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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/30125

    Title: 中國大陸消費金融發展研究 : 以消費信貸與銀行卡服務為中心
    Other Titles: A research on the development of consumer finance in Mainland China : focus on the consumer loan and credit card
    Authors: 梁杏華;Liang, Hsing-hua
    Contributors: 淡江大學中國大陸研究所碩士班
    李志強;Li, Chi-keung
    Keywords: 消費金融;消費信貸;銀行卡;信貸;貸款;信用卡;信用消費;consumer finance;consumer loan;financial card;Credit;loan;credit card;consumption on credit
    Date: 2005
    Issue Date: 2010-01-10 23:23:23 (UTC+8)
    Abstract: 近年來,大陸各商業銀行在消費金融服務領域的確向前邁進了一大步,在這波發展趨勢中,最受矚目、被大力提倡並公認具有發展潛力的項目則以消費信貸與銀行卡服務為代表。
    Commercial banks in Mainland China are making great advancement in consumer finance business in the past few years. Among this trend, consumer loan and financial cards are generally acknowledged as the most promising business that have been advocated and attracted the most attention.
    The main consumer finance business in Mainland China is consumer loan, followed by financial cards, personal checks, personal internet banking, and personal money management. This study will be focused on consumer loan and financial card business.
    Judging from the history of consumption development in the non-government sector in developed countries, consumption on credit will be an important way of consumption in the future, which also serves as a powerful measure in solving insufficient effective demand, increasing employment, and promoting economic growth. Consumer finance services such as consumer loan and financial cards have played important roles in increasing consumption on credit ,and affect indirectly the economic growth of a country or a region. Being one of the most promising economies in the world with greatest potential, Mainland China is optimistic in the prospect of this field and the government sector also promotes its development with constant efforts.
    In addition, China has agreed to open the market of consumer loan such as car loan to foreign companies and foreign bankers after it enters WTO. With the high profit margin in the business of consumer finance, a fierce competition is expected among domestic and foreign bankers when this primary market is open, and consumer finance services such as consumer loan and financial cards will become the impetus to financial innovation for domestic bankers in Mainland China.
    Appears in Collections:[中國大陸研究所] 學位論文

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