摘要随着我国经济的持续快速发展，人们的生活越来越好，居民收入也在不断增加，人们的消费观念也随之而发生变化，人们的消费形式已经从传统的现金交易模式逐渐转变成了新兴的信用卡消费模式。信用卡消费模式刺激了人们的消费欲望，让人们享受到了超前消费的乐趣。但随着信用卡发放数量的不断增加，也同时产生了一系列超前消费所带来的后续问题。信用卡业务是我国金融业务发展过程中的一项新业务。随着国家社会经济水平的稳步提高，银行业信用卡业务发展非常迅速，也备受关注。银行信用卡对人们的生活影响很大，但是银行信用卡业务的发展仍然存在许多问题。本文以建设银行盘锦分行为例，通过问卷调查的形式对使用建设银行盘锦分行信用卡消费的居民进行了调查分析总结出了信用卡使用率低、产品与营销手段单一、员工服务水平低、风险管理体系不完善等问题。针对这些问题，提出了相应的解决方案。关键词：建设银行：盘锦分行；信用卡业务AbstractWith the sustained and rapid development of China's economy,people's life isgetting better and better,the income of residents is also increasing,people'sconsumption concept is also changing,people's consumption form has graduallychanged from the traditional cash transaction mode to the new credit cardconsumption mode.The consumption mode of credit card stimulates people'sconsumption desire and makes people enjoy the pleasure of consumption ahead oftime.However,with the increasing number of credit cards issued,there are also aseries of follow-up problems caused by advanced consumption.Credit card business is a new business in the development of financial businessin China.With the steady improvement of the national social and economic level,thecredit card business of the banking industry develops very quickly and has attractedmuch attention.Bank credit card has a great influence on people's life,but there arestill many problems in the development of bank credit card business.Taking Panjinbranch of China Construction Bank as an example,this paper investigates andanalyzes the residents who use the credit card of Panjin branch of China ConstructionBank in the form of questionnaire,and sums up some problems,such as lowutilization rate of credit card,single product and marketing means,low service levelof employees,imperfect risk management system,etc.In view of these problems,thecorresponding solutions are put forward.Key words:Bank for Economic Construction;Panjin Branch;Credit Card Busin目录Abstract绪论1信用卡业务概述21.1信用卡业务概念21.2信用卡业务种类1.3信用卡业务的必要性22建设银行盘锦分行信用卡业务现状调查2.1调查问卷设计及过程42.2调查情况…42.3样本特征42.4调查数据分析53建设银行盘锦分行信用卡业务存在的问题3.1信用卡使用率低…83.2产品与营销手段单3.3员工服务水平较低3.4信用卡业务风险管理体系不健全104建设银行盘锦分行信用卡业务存在的问题对策124.1提高发放过程中的监管124.2增加产品种类及营销体制134.3提高员工服务水平与质量134.4完善风险管理体系14致谢.18参考文献19附录.20