The US And South Korean Credit Card Development History Inspires To China

The related credit card definition, has generalized and the narrow sense the division narrow sense credit card is financial organ and so on bank or monopolizes the company one kind of credit certificate which provides to the capital letter condition good public figure. The cardholder to when accepts the card the merchant expense, may depending on the card settle accounts, but differently pays the cash, also may ATM or the bank counter gains the cash service with the time cardholder.USA is the credit card initiates the country , at least has the experience below from the American credit card profession prosperity development which is worth us profiting from. One, establishes the perfect credit card correlation the legal framework and strictly to implement. Two is the financial organ or sends the card organization existence independent risk management system. Three, is in a healthycredit society, forms the mature credit culture. Four is the credit card organization independent management, the independent calculation. South Korean credit card market experience: One is cannot only see the credit card service latent high income has neglected its high risk nature. Two, sends while the credit card which the card quantity unceasingly increases, sends the card organization certainly to have to strengthen the risk management. Three is the credit card profession development must emphatically pay attention because the economical cycle brings systematic risk. Four is the government has developed the formula must suitably act "escorts the escort" the role in the credit card profession. Five is the society personally drafts the letter system to develop for a long time to the credit card industry said absolutely is not dispensable, but is must.Chinese credit card market prospects for development: One, unification management. Two, speeds up the financial electron construction, unified technology standard. Three, speeds up the special merchant the development. Four, strengthens the credit card knowledge propaganda popularization. Five, the simplification goes through the card formalities. Six, guarantees the user the fund safety. Seven, reforms the credit card the marketing system. The strategy 1) is clear about the market marketing the strategy 2) to expand the advertisements propaganda 3) to establish the high quality the marketing troop.