建设银行盘锦分行信用卡业务存在的问题及对策 会计财务管理专业VIP专享VIP免费

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，居民收入也在不断增加，人们的消费观念也随之而发生变化，人们的消费形式已经从传统的现金交易模式逐渐转变成了新兴的信用卡消费模式。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发展过程中的一项新业务。随着国家社会经济水平的稳步提高，银行业信用卡业务发展非常迅速，也备受关注。银行信用卡对人们的生活影响很大，其可持续发展面临着一系列问题。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.................................................................42.1调查问卷设计及过程..........................................................................................42.2调查情况.............................