I 摘 要目前信用卡已经发展成非常流行的金融产品,在发达国家普及率非常高,信用卡业务高风险、高收益的“双高”特性在金融界众所周知。近年来,我国相继颁布了各项刺激内需及促进消费信贷的相关政策,为信用卡推广提供了很好的机会,中国经济总体趋势实现了稳增长,全面深化改革,产业结构调整,以及众多企业转型发展,大家都在危机中展现活力、挖掘机遇,实现“软着陆”。随着互联网金融的快速崛起以及利率市场化的深入,对于银行信用卡业务而言也是考验重重。业务难以开展,客户流失以及不良资产率的攀升,是多数银行在过去一年中存在的普遍问题。传统商业银行的信用卡业务,最初追求客户规模效应,优劣客户同时吸收,带来众多负面效应。面对巨大的挑战和可贵的历史机遇,我们只能积极应对。本文以盛京银行辽中支行信用卡业务发展问题与对策为主题,通过文献研究法和调查研究法两种方法制定调查问卷,结合国内信用卡发展的环境和现状,对盛京银行辽中分行进行实地调研,详细分析了受访者信用卡业务等方面的调查结果,了解到当今盛京银行信用卡的现状,剖析了发展问题。指出了盛京银行辽中分行发展中仍然不足的地方和客户的意见,针对这些制约因素,在借鉴发达国内外先进经验的基础上,结合辽中分行的实际情况,提出了辽中分行信用卡的发展策略,希望能对盛京银行辽中分行的发展提供现实依据,同时也对其它银行信用卡业务发展给出参考。关键词:辽中;信用卡业务;盛京银行 II AbstractCredit card has developed into a very popular financial products in the developed countries, the penetration rate is very high,In recent years, China has issued a series of policies to stimulate domestic demand and promote consumer credit, credit card promotion provides a good opportunity,With the rapid rise of Internet banking, as well as the depth of interest rate market, the bank credit card business is also a test. Business is difficult to carry out, the loss of customers, as well as the rising rate of non-performing assets, the majority of banks in the past year there is a common problem.Faced with enormous challenges and valuable historical opportunities, we can only acti...