对湖南省银行卡用卡情况的调查与思考——以长、常、衡三市为例

摘要

Hunan Province has taken the lead in helping farmers withdraw money through bank card and in promoting bank card upgrading.However,there existed some problems such as less use of bank card,narrow use field,imperfect service and environment,and legal conditions,which limit the development of bank card industry.In a word,we should quicken bank card production,create a perfect accepted and legal environment,and expand and regulate a credit card market.In addition,we should develop better concept on using bank card,avoid sleeping card,increase using efficiency and security awareness,and promote its development.%湖南省无论从率先开展银行卡助农取款服务，还是推广银行卡升级换代等都取得了一定成就。但也存在着持卡人用卡情况仍欠佳、用卡领域狭窄、服务欠完善、环境欠佳、法规环境欠优化等诸多问题。已成为银行卡产业发展的瓶颈。改变信用卡发展严重滞后现状，增加居民收入与改变消费观念，加大银行卡推广力度，加快银行卡产品创新，创造良好的银行卡受理和法规环境。拓展并规范信用卡市场无疑是一条有效途径。同时，应大力培养消费者良好用卡理念，避免“睡眠卡”的出现，提高持卡人用卡频率，增强用卡安全意识。推动银行卡产业的发展。