Credit Card For The Impact Of Monetary Policy In China And Its Countermeasures

Since the 1970s, electronic communication technology and computer technology to economic integration of production, circulation and consumption in all areas of the revolutionary changes occur. Especially with the Internet as a representative of the rapid popularization of Internet technology, human society gradually to the information society. Due to the financial information to other industries are beyond the special demand, therefore, in a sense, in the age of Internet economy, modern communication technology and computer technology, thus fundamentally changing the financial industry in processing, customer service, management decision-making and management development technology environment. These revolutionary reforms undoubtedly must rely on monetary and means of payment of the corresponding electronically. The emergence and development of electronic currency of the 20th century is the most compelling pay field, it is and will be fundamentally change people’s consumption habits, change the bank operations. Credit CARDS as the economy and the development of electronic money, is widely used. Because in reducing the transaction cost in the huge advantage, credit as electronic currency to replace traditional inflation has become an inevitable trend.The rapid development of credit card of bank of commercial Banks, and puts forward some traditional business challenges. From the perspective of the central bank, credit as electronic currency, and use, to release of monetary policy, the function, the status and role will produce profound influence, But just how the commercial Banks, credit card, credit control in every link of wind, can impact on currency supply became in the process of the development of commercial Banks to face a problem.Through the introduction, this paper expounds the background and significance of this writing, and the research achievements of electronic money, money, and expounds the electronic currency and credit CARDS, development situation and relevant concepts, from the macroscopic Angle on currency supply and demand and currency credit policy, and the effectiveness of monetary policy of the monetary authorities proposed powerful challenge. At the same time, from the developed countries and the developing process card through the change of monetary policy, analyses the current stage and credit, and the possible problems from developed countries to summarize experience, through financial supervision and credit CARDS, and proposes a generalization of argument in credit card business development and the central bank’s monetary policy Suggestions.