Analysis Of Our Credit Card Points System

The thesis introduce the usage condition and the deficiency of theaccumulation scores of the credit card, therefore, researching the topic ofthe regulation on how to reward to the cards owners: on the one hand, theconsuming enthusiasm of the high-income or those have great consumingpotential can not be excited;on the other hand, many low-income holdersconsume more than they can afford, which cause to produce "cards serfs".All these phenomena bring many risks not only for the management ofthe banks but for the stability of the society. The thesis draws some newconclusions depending on the systematic analysis and demonstration onthe entrusting-agent model (drawing on a new variable to change the rulesof the accumulation scores) and further pointing out the reasonable anddefects aspects of the institution of the accumulation scores about thecredit cards. At the last part of the thesis, the writer proposes the Paretoimprovement on the accumulation scores regulations.