银行卡产品创新研究
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摘要
银行卡是一种以金融电子化网络为基础，以商用电子机具和各类交易卡为媒介，以电子数据存储在银行计算机系统中，并通过计算机网络以电子信息传递形式，实现流通和支付功能的电子货币。它提供超越时间和空间的服务，是传统金融手段无法替代的。故此，许多商业银行都选择银行卡作为金融产品创新突破点。入世后，具有巨大发展潜力的银行卡市场将成为外资银行竞相追逐的目标，如何加快银行卡产品创新步伐，在激烈的市场竞争中占据主导地位，是国有商业银行必须认真研究的重要课题。本文密切结合河南省实际情况，在占据大量现实资料的基础上，采取理论阐述与图表、数据对比相结合的分析方法，通过对商业银行银行卡产品创新发展状况、银行卡产品创新存在问题、银行卡产品创新面临市场环境和发展趋势进行系统分析，寻找商业银行银行卡产品创新发展策略。本文从银行卡产品发展历程和产品创新内涵切入，首先系统归纳了银行卡的分类和几个发展阶段，提出银行卡产品的五个层次概念和主要创新类型，为全篇提供研究的条件和基础。之后，对河南省各商业银行银行卡产品创新理念、创新战略和创新成果进行对比，对各商业银行银行卡产品整体特点和成效进行分析，并指出河南省商业银行在银行卡产品创新中存在问题。第三，通过宏观、微观两个层面的剖析，河南省商业银行银行卡产品创新面临的市场环境将更加完善。采取SWOT分析方法对入世后中外商业银行在银行卡产品创新竞争形势进行分析，中外商业银行在银行卡产品创新各有优劣势。银行卡产品创新发展趋势进行预测。即银行卡产品创新呈现产业化、联合化、品牌化发展方向，银行卡产品创新与国际市场接轨加速的特点和信息时代银行卡产品创新呈现出新特点。在文章的最后一部分，提出银行卡产品创新发展策略建议。
本文的结构安排如下：第一部分为导论，第二部分是银行卡产品发展历程和产品创新内涵，第三部分是河南省商业银行银行卡产品创新的发展状况分析，第四部分是河南省商业银行银行卡产品创新面临市场环境和发展趋势分析，第五部分是银行卡产品创新发展策略建议。第六部分是结论。
Bank card is one kind of electronic currency which is based on financial electronic network, using commercial electric machines and all kinds of dealing cards, with electronic data stored in the bank computer system. It realizes circulating and paying function with the electronic information transferring form via computer network. It provides service transcending time and space, which can not be substituted by other financial means. Therefore, Lots of commercial banks choose bank card as breakthrough measure in financial product innovation. After China' s entry into WTO, the Bank card market will be the aim of foreign capital banks chase for the huge potential. How to quicken the march of bank card innovation and take up the leading status in fury market competition is the important problem commercial bank must research. In this thesis, with abundant information and combining the fact of Henan province nearly, through analyzing the actuality of bank card innovation, the problem existed, the market circumstance confronted and the developing trend, we search the measure in bank card innovation. We start with the developing course and meaning of bank card innovation, conclude the sorts and several seedtimes, advance the five-tier product concept and primary types of bank card innovation, which establish the foundation. Where after, we make contrast and analysis in the thought, tactic, fruit of bank card innovation the commercial banks in Henan province take, make analysis in the whole trait, and point out the problem existed. Thirdly, we indicate the market circumstance the bank card innovation confronted will be better through analysis from the macroscopic and microcosmic lay respectively, and forecast the developing trend. Finally, we lodge relevant suggestions. The structure of this thesis is arranged as followed: first part is preface, second part is the origin , development of band card and connotation of the product innovation of bank card, third part is the analysis of developing status of the product innovation of bank card, fourth part is the analysis of the market circumstance and developing trend, fifth part is suggestions in the product innovation of bank card, last part is conclusions.
本文的结构安排如下：第一部分为导论，第二部分是银行卡产品发展历程和产品创新内涵，第三部分是河南省商业银行银行卡产品创新的发展状况分析，第四部分是河南省商业银行银行卡产品创新面临市场环境和发展趋势分析，第五部分是银行卡产品创新发展策略建议。第六部分是结论。
Bank card is one kind of electronic currency which is based on financial electronic network, using commercial electric machines and all kinds of dealing cards, with electronic data stored in the bank computer system. It realizes circulating and paying function with the electronic information transferring form via computer network. It provides service transcending time and space, which can not be substituted by other financial means. Therefore, Lots of commercial banks choose bank card as breakthrough measure in financial product innovation. After China' s entry into WTO, the Bank card market will be the aim of foreign capital banks chase for the huge potential. How to quicken the march of bank card innovation and take up the leading status in fury market competition is the important problem commercial bank must research. In this thesis, with abundant information and combining the fact of Henan province nearly, through analyzing the actuality of bank card innovation, the problem existed, the market circumstance confronted and the developing trend, we search the measure in bank card innovation. We start with the developing course and meaning of bank card innovation, conclude the sorts and several seedtimes, advance the five-tier product concept and primary types of bank card innovation, which establish the foundation. Where after, we make contrast and analysis in the thought, tactic, fruit of bank card innovation the commercial banks in Henan province take, make analysis in the whole trait, and point out the problem existed. Thirdly, we indicate the market circumstance the bank card innovation confronted will be better through analysis from the macroscopic and microcosmic lay respectively, and forecast the developing trend. Finally, we lodge relevant suggestions. The structure of this thesis is arranged as followed: first part is preface, second part is the origin , development of band card and connotation of the product innovation of bank card, third part is the analysis of developing status of the product innovation of bank card, fourth part is the analysis of the market circumstance and developing trend, fifth part is suggestions in the product innovation of bank card, last part is conclusions.
