The Impact Of The Credit Card Consumer Credit Factors And Countermeasures

The national and international financial environments have changed much since 1990's,and major emphasis of our nation's macro-economic policies is to enlarge the inner demands .The consumption credit, which is an important method to stimulate the consumption needs, has become a big concern of society, and therefore has developed rapidly. It has made great positive influence on the economic increasing, the advancement of people's life, and the improvement of the bank's assets. However, because of the lag of the personal credit system and the unreasonable share between risks and income of the banks, the development of consumption credit was limited and looks forward to finding new impetus.Under this background, based on the working experience from the bank, the author noticed the importance of the credit card in the development of consumption credit. Therefore, in the second part of this article, on the analysis of the credit cards function, it pointed out the strategic meaning of the credit cards to the personal financial business, and stated that it can impel the formation of the profit inspiration and the risk control effects to the banks, concluded that the credit card is the most powerful implement in the development of the consumption credit. This is the logic basis of the whole article.In the third part of this article, the emphasis changed to the comparison of the development of credit card consumption loan between in our nation and in foreign .After analyzing the development of credit card consumption loan in foreign ,the author explores the actors which affect credit card consumption loan and compare them between in our country and in foreign ,shows the reason why credit card consumption loan delay is uncompleted personal credit system, uncompleted laws and regulations, deficiency of government support and so on .The fourth part of the article has an empirical analysis about quantity relation between the development of credit card consumption loan and its affected factors. There is a regression analysis whose sample data comes from Chang Sha of ICBC. So we draw a conclusion about quantity relation between the development of credit card consumption loan and its affected factors, then it put a base for development of creditcard consumption loanIn the last part, the author wants to give some suggestions to the credit card business. These include: to construct a consummate personal credit system; to build a sound jurisprudence; to make the market behavior normal; to strengthen the management of credit card business; to establish a system of credit ranking management; to reinforce the risk management; to build a better environment in the use of credit card; to carry out industrialization operation strategy, and so on.