摘要：随着我国经济的快速发展，个人消费信用的需求增长愈来愈明显，但是经由正规的银行渠道获得的个人信贷申请手续比较复杂，况且对抵押或质押条款也有相应的要求。相比而言，在商业银行消费信贷业务中，信用卡业务是唯一的无需抵押，无需重复申请的信用产品。这使得消费信用的获得更加快捷，对于刺激消费、促进经济发展有积极的推动作用。

　　国际学者在消费信贷范畴的钻研成果颇丰，涉及到的钻研范畴和钻探视角也非常的遍及深刻，不过不能忽视的是，学者们主要都注重于企业背约危机的研究，而较少地研究消费信贷风险;主要都注重银行与企业的讯息构造上，而缺少分析其余的影响成分，尤其是剖析战略情况、银行管理模式变动等对银行信贷活动的效果。以上钻研的视角和相关推导出的详细结论不可轻易套用在转型特性典型的目前具体的中国经济身上。而由于海内的消费信贷的研究起步较晚，海内的钻研中波及信用卡这一载体的消费信贷影响成分的考虑较少。

　　本文研究侧重近几年有关信用卡信贷发展指标数据的分析，目的是通过对信用卡消费信贷发展现状的研究，探讨对信用卡消费信贷发展的影响要素，从而找到信用卡消费信贷发展的对策建议，包括构建完善的征信体系和相关法律法规，加强各方对消费信贷的扶持，形成联合经营，加强风险管理与信用卡这一载体的创新等，促进我国信用卡消费信贷健康发展。

关键词：信用卡 影响因素 发展策略

Abstract: With the rapid development of our economy, the personal consumption credit demand growth is more and more obvious, but the personal loan application procedures to get through the formal banking channels is more complex, but also have the corresponding requirements for mortgage or pledge clause. In contrast, in the consumer credit services of commercial banks, credit card business is no mortgage only, without the need for repeated application for credit products. This allows access to consumer credit more quickly, to stimulate consumption, has a positive role in promoting economic development.

　　　International scholars in the consumer credit category research results, research scope involves drilling angle and also very in deep, but can not be ignored is, researchers mainly focus on enterprise faith crisis, and the study of consumer credit risk less; mainly focus on information structure of banks and enterprises, and the lack of analysis of the effect of composition, especially analyzes the strategic situation, bank management mode change effect on bank credit activities. Conclusion the above research perspective and with related derived cannot be easily applied in the transformation of the typical characteristics of the specific Chinese economic body. And because of domestic consumer credit started late, the domestic study of the carrier wave and credit card consumer credit influence the composition of less consideration.

　　　This study focused on the analysis of credit card credit related data in recent years, the purpose is through the research on the credit card consumption credit development present situation, discusses the influence factors of the development of consumer credit, credit card, credit card and find countermeasures and suggestions for the development of consumer credit, including the construction of credit system and perfect relevant laws and regulations, strengthen the parties to the consumer credit support, the formation of joint management, strengthen risk management and credit card as the carrier of innovation, promote the healthy development of the credit card consumption.

Keywords: Credit card Influencing factor Development strategy