引文
[1]吴洪涛《商业银行信用卡业务》，中国金融出版社，2003
[2]周亦，吕艾国《银行卡机具与应用》，中国致公出版社，1999
[3]甘华鸣 《新产品开发》，中国国际广播出版社，1999
[4]秦骏伦 《创新经营》，浙江人民出版社，1999
[5]杨如彦 《中国金融工具创新报告》，中国大学出版社
[6]吴健安《市场营销学》，高等教育出版社，2001
[7]希拉．郝弗南《商业银行战略管理》，海天出版社，2000
[8]侯崴《我国金融创新的发展目标、重点与途径》，中国金融出版社，2002
[9]纵磊，《论入世后中国金融创新的总体框架和具体思路》，中国金融出版社，2002
[10]唐纳德．R．莱曼，拉塞乐．S．温纳，《产品管理》，北京大学出版社，2000
[11]郝海军《银行卡客户信息管理与应用》，载《中国信用卡》2003，9
[12]陈欢荣，揭水利《贷记卡市场营销战略的制定思路》，载《中国信用卡》2003，9
[13]周明，《联名卡：明日的辉煌》，载《中国信用卡》2003，12
[14]谢建华，《只谈信用卡外包》，载《中国信用卡》2003，12
[15]董勤，《客户关系管理在信用卡业务中的应用》，载《中国信用卡》2003，12
[16]王增国《贷记卡业务发展的制约因素及相应对策》，载《中国信用卡》2003，12
[17]陈静《顺应国际形势推动我国银行卡产业的发展》，载《中国信用卡》2004，1
[18]虞月君《中国信用卡产业集中度与生命周期分析》，载《中国信用卡》2004，1
[19]周明《EMV迁移在中国》，载《中国信用卡》2004，2
[20]王朝晖《银行卡市场的“营”与“销”》，载《中国信用卡》2004，3
[21]郝一介《信用资源开发与发展环境改善》，载《中国信用卡》2004，3
[22]李剑《从标准化到大规模定制》，载《中国信用卡》2004，3
[23]张保军《运通卡的有益启示》，载《中国信用卡》2004，3
[24]林后春《关于把商业银行建成精品银行的战略思考》，载《金融论坛》2004，3
[25]朱毅峰《我国银行业的市场竞争、金融创新与风险防范》，载《金融论坛》2004，3
[26]《信息技术将对加速中国银行卡产业发展产生决定性影响》，载《证券日报》2003．7．20
[27]SandraL．Devine，Rajnish Bharadwaj《银行建立客户关系关键是产品创新还是服务?》，载《21世纪经济报道》2004．02
[28]何佳艳，《(金融)零售银行战略进行时》，互联网周刊 2003．11
[29]何望，《创新个人金融业务之思考》，新华网2003．10．19
[30]张未民《为什么推出全国统一的“银联”标识卡?》新华社2002．1．13
[2]周亦，吕艾国《银行卡机具与应用》，中国致公出版社，1999
[3]甘华鸣 《新产品开发》，中国国际广播出版社，1999
[4]秦骏伦 《创新经营》，浙江人民出版社，1999
[5]杨如彦 《中国金融工具创新报告》，中国大学出版社
[6]吴健安《市场营销学》，高等教育出版社，2001
[7]希拉．郝弗南《商业银行战略管理》，海天出版社，2000
[8]侯崴《我国金融创新的发展目标、重点与途径》，中国金融出版社，2002
[9]纵磊，《论入世后中国金融创新的总体框架和具体思路》，中国金融出版社，2002
[10]唐纳德．R．莱曼，拉塞乐．S．温纳，《产品管理》，北京大学出版社，2000
[11]郝海军《银行卡客户信息管理与应用》，载《中国信用卡》2003，9
[12]陈欢荣，揭水利《贷记卡市场营销战略的制定思路》，载《中国信用卡》2003，9
[13]周明，《联名卡：明日的辉煌》，载《中国信用卡》2003，12
[14]谢建华，《只谈信用卡外包》，载《中国信用卡》2003，12
[15]董勤，《客户关系管理在信用卡业务中的应用》，载《中国信用卡》2003，12
[16]王增国《贷记卡业务发展的制约因素及相应对策》，载《中国信用卡》2003，12
[17]陈静《顺应国际形势推动我国银行卡产业的发展》，载《中国信用卡》2004，1
[18]虞月君《中国信用卡产业集中度与生命周期分析》，载《中国信用卡》2004，1
[19]周明《EMV迁移在中国》，载《中国信用卡》2004，2
[20]王朝晖《银行卡市场的“营”与“销”》，载《中国信用卡》2004，3
[21]郝一介《信用资源开发与发展环境改善》，载《中国信用卡》2004，3
[22]李剑《从标准化到大规模定制》，载《中国信用卡》2004，3
[23]张保军《运通卡的有益启示》，载《中国信用卡》2004，3
[24]林后春《关于把商业银行建成精品银行的战略思考》，载《金融论坛》2004，3
[25]朱毅峰《我国银行业的市场竞争、金融创新与风险防范》，载《金融论坛》2004，3
[26]《信息技术将对加速中国银行卡产业发展产生决定性影响》，载《证券日报》2003．7．20
[27]SandraL．Devine，Rajnish Bharadwaj《银行建立客户关系关键是产品创新还是服务?》，载《21世纪经济报道》2004．02
[28]何佳艳，《(金融)零售银行战略进行时》，互联网周刊 2003．11
[29]何望，《创新个人金融业务之思考》，新华网2003．10．19
[30]张未民《为什么推出全国统一的“银联”标识卡?》新华社2002．1．13