It should be pointed out that the " credit card " in the paper refers to the credit card in the international practice . it is the individual credit and payment instrument with the functions of circulative cr . edits , transferring accounts , settling accounts , depositing and drawing cash , and with such features as requiring no guarantor and no cash deposit . the cardholder can return the money by installments according to the lowest payments required 需要指出的是，本文的“信用卡”是指国际惯例意义上的信用卡( creditcard ) ，即具有循环信贷、转账结算、存取现金等功能设计和“先消费，后还款” 、无须担保人和保证金、可按最低还款额分期还款等特点的个人信用和支付工具。
The operation of banking card in china has made a great progress in recent years . but the prosperity of the business of card - issuing doesn ’ t necessarily bring the prosperity of the business of banking card . the reason is , for the virtual nature , electronic nature and the short - term time of emergence of the banking card , the rights of banking card consumers are easier to be violated compared with the traditional credit vouchers or payment tools , for example , the format provisions established by the banks make the consumers hard to choose , the banks charge before discussing with the consumers , and the businesses ’ refusal of the consumers ’ use of the banking cards 近年来,我国银行卡发卡业务发展迅速,但这却并未带来银行卡业务的繁荣。其原因是,由于银行卡的虚拟性、电子性、及其出现时间的短期性,与传统的信用凭证或支付工具相比,银行卡消费者的权益比一般消费者更容易受到侵害,具体有以下几种情形:银行制定的格式条款让消费者无从选择、银行不与消费者商量擅自收年费、商家拒绝消费者刷卡等。
Different m & a payment manner has different influence on the finance . whether the payment tool adopted is appropriate , not only influences the implement of incorporation strategy , but also displays different values of m & a information , which will further influence the operation of m & a markets , and even determine the final result of m & a transactions 不同的并购支付方式对并购双方的财务影响各异，支付工具选择适当与否，不仅关系到并购策略的实现还会显示出不同的并购信息价值，从而影响到并购市场的运行，甚至决定并购交易是否能够成功。
With development of half a century , credit card owing to its security and promptitude has replaced cash to become the most desirable way of payment that maintains functions of saving , consuming , account settlement , financing and so on , representing a perfect combination of traditional financial services and modern information technology 经过半个世纪的发展,信用卡以安全快捷的优势逐步取代现金,成为集存款、消费、结算、信贷、理财等功能于一体的新型支付工具,体现了传统金融业务与现代信息技术的完美结合,并且渗透到社会经济生活的方方面面。
