I摘要随着我国经济的持续快速发展，人们的生活越来越好，使得人们传统的消费观念发生了较大的改变，越来越多的人开始利用信用卡来满足自身的消费需求。信用卡消费模式刺激了人们的消费欲望，让人们享受到了超前消费的乐趣。但随着信用卡发放数量的不断增加，也同时产生了一系列超前消费所带来的后续问题。信用卡业务是我国金融业务当中的一个重要组成部分，同时也是银行获得收入的一个重要来源。在当前社会经济迅速发展的刺激之下，消费者的消费需求显著上涨，因此，对于信用卡业务的需求也显著提升，这为推动信用卡业务的发展提供了充足的动力。虽然银行信用卡业务的发展能够对人们的生活产生较大的影响，但是在信用卡发展过程当中，也存在着很多的问题和缺陷，对信用卡业务的可持续发展产生了严重的威胁。本文以建设银行盘锦分行为例，通过问卷调查的形式对使用建设银行盘锦分行信用卡消费的居民进行了调查分析总结出了信用卡使用率低、产品与营销手段单一、员工服务水平低、风险管理体系不完善等问题。针对这些问题，提出了相应的解决方案。关键词：建设银行；盘锦分行；信用卡业务IIAbstractWiththesustainedandrapiddevelopmentofChina'seconomy,people'slifeisgettingbetterandbetter,theincomeofresidentsisalsoincreasing,people'sconsumptionconceptisalsochanging,people'sconsumptionformhasgraduallychangedfromthetraditionalcashtransactionmodetothenewcreditcardconsumptionmode.Theconsumptionmodeofcreditcardstimulatespeople'sconsumptiondesireandmakespeopleenjoythepleasureofconsumptionaheadoftime.However,withtheincreasingnumberofcreditcardsissued,therearealsoaseriesoffollow-upproblemscausedbyadvancedconsumption.CreditcardbusinessisanewbusinessinthedevelopmentoffinancialbusinessinChina.Withthesteadyimprovementofthenationalsocialandeconomiclevel,thecreditcardbusinessofthebankingindustrydevelopsveryquicklyandhasattractedmuchattention.Bankcreditcardhasagreatinfluenceonpeople'slife,buttherearestillmanyproblemsinthedevelopmentofbankcreditcardbusiness.TakingPanjinbranchofChinaConstructionBankasanexample,thispaperinvestigatesandanalyzestheresidentswhousethecreditcardofPanjinbranchofChinaConstructionBankintheformofquestionnaire,andsumsupsomeproblems,suchaslowutilizationrateofcreditcard,singleproductandmarketingmeans,lowservicelevelofemployees,imperfectriskmanagementsystem,etc.Inviewoftheseproblems,thecorrespondingsolutionsareputforward.Keywords:BankforEconomicConstruction;PanjinBranch;CreditCardBusinI目录摘要...............................................................................................................................IAbstract........................................................................................................................II目录...............................................................................................................................I绪论..............................................................................................................................11信用卡业务概述.........................................................................................................21.1信用卡业务概念..................................................................................................21.2信用卡业务种类..................................................................................................21.3信用卡业务的必要性..........................................................................................22建设银行盘锦分行信用卡业务现状调查..................................................................
