您所在位置： &
&nbsp&&nbsp&nbsp&&nbsp
中国银行信用卡业务中后台服务管理研究.pdf43页
本文档一共被下载：
次 ,您可免费全文在线阅读后下载本文档
文档加载中...广告还剩秒
需要金币：200 &&
你可能关注的文档：
··········
··········
南开大学学位论文使用授权书
根据《南开大学关于研究生学位论文收藏和利用管理办法》，我校的博士、硕士学位
获得者均须向南开大学提交本人的学位论文纸质本及相应电子版。
本人完全了解南开大学有关研究生学位论文收藏和利用的管理规定。南开大学拥有在
《著作权法》规定范围内的学位论文使用权，即： 1 学位获得者必须按规定提交学位论文
包括纸质印刷本及电子版 ，学校可以采用影印、缩印或其他复制手段保存研究生学位论
文，并编入《南开大学博硕士学位论文全文数据库》； 2 为教学和科研目的，学校可以将
公开的学位论文作为资料在图书馆等场所提供校内师生阅读，在校园网上提供论文目录检
索、文摘以及论文全文浏览、下载等免费信息服务； 3 根据教育部有关规定，南开大学向
教育部指定单位提交公开的学位论文； 4 学位论文作者授权学校向中国科技信息研究所和
中国学术期刊 光盘 电子出版社提交规定范围的学位论文及其电子版并收入相应学位论文
数据库，通过其相关网站对外进行信息服务。同时本人保留在其他媒体发表论文的权利。
非公开学位论文，保密期限内不向外提交和提供服务，解密后提交和服务同公开论文。
论文电子版提交至校图书馆网站：http：#'202．113．20．161：8001／index．htm。
本人承诺：本人的学位论文是在南开大学学习期间创作完成的作品，并已通过论文答
辩：提交的学位论文电子版与纸质本论文的内容一致，如因不同造成不良后果由本人自负。
本人同意遵守上述规定。本授权书签署一式两份，由研究生院和图书馆留存。
正在加载中，请稍后...“按分布的网点（全国）多少排名，由高到低依次是农行－－工行－－建行－－中行。”应该是工行网点最多，全国2万个左右！
您的举报已经提交成功，我们将尽快处理，谢谢！
这个不好说，一般大众型的银行就比较适合，工商，建设，农业都是常见的
大家还关注
(window.slotbydup=window.slotbydup || []).push({
id: '2081942',
container: s,
size: '1000,60',
display: 'inlay-fix'除了五大行，中国为什么需要如此众多的银行？
以美国为例，银行业主要以bank of amrica, 大通，花旗等寡头竞争。大多数国家也如此，但是中国为何有数十家银行共存，几乎各大城市都有自己城市命名的地区银行。这样局面的原因是什么，有何特点和弊端？
按时间排序
这题问的。。因为挣钱啊！你以为开营银行的资本家是傻瓜么
还有Wells Fargo bank. Sun trust. first citizens bank.
Pnc bank. Us. Bank.
Harris Bank....... 这还是叫得上名字的银行，你上网搜一下支持Apple pay的银行列表就不会再问这个问题了。就这个名单上的银行就已经多到令人发指。MasterCard says its customers with specific banks will be online in a matter of months, while Visa suggests the wait will be a matter of weeks. If your bank is listed below, you might want to reach out on a per-bank basis to find out more information.Here’s the full list:1st Colonial Community Bank1st Community Federal Credit UnionA+ Federal Credit UnionActors Federal Credit UnionAdvantage Federal Credit UnionAdvantage One Federal Credit UnionAffinity Federal Credit UnionAffinity Plus Federal Credit UnionAlaska USA Federal Credit UnionAlliant Credit UnionALPS Federal Credit UnionAlternatives Federal Credit UnionAltra Federal Credit UnionAmarillo National BankAmegy Bank National AssociationAmerica First Credit UnionAmerican Airlines Federal Credit UnionAmerican Chartered BankAmerican Heritage BankAmerican Savings BankAmerica’s Christian Credit UnionAmerica’s Credit UnionAmeriCU Credit UnionAndrews Federal Credit UnionAPCO Employees Credit UnionArlington Community Federal Credit UnionArtisans BankArvest BankAuburn BankAvidbankBank of ColoradoBank of HawaiiBank of IdahoBankers Trust CompanyBankers Trust Company – Cedar RapidsBankIowaBarclaycardBaton Rouge Telco Federal Credit UnionBaxter Credit UnionBay Atlantic Federal Credit UnionBCM Federal Credit UnionBellco Credit UnionBellwether Community Credit UnionBelmont Bank & TrustBlack Hills Federal Credit UnionBlackhawk Community Credit UnionBMI Federal Credit UnionBoeing Employee Credit UnionBofI Federal BankBoulder Dam Credit UnionBranch Banking and Trust CompanyBrazos Valley Schools Credit UnionBrown County State BankCalifornia Bank & TrustCambridge Trust CompanyCamden National BankCampus USA Credit UnionCapital City BankCapitol Credit UnionCapitol Federal Savings BankCardinal BankCardinal Community Credit UnionCascade Federal Credit UnionCentra Credit UnionCentral Florida Educators Federal Credit UnionCentral Keystone Federal Credit UnionCentral Valley Community BankChanging Seasons FCUCharter Oak Federal Credit UnionCheektowaga Community Federal Credit UnionChevron Federal Credit UnionChippewa County Credit UnionChristian Community Credit UnionCitizens and Farmers BankCity National BankCity National Bank of New JerseyClearview Federal Credit UnionCME Federal Credit UnionCoast Central Credit UnionCoastal Federal Credit UnionCoastalStates