A Study On Chinese Bank Card Innovation Of Commercial Bank

The commercial bank is regarded as the result of economic development, have very important status in the system of the world economy and finance. Following the global finance integrating and liberalization development tide in the 19th century, the intermediate businesses various in style of commercial bank of various countries got fast development after seven , the eighties. However, with the quickening of the international economic process of integration, the commercial bank of our country faces the unprecedented challenge . Withhold the business and demand a lower price from the public expenses each other, to the discord of charging of the bank card, malignant competition and charge tactics that have nothing in common with each other make commercial bank have all the time unable to form " join forces " in new innovation of business, make business innovation unable to link with the economic income directly. The bank card of our country came out since 1985, the main carriers as personal financial transaction, it is not merely a kind of financial product incorporating financing and financial service into an organic whole, and the important tool that the commercial bank improved the asset-liability ratio , improved profit ability. So, are elected the business of the bank card as the research object herein and probed into the reason why the business innovation course of the bank card is obstructed, offering the countermeasure with general reference value for business innovation in the middle of our country has important theory meaning and practice value.Herein research thinking draw lessons from latest finance innovative theory of Molyneux & Shamroukh (1999) for to innovate , study, adopt and spread with industry financial innovation that economics combine finance representative The theory, regard the bank card business of commercial bank as an intact innovative course of finance from producing, adopting to spreading. And the research approach to use game theory has supplemented the innovative course of the business of the bank card, explain the reason why the business innovation course of the bank card is obstructed in terms of microcosmic, and the pointed countermeasure of providing. It is in terms of whole banking to the research of spreading the course of the business of the bank card , analysis of macroscopic how business propagate at market bank card and market issue that adopt, and has looked forward to the development trend of the business of the bank card.