本书综述和评析了国内外银行信用卡相关领域现有的研究成果和理论文献，并运用新制度经济学的研究思路和研究方法，针对我国银行信用卡市场中出现的具体问题展开深入挖掘，通过一系列紧密有序的定性和定量分析，把握住了影晌我国银行信用卡制度的因素变量，最终从资源配置的角度说明了现阶段我国银行信用卡在市场、组织、监管及法律法规等方面存在的问题及其原因。最后再结合国外银行信用卡制度体系中的先进经营和管理理念，提出了建立以产权保护、组织激励、有序竞争、监管创新以及法律法规公平性为原则的均衡制度框架。

This book reviews and reviews the existing research results and theoretical literature in the field of bank credit card related fields at home and abroad, and uses the research ideas and research methods of new institutional economics to deeply excavate the specific problems that appear in China's bank credit card market, grasps the factor variables that affect China's bank credit card system through a series of close and orderly qualitative and quantitative analysis, and finally explains the current stage of China's bank credit card in the market, organization, from the perspective of resource allocation. Problems in regulatory and legal regulations and their causes. Finally, combined with the advanced operation and management concepts in the credit card system of foreign banks, a balanced institutional framework based on the principles of property rights protection, organizational incentives, orderly competition, regulatory innovation and fairness of laws and regulations is proposed.（AI翻译）

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