by compare native bank card business with foreign bank card business by analysis system in advantage, disadvantage, opportunity and threat. Then, based on work experience and the professional research of the native craft brother, the article raises a series of countermeasures, such as establishing new scientific development concept and risk management concept, accelerating intensive and enterprise management reform, setting up the new order of federal and competitive, enhancing the consumption credit function and building new technological development approaches. This article inaugurate a new field in combination of enterprise management and intensification and handling card in whole bank, unite emphasis development and combined development, market orientation of credit card and debit card, the study of exact point of income and risk rate and the card business for line of duty efficiently. It makes some practical significance on our native bankcard business's reform and development, and even improved its capacity of competition in the world.