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The Current Situation, Problems and Countermeasures of Credit Card Business of Commercial Banks in China

Author(s)

Yue Sun*, Yu Wang

Affiliation(s)

The Tourism College of Changchun University, Changchun, Jilin, China *Corresponding Author

Abstract

With the sustained advancement of China's social and economic development, the evolution of the bank credit card business has increasingly emerged as a focal point of attention across all sectors of society, and its penetration into and influence on people's daily lives have been steadily deepening. Nevertheless, the bank credit card business is still plagued by a plethora of issues. These include the blind pursuit of the number of issued cards, a low active card usage rate, the absence of a matching and sound legal and regulatory framework, insufficient innovation in credit card-related business operations, as well as the escalating operational risks and fraud incidents associated with credit cards. In light of these challenges, the government should collaborate with relevant institutions to formulate and implement targeted laws and regulations that are tailored to the development of the credit card business, enhance the quality of credit card issuance, promote innovations in credit card businesses, and strictly regulate the operational practices of credit card services while cracking down on illegal cash advances.

Keywords

Commercial Bank; Credit Card Business; Development Status; Issue; Countermeasures

References

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