This survey covers authorized institutions and some subsidiaries of ais that are engaged in credit card business . it does not cover card issuers that are not ai - related 1 .调查涵盖从事信用卡业务的认可机构及一些认可机构的附属机构，并非与认可机构有关的发卡机构并不包括在内。
The research will provide banks operating credit card business with new ideas and help domestic banks improve credit card service to achieve competitive advantages 本文的研究可以为银行开展信用卡业务带来新的思路，为国内银行提升信用卡业务的服务水平、获取竞争优势提供一定的帮助。
Why can the credit card business develop fast in a relative short period of time in foreign countries ? what ' s the theoretical basis of its existence and development in the economics 为什么信用卡业务在国外能够在较短的时间内得到快速的发展，其存在和发展的经济学理论基础是什么
However , credit card business is just launching in china and its development is obstructed by many factors among which lack of appropriate laws and regulations is a prominent one 但是信用卡消费在我国尚处于起步阶段,诸多因素阻碍着信用卡发展,其中信用卡相关法律的滞后是一个重要因素。
In the second part , the author analyzed the origin and development of the credit card business from a macroscopic perspective , with principles of economics 作者演绎了信息经济学的观点，认为信用卡贷款之所以成为成功的贷款模式，是因为在该贷款模式下，信息是充分和完备的，不存在信息不对称的现象。
In this situation , the research on credit card business is very helpful for those banks that want to upgrade their competency , especially for small banks like china merchants bank 因此，进行信用卡业务研究对于国内商业银行，尤其是像招商银行这样实力相对较弱的新兴股份制商业银行有着很强的现实意义。
In response to this problem , the hkma stepped up its supervision of consumer lending , particularly in the credit card business , with a view to mitigating the credit risk faced by authorized institutions 为处理这个问题，金管局加强对个人信贷（尤其信用卡业务）的监管，以减少认可机构面对的信贷风险。
The aim of china merchants bank is to be the top 5 card issuing bank in china . the strategy business unit system is the most suitable organization structure for credit card business 确定了目标市场和市场定位后，紧接着需要解决实务方面的问题，最主要的是组织结构问题、系统问题及经营管理经验欠缺的问题。
Based on the market research and enterprise ' s status study , conclusion can be drawn that china merchants bank should pay more attention to personal banking area , especially to credit card business 根据产业结构分析和企业地位、竞争力的分析，招商银行有必要将业务重点转向个人银行领域，并大力发展信用卡产品。
The data mining technology can find some unknown and valuable knowledge from large amount of credit card business data . it undoubtedly provides banks " credit card business with powerful support 新兴的数据挖掘技术能够从海量的信用卡业务存储数据中发现一些未知的、有价值的规律，无疑为银行提供个性化的信用卡服务提供了强有力的支持。
