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我国加入WTO后,金融业面临着新的冲击和挑战,信用卡消费信贷因其广阔的发展前景,极有可能成为外资银行争夺的焦点。因此,我国商业银行必须高度重视信用卡消费信贷的紧迫性和重要性,对信用卡业务的发展进行重新的市场定位,真正将开拓信用卡的信用销售和个人信贷功能纳入新的发展战略。
After China’s accession to the WTO, the financial industry is facing new challenges and challenges. The credit card consumer credit is likely to become the focus of competition for foreign banks due to its broad development prospects. Therefore, China’s commercial banks must attach great importance to the urgency and importance of credit card consumer credit, re-market the development of credit card business, and truly incorporate the credit sales and personal credit functions of credit card into the new development strategy.