Comparative Study On The Development Of Bank Card In China

The bank card, as the20th century’s most innovative financial services products,combined with modern information technology and the traditional financial business, becomes an indispensable tool in daily pay and plays a promoting social consumption and the important role of active financial credit activities. The development of bank card industry is significant to the healthy development of national economy and social progress and to speed up the economic growth mode transformation and deepen the financial reform. On the basis of the research on China’s bank card industry development,learning from the experience in the development of the international bank card industry and adopting the theory of industrial economics, institutional economics and so on, we can not only effectively bring into play the function of theory to practice guidance, but also can correctly understand and grasp the law of bank card industry development bank card and put forward the industry development road with Chinese characteristics.The first part of the article mainly introduces the theory meaning and realistic meaning of the development of bank card industry, which points out that the development of bank cards can promote the innovation of our country finance directly, drive the rapid growth of the social consumption, accelerate the increasing domestic consumption demand and has important significance to the promotion of economic development.And it studies the bank card industry related literature at home and abroad.Then the second chapter analyzes the concept of bank card and bank card industry, the mechanism and the operation of the bank card industry and bank card value chain, combined with the industry value chain of the players and their relationship. And the third part reviews the development of bank card industry at home and abroad and the present situation. Combined with the characteristics of foreign bank card industry development, it points out that the domestic bank card industry development level and the gap between them. The fourth part makes a comprehensive comparison on the index of bank card industry, by choosing the key indicators of bank card industry development firstly;then analyses the differences in domestic and international bank card industry value chain through making SWOT analysis; next analyses the value chain, the pricing mechanism and the core competitiveness and financial ecological environment at home and abroad,by using the comparison analytic method; finally it studies the innovation payment business development in the domestic, comparing with foreign payment business innovation by the integrated use of qualitative analysis and quantitative analysis method. The fifth part analyzes the problems of bank card industry in China, it puts forward the Chinese bankcard using environment needs further improvement, bank card business development is not in balance, the industrial income level needs to improve, the financial ecological environment needs to improve, and the innovation business needs to be added. In the end, aiming at the existing problems in the development of bank card at the present stage in China, the sixth part puts forward the countermeasures and suggestions of accelerating the development of bank card industry in China.