| 银行卡高睡眠率问题研究 |
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| 引用本文： | 邓向荣,王思禹.银行卡高睡眠率问题研究[J].天津师范大学学报(社会科学版),2011(5):53-56. |
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| 作者姓名： | 邓向荣 王思禹 |
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| 作者单位： | 南开大学经济学院; |
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| 基金项目： | 国家软科学研究计划项目(2009GXS5D101) |
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| 摘 要： | 大量存在的"睡眠卡"不仅占据了大量的银行资源,造成了巨大的浪费,而且还容易造成持卡人的信用污点。目前,我国消费者持卡消费的意识较低,商业银行则为了拓展市场而片面追求发卡数量的增加。解决这一问题的关键在于,提升银行卡的管理品质,扩大银行自身对应的签约商户的种类与数量,建立科学、合理、均衡的信用卡营销激励机制。
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| 关 键 词： | 银行卡 睡眠率 银行管理 |
The Research on the High Sleeping Rate of Credit Cards |
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| DENG Xiang-rong,WANG Si-yu.The Research on the High Sleeping Rate of Credit Cards[J].Journal of Tianjin Normal University(Social Science),2011(5):53-56. |
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| Authors: | DENG Xiang-rong WANG Si-yu |
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| Institution: | DENG Xiang-rong,WANG Si-yu |
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| Abstract: | The existing of large quantities of sleeping cards not only takes up a lot of banks' resources,but also causes a great waste because of the cost.Simultaneously,it bears the possibility of giving the card owners a bad credit records.Currently,the notion of consuming with credit cards' not being widely spread in our country,together with the commercial banks' unilateral pursuit of a high issued volume in order to expand their market contribute to the credit cards' high sleeping rate.The key to solving the pro... |
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| Keywords: | credit cards sleeping rate bank management |
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