BankCoastHills Credit UnionCoastline Federal Credit UnionColumbia BankColumbine Federal Credit UnionComenity BankComenity Capital BankCommerce BankCommonwealth Credit UnionCommonWealth One Federal Credit UnionCommunity & Southern BankCommunity America Credit UnionCommunity Bank of Pleasant HillCommunity Bank of RaymoreCommunity Choice Credit UnionCommunity Credit Union of FloridaCommunity First Credit UnionCommunity First Credit Union of FloridaCompass BankConnex Credit UnionConservation Employees’ Credit UnionConsumers Credit Union – IllionoisCoulee Dam Federal Credit UnionCounty Educators Federal Credit UnionCoVantage Credit UnionCPM Federal Credit UnionCross Keys BankCTECUCustomers BankCyprus Federal Credit UnionDeer Valley Credit UnionDel-One Federal Credit UnionDenver Community Credit UnionDenver Fire Department Federal Credit UnionDesert First Federal Credit UnionDFCU FinancialDiablo Valley Federal Credit UnionDigital Federal Credit UnionDirections Credit UnionDort Federal Credit UnionDupaco Community Credit UnionDuPage Credit UnionDuPont Community Credit UnionDutch Point Credit UnionE Federal Credit UnionEast River Federal Credit UnionEast Texas Professional Credit UnionEast Wisconsin Savings BankEastman Credit UnionEducators Credit UnionEli Lilly Federal Credit UnionEmployees Credit UnionESL Federal Credit UnionEvansville Federal Credit UnionEvansville Teachers Federal Credit UnionEvergreen Credit UnionF&A Federal Credit UnionFairfax County Federal Credit UnionFarm Bureau BankFarmers BankFidelity Deposit & Discount BankFifth Third BankFinancial Plus Credit UnionFinancial Plus Credit UnionFirst Atlantic Federal Credit UnionFirst Bank and Trust CompanyFirst Bank and Trust CompanyFirst Bank of DaltonFirst Citizens’ Federal Credit UnionFirst Class American Credit UnionFirst Community Credit UnionFirst Community Credit UnionFirst Credit UnionFirst Entertainment Credit UnionFirst Federal Savings BankFirst Fidelity Bank N.A.First Financial Bank NA CincinnatiFirst Financial Credit Union (CA)First Financial Credit Union (IL)First Florida Credit UnionFirst International Bank and TrustFirst National BankFirst National Bank of Bosque CountyFirst National Bank of OmahaFirst National Bank of PontotocFirst National Bank-Arcadia LAFirst Northern Credit UnionFirst Technology Federal Credit UnionFirst Tennessee Bank National AssociationFirst Utah BankFirstbankFNB Community BankFort Worth City Credit UnionFort Worth Community Credit UnionFounders Federal Credit UnionFreedom First Credit UnionFremont BankFrost BankGE Credit UnionGenerations Community Federal Credit UnionGolden Plains Credit UnionGoldenwest Federal Credit UnionGreat Basin FCUGreater Iowa Credit UnionGreater Nevada Credit UnionGTE Federal Credit UnionGuaranty Bank & Trust CompanyGuaranty Bank & Trust, N.A.Gulf Coast Bank and Trust CompanyGulf Coast Educators Federal Credit UnionGulf Winds Federal Credit UnionHartford Healthcare Federal Credit UnionHawaii County Employees Federal Credit UnionHawaii State Federal Credit UnionHealthcare Systems Federal Credit UnionHeartland Federal Credit UnionHeinz-Del Monte Federal Credit UnionHenrico Federal Credit UnionHeritage Community Credit UnionHeritage Grove Federal Credit UnionHighmark Federal Credit UnionHiway Federal Credit UnionHonda Federal Credit UnionHouston Texas Fire Fighters Federal Credit UnionHudson River Community Credit UnionHudson Valley Federal Credit UnionHughes Federal Credit UnionHuntington Federal Savings BankIberiabankIdaho Central Credit UnionIlliana Financial Credit UnionIllinois National BankIllinois State Police Federal Credit UnionInnovations Federal Credit UnionINOVA Federal Credit UnioniQ Credit UnionJax Federal Credit UnionJohns Hopkins Federal Credit UnionJustice Federal Credit UnionKane County Teachers Credit UnionKeesler Federal Credit UnionKemba Credit UnionKent Credit UnionKey Point Credit UnionKinetic Credit UnionKirtland Federal Credit UnionLa Terre Federal Credit UnionLake Michigan Credit UnionLake Sunapee BankLandmark Credit UnionLangley Federal Credit UnionLaramie Plains Community Federal Credit UnionLegend Bank NALiberty Savings Bank, F.S.B.Library of Congress Federal Credit UnionListerhill Credit UnionLone Star State Bank of West TexasLos Angeles Federal Credit UnionLuther Burbank SavingsM&T BankMarine Bank & TrustMarion & Polk Schools Credit UnionMassMutual Federal Credit UnionMcGraw-Hill Federal Credit UnionMcHenry County Federal Credit UnionMeadows BankMeadows Credit UnionMendo Lake Credit UnionMercantile BankMercantile Bank of MichiganMerck Employees Federal Credit UnionMerco Credit UnionMeridian Trust Federal Credit UnionMerrimack Valley Credit UnionMichigan State University Federal Credit UnionMichigan Tech Employees Federal Credit UnionMidFirst BankMidflorida Credit UnionMid-Hudson Valley Federal Credit UnionMidState Federal Credit UnionMississippi National Guard Federal Credit UnionMississippi Telco Federal Credit UnionMissoula Federal Credit UnionMissouri BankMontgomery County Federal Credit UnionMountain America Credit UnionMountain Credit UnionMountain Valley BankMunicipal Credit UnionNAPUS Federal Credit UnionNASA Federal Credit UnionNational Bank of ArizonaNavy Federal Credit UnionNeighborhood Credit UnionNevada State BankNew England Federal Credit UnionNew Mexico Educators Federal Credit UnionNJ Gateway Federal Credit UnionNortheast Credit UnionNorthwest Federal Credit UnionNovartis Federal Credit UnionNucor Employee’s Credit UnionNuMark Credit UnionNumerica Credit UnionNymeo Federal Credit UnionOld Point National BankOne Bank & Trust, N.A.One Nevada Credit UnionOntario-Montclair School
Federal Credit UnionOregonians Federal Credit UnionOtero Federal Credit UnionPacific Community Credit UnionPacific Enterprise BankPacific NW Federal Credit UnionPacific Postal Credit UnionParlin DuPont Employees Federal Credit UnionPartners 1st Federal Credit UnionPartners Federal Credit UnionPasadena Federal Credit UnionPatelco Credit UnionPeapack Gladstone BankPenFed (Pentagon Federal Credit Union)Penn East Federal Credit UnionPeoples BankPeoples Choice Credit UnionPeople’s Community Federal Credit UnionPeople’s Trust Federal Credit UnionPermier Community Credit UnionPima Federal Credit UnionPinnacle BankPinnacle Bank Sioux CityPinnacle Bank TexasPinnacle Bank WyomingPittsford Federal Credit UnionPNC Bank, N.A.Polish & Slavic Federal Credit UnionPremier Community BankPremier Credit UnionPremier Members Federal Credit UnionPrestige Community Credit UnionPrimeTrust Financial Federal Credit UnionPriority One Credit UnionProponent Federal Credit UnionProvident Credit UnionPulaski BankPurdue Federal Credit UnionPyramid Federal Credit UnionRedwood Credit UnionRegions BankReliant Federal Credit UnionRiegel Federal Credit UnionRiver Valley Credit UnionRivermark Community Credit UnionRoanoke Valley Community Credit UnionRoyal Credit UnionSabine Federal Credit UnionSacramento Credit UnionSalal Credit UnionSan Diego Firefighters FCUSan Francisco Federal Credit UnionSan Francisco Fire Credit UnionSan Mateo Credit UnionSandia Area Federal Credit UnionSavings Bank of DanburySchools Financial Credit UnionSchoolsFirst Federal Credit UnionScient Federal Credit UnionSeasons Federal Credit UnionSeattle Metropolitan Credit UnionService Credit UnionSeven Seventeen Credit Union, Inc.Simmons First National