摘要
本文阐述了台湾地区消费金融的兴起过程,从供给、需求和制度等三个角度分析推动消费金融发展的影响因素;重点讨论消费金融中的重要产品——信用卡和现金卡业务的发展、市场格局和卡债危机,并从银行、消费者和监管者三个层面探讨卡债危机爆发的原因;最后总结消费金融发展的经验,并提出针对中国内地消费金融发展的意见和建议。
Starting with a description of consumer finance emerging in Taiwan, this paper analyses roles played by supply, demand and regulation, the three stimulating factors. While focusing on business, market structure and financial crisis of credit card and cash card, which are the most important components of consumer finance, this paper further probes into the reasons of card crisis from the perspectives of banks, consumer and regulator. It concludes with suggestion for China mainland regulators after summing up the experience of their Taiwan counterparts.
出处
《国际金融研究》
CSSCI
北大核心
2008年第9期48-54,共7页
Studies of International Finance
