Moreover , it explains about the internal strength and weakness , external opportunities and threats , and analyzes the competitors and market situation . in marketing strategy , find out the market segment and position the market by stp analyzing 此外，讲述了永亨银行信用卡中心的内部条件的优劣以及外部环境的机会和威胁，并剖析永亨卡中心的竞争对手和市场竞争状况。
An unemployed man was sentenced to 120 hours of community service for dishonestly obtaining for his mother a credit card issued by a bank , by falsely representing that his mother was employed by an engineering company with a monthly income of 25 , 000 一名无业男子，使用不诚实手法为母亲取得一张银行信用卡，即讹称其母亲以月薪二万五千元受雇于一间工程公司，被判须履行一百二十小时社会服务。
Additionally , while visa canada and mastercard canada incurred losses of $ 134 . 1 million in 1999 and $ 163 . 18 million in 2004 , such losses represented less than 1 per cent of the banks ' overall sales volume , says the report 另外，加拿大的签证信用卡公司和万事达信用卡公司在1999年因身份被盗用的经济损失为一亿三千四百一十万， 2004年的损失为一亿六千三百一十八万，这点损失还不到银行信用卡划卡额的1 % 。
The first one has a brief introduction to birth and development of credit card , defines the concept of credit card , discusses legal characters and functions of credit card , and most importantly makes clear the legal relations between the parties of credit card transactions 诙?诖幽诤?屯庋臃治鲂庞每?概念,指出本文所称信用卡专指银行信用卡,认为信用卡在法律性质上属于一种消费信贷,具有转帐结算、存取现金和消费贷款等功能。
The main sources of the research are documents and files , interviewing thorough with section managers and staffs , and observeing directly the organization operations . the finding of this research : 1 . the current performance system is a kind of traditional way by using the financial indicators to measure it ' s own performance 本研究发现：一、个案银行信用卡部门系采取传统的财务性绩效评估方式，其评估对象并未推及各科别及个人，且与奖励制度关联性甚低。
After several years " development , there are 2 billion credit cards in the world , and 500 million in the united states . in united states , a quarter of retail trade was finalized by credit card , the loan of credit card consume credit exceeded 20 percent in all loan granted by banks in usa . in 2000 , credit card brought 1 . 76 billion profits to hsbc , the profit which come from credit card become important part of business bank ' s profit , some of which it exceeded 50 percent 信用卡经过短短几十年的发展,全球已有20亿张信用卡,其中美国有5亿张以上,美国零售交易中有25 %通过信用卡来完成,信用卡消费信贷业务占美国商业银行总贷款的20 %以上, 2000年度,花旗银行信用卡发卡利润17 . 6亿美元,信用卡业务利润是商业银行利润的重要组成部分,其比例甚至高达50 %以上。
As a multi - functional financial product , the credit card gradually gathers depositing & drawing , transferring & balancing , consuming & circulating credit together . nowadays , the credit card business becomes the focus of the competition among the commercial banks . as a result , the credit card business , with its rich returns , strong market infiltrations and broad brand influences , will certainly be the first target for the commercial banks that have the ambition to scramble the financial market 随着我国经济的发展和信息科技水平的提高,银行信用卡逐渐成为一种集存取现金、转账结算、商户消费、循环信贷等多项功能于一体的金融产品,日益受到人们的青睐,信用卡业务以其丰厚的回报、强大的市场渗透力和广泛的品牌影响,逐步成为各商业银行竞争的焦点。
In the introduction , investigate the credit card ' s serve object ; history develop and the problem of text will open out . this paper " opinion is that credit card exchange ' s essence character consist of differ law connection strict independence ; working over about credit card ' s assures report the loss of credit card and overdraft of credit card etc , in order to open out law risk in the motion of credit card , and looking for availability measure 本文第一部分为导言，包含了信用卡的服务对象、历史发展和本文拟揭示的问题；本文第二部分讨论了包括信用卡功能与法律性质、信用卡合同分析、以及信用卡担保、透支和挂失以及银行信用卡法律完善等六个方面的问题。
This paper firstly introduce and analyze the profit mode of civil commercial banks ' business of credit card , then analyze how to manage the risk of business of credit card of civil commercial banks in the direction of the risk factor affecting profit and cost , and propose that the level of risk management can be enhanced by dividing goal client base strictly , perfecting system of customers service , monitoring information of customers and performing rational management of raising fund 摘要本文首先对我国商业银行信用卡业务的盈利模式进行介绍分析，然后分别从影响利润和费用的风险因素的角度对我国银行信用卡业务的风险管理进行分析，提出现阶段可以通过严格划分目标客户群、完善客户服务体系、对客户信息进行实时监督、采取合理的筹资管理等途径来提高我国商业银行信用卡业务的风险管理水平，进而缩小我国银行业信用卡业务与外国银行业信用卡业务的差距。
