目录摘要..................................................................1Abstract................................................................2一、文献综述............................................................3（一）国外研究综述..................................................3（二）国内研究综述..................................................4二、银行卡业务概述......................................................4（一）银行卡的含义..................................................5（二）银行卡业务的本质特征..........................................5三、武汉银行卡市场的发展现状............................................6（一）贷记卡步入快速发展时期........................................7（二）中外合作如火如荼..............................................7四、武汉银行卡业务发展存在问题..........................................7（一）银行卡受理环境不足............................................7（二）部分银行办卡手续繁琐，时间冗长................................8（三）公众对银行卡的认识仍不深入....................................8（四）银行卡产业政策和法规存在缺陷..................................9（五）缺少差别化服务，使满意度低...................................10（六）社会个人信用征信体系不健全...................................11五、武汉银行卡产业发展的应对策略.......................................11（一）改善消费环境，加快特约商户的发展.............................11（二）简化办卡手续.................................................12（三）加大银行卡的宣传力度，提高公众对银行卡的认识.................12（四）加强银行卡的立法建设，打击银行卡犯罪.........................13（五）加强银行卡的管理机制以此提高服务质量.........................14（六）加快建立个人信用征信系统.....................................14六、结论...............................................................14参考文献...............................................................15摘要银行卡在现在社会中具有多重作用。随着经济水平的提高，居民购买力也快速增强。随着大众消费观念的逐渐改变以及人们生活节奏的加快，银行卡作为一种便捷的交易方式和先进的支付手段，与人们的日常消费密切相关，为人们提供方便的同时还能促进经济的发展。但在银行卡发展过程中存在许多问题和困难，本文将以武汉银行卡市场业务的发展现状为例进行分析和研究。深入分析我国银行卡市场在银行卡政策和法规体系等方面存在的问题。并且在此基础上针对我国银行卡市场管理的相关问题提出解决策略。关键词：银行卡；金融风险；市场业务1AbstractThebankcardinthesocietynowhasmultipleroles.Withtheincreaseofeconomicdevelopmentlevel,thepurchasingpowerofresidentsalsoincreasesquickly.Asthepopulationofthegradualchangeinconsumerattitudesaswellaspeopleliferhythmaccelerate,bankcardasaconvenienttradingmethodsandadvancedmeansofpayment,andpeople'sdailyconsumptionarecloselyrelated,toprovidetheconvenienceforthepeopleandpromoteeconomicdevelopment.Butinthedevelopmentofbankcardprocesstherearemanyproblemsanddifficulties,thispaperwilltakeWuhanmarketofbankcardbusinessdevelopmentstatusasanexampleforanalysisandresearch.In-depthanalysisofChina'sbankcardbankcardmarketinpoliciesandregulationssystemandotheraspectsoftheexistingproblems.AndonthisbasisforChina'sbankcardmarketmanagementputsforwardthesolvingstrategies.Keywords:creditcard;financialrisk;marketdevelopment;2自中国实行改革开放政策以后，随着消费观念的变化，我国在借鉴国外经验的基础上，开始发展了适合中国国情的银行卡市场。银行卡...
