| 量入为出观念下的中国信用卡盈利性分析 |
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| 引用本文： | 吴佩君.量入为出观念下的中国信用卡盈利性分析[J].凯里学院学报,2012,30(4):71-73. |
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| 作者姓名： | 吴佩君 |
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| 作者单位： | 汕头职业技术学院,广东汕头,515078 |
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| 摘 要： | 近年来,中国信用卡行业发展迅猛,受传统量入为出观念的影响,中国消费者的循环授信使用意愿低,国内信用卡的利息收入不足,难以支撑盈利。目前国内大部分银行面临如何盈利的难题,本文通过信用卡业务的收入结构分析来研究中国特殊消费环境下的信用卡盈利问题,并提出突破盈利瓶颈的对策和建议。
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| 关 键 词： | 量入为出观念 信用卡 盈利性 |
An Analysis of the Profitability of China' s Credit Card under the Concept of Pay-as-you-go |
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| WU Pei-jun.An Analysis of the Profitability of China' s Credit Card under the Concept of Pay-as-you-go[J].Journal of Southeast Guizhou National Teachers College,2012,30(4):71-73. |
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| Authors: | WU Pei-jun |
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| Institution: | WU Pei-jun(Shantou Polytechnic,Shantou,Guangdong,515078,China) |
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| Abstract: | In recent years,the credit card industry is developing rapidly in China,however,under the influence of the traditional concept of pay-as-you-go,customers’ willingness of recycling credit use is low,which results in the lack of the domestic credit card interest income,it is difficult to sustain profitability.At present,most banks face a challenge of how to profit.This article makes an analysis on the income structure of credit card business to study credit card earnings problems on China’s special consumption environment and propose some recommendations and countermeasures on improving credit card profit. |
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| Keywords: | concept of pay-as-you-go credit card profitability |
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