金融危机下我国信用卡产业发展的理性思考  

Rational Thinking on Credit Card Industry Development under the Context of Financial Crisis

作　　者：李辉[1] 肇英杰[2] 

机构地区：[1]西北民族大学经济学院,甘肃兰州730030 [2]西北民族大学学报编辑部,甘肃兰州730030

出　　处：《西北民族大学学报（哲学社会科学版）》2010年第2期141-145,共5页Journal of Northwest Minzu University(Philosophy and Social Sciences)

摘　　要：近年来我国信用卡产业快速发展,信用卡正在成为城乡居民日常消费、支付结算和信用借贷的重要工具。但是,在发卡方式、用卡环境及服务质量等方面还存在诸多问题,必须引起高度重视,尤其在金融危机条件下更应警惕信用卡危机。尽快建立完善的个人信用联合征信系统和风险的防范监测机制,改善用卡环境,有效防止无序竞争和盲目发卡,才能促进信用卡产业更好更快发展。In recent years, the credit card industry develops quickly and the credit card is becoming an important instrument of daily consumption, payment and settlement and credit loans of urban as well as rural residents. But there are still considerable problems on the way of issuing card, card usage environment and service quality. These problems should be given high attention and credit card crisis should be avoided under the context of financial crisis. The credit card industry can be well developed quickly by establishing consummate individual credit united information collecting system, risk prevention supervision system, optimizing credit card usage environment, preventing competition and issuing card without order.

关 键 词：金融危机 信用卡 恶意透支 

分 类 号：F83[经济管理—金融学]