An Empirical Study on China Bankcard Industry Using E-finance Innovation Product Diffusion Model

摘要

In a broad sense, technological innovation is a process including invention, innovation and diffusion. Diffusion is a process that innovation spreading and applied from headspring to user. The influence on economic growth by innovation comes to realize through diffusion. Diffusion is subject to some law, so is bankcard, which is one of e-finance innovation products. This paper makes an empirical study on China bankcard industry to analysis increasing acceleration, decreasing acceleration and growth acceleration of the number of cards issued in macro and micro bankcard industry in order to study the law of diffusion in China bankcard industry and give some strategic suggestions to financial institutions, some theoretical suggestions to administrator department for making relevant policies and regulations about the development of Chinese bankcard industry.