Abstract……………………………………………………… 2
二、银行卡业务概述…………………………………………….. 4
三、武汉银行卡市场的发展现状……………………………………. 6
（一）贷记卡步入快速发展时期…………………………………. 7
四、武汉银行卡业务发展存在问题………………………………….. 7
（一）银行卡受理环境不足…………………………………….. 7
（二）部分银行办卡手续繁琐，时间冗长………………………….. 8
（三）公众对银行卡的认识仍不深入……………………………… 8
（四）银行卡产业政策和法规存在缺陷……………………………. 9
（五）缺少差别化服务，使满意度低…………………………….. 10
（六）社会个人信用征信体系不健全…………………………….. 11
五、武汉银行卡产业发展的应对策略……………………………….. 11
（一）改善消费环境，加快特约商户的发展……………………….. 11
（三）加大银行卡的宣传力度，提高公众对银行卡的认识…………….. 12
（四）加强银行卡的立法建设，打击银行卡犯罪……………………. 13
（五）加强银行卡的管理机制以此提高服务质量……………………. 14
（六）加快建立个人信用征信系统………………………………. 14
摘 要
银行卡在现在社会中具有多重作用。随着经济水平的提高，居民购买力也快速增强。随着大众消费观念的逐渐改变以及人们生活节奏的加快，银行卡作为一种便捷的交易方式和先进的支付手段，与人们的日常消费密切相关，为人们提供方便的同时还能促进经济的发展。但在银行卡发展过程中存在许多问题和困难，本文将以武汉银行卡市场业务的发展现状为例进行分析和研究。深入分析我国银行卡市场在银行卡政策和法规体系等方面存在的问题。并且在此基础上针对我国银行卡市场管理的相关问题提出解决策略。
关键词：银行卡；金融风险；市场业务
Abstract
The bank card in the society now has multiple roles. With the increase of economic development level, the purchasing power of residents also increases quickly. As the population of the gradual change in consumer attitudes as well as people life rhythm accelerate, bank card as a convenient trading methods and advanced means of payment, and people’s daily consumption are closely related, to provide the convenience for the people and promote economic development. But in the development of bank card process there are many problems and difficulties, this paper will take Wuhan market of bank card business development status as an example for analysis and research. In-depth analysis of China’s bank card bank card market in policies and regulations system and other aspects of the existing problems. And on this basis for China’s bank card market management puts forward the solving strategies.
Key words: credit card; financial risk; market development;