BankSiouxland Federal Credit UnionSkyOne Federal Credit UnionSonoma County Grange Credit UnionSooper Credit UnionSouth Carolina Federal Credit UnionSouth Florida Educational Federal Credit UnionSouth Metro Credit UnionSouthern Federal Credit UnionSouthern Mississippi Federal Credit UnionSouthwest 66 Credit UnionSPIRE Credit UnionSpokane Teachers Credit UnionStaley Credit UnionStar Tech Federal Credit UnionStar USA Federal Credit UnionState Bank of ChiltonState Department Federal Credit UnionState Employees Credit Union of Maryland, Inc.State Highway Patrol Federal Credit UnionStatewide Federal Credit UnionStockman Bank of MontanaSummit Credit UnionSuncoast Credit UnionSunTrust BankSussex County Federal Credit UnionSynchrony BankTampa Bay Federal Credit UnionTCF National BankTech Credit UnionTechnology Credit UnionTennessee Valley Federal Credit UnionTexas Bank and TrustTexas Capital BankTexas First BankTexas Telcom Credit UnionThe American National Bank of TexasThe Bancorp BankThe Bank of Greene CountyThe First National Bank of OttawaThe Golden 1 Credit UnionThe Honesdale National BankThe National Bank & Trust Company of SycamoreThe Paducah Bank and Trust CompanyThe Summit Federal Credit UnionTomah Area Credit UnionTorrington Municipal & Teachers FCUTown and Country BankTransportation FCUTrona Valley Community Federal Credit UnionTrue North Federal Credit UnionTruMark Financial Credit UnionTucson Federal Credit UnionU.S. BankU-Mass Five College Federal Credit UnionUme Federal Credit UnionUncle Credit UnionUniBank For SavingsUnited Community BankUnited Federal Credit UnionUnited Nations Federal Credit UnionUnited Southern BankUniversity Credit UnionUniversity Federal Credit UnionUniversity First Federal CreditUniversity of Toledo Federal Credit UnionUS Community Credit UnionUSAAUSAlliance Federal Credit UnionUSF Federal Credit UnionUtah Federal Credit UnionUtah First Federal Credit UnionUtah Power Credit UnionVectrabank Colorado National AssociationVeridian Credit UnionVermont State Employees Credit UnionVons Employees Federal Credit UnionVyStar Credit UnionWanigas Credit UnionWashington Community FCUWeokie Credit UnionWescom Credit UnionWestmoreland Community Federal Credit UnionWings Financial Credit UnionWinthrop Area Federal Credit UnionWinthrop-University Hospital Employees Federal Credit UnionWood & Huston BankWright Patman Congressional Federal Credit UnionYolo Federal Credit UnionYork Educational FCUZia Credit UnionZions First National BankMasterCard also issued a statement on Apple Pay, though the company doesn’t provide a full list of supporting banks. The company also notes that more will be added in the next few months, so don’t worry if you don’t see yours listed here:BarclaycardUSAAPNCNavy Federal Credit UnionUS BankFifth ThirdFirst HawaiianFirst National Bank of OmahaFirst NiagaraKey BankSilicon Valley BankSSFCUSunTrustSynchrony Financial
这题，不成立，废了吧。
1、截至目前，国内已注册银行应该在1K+。2、金融业在没有彻底金融互联网金融时代前，一切经营都是靠物理网点的，也就是你所能见到的支行。3、一家网点的服务范围、业务种类、经营重点是有分别的，中国14亿人，单靠五大，你取一次钱排1万号算快的？4、中国国情，改革开发发展经济需要金融输血所以有了五大、支持特殊金融需求所以有了三大政策性银行、地方支持政治、经济发展需要所以有了一堆城信、农合（后来的城商行、区域性银行、农商行基本都是从这来的，一般来说还是自己养的好用，国家的级别太好不好说话），开放吸引外资+加入WTO开放金融进来一堆外资行，大型央企财团性质银行昆仑、珠海华润，13家国股是金融股份制改革的需求，邮政储蓄银行就不说了。5、金融市场是要有充分市场竞争的，按题主所说只有五家的话那中国金融垄断就是必然了。
先问是不是，再问为什么。。。以美国为例，银行业主要以bank of amrica, 大通，花旗等寡头竞争。这句不是事实，所以。。。
美国的银行远比中国的多。中国的满打满算叫银行的也就千多百家（知友提示，已过千）。跟美国在金融危机中倒闭的银行数量差不多。银行多还是少不是需不需要的问题，而是市场有没有这个需求的问题。市场需求包括政府需求和企业需求，老百姓的需求才不是考虑的重点呢！
所知不多，勉强解答一下。美国是否有地方性银行我不是特别清楚。就我比较熟悉的日本来说，有都市银行-地方银行（其中又有第一地方银行联盟和第二地方银行联盟）其中都银就是mega bank。特大银行，全国范围的都有支行，资本也很充足。这些银行大部分的业务，尤其贷出业务都面向大型企业，主要服务对象是特大企业及其子公司。那与之相对的，地方性银行就进行面对中小企业的小额贷款等等。（第二地方银行就进行更多的个人贷款以及自营业者的融资）现在大家都有一个共识，就是国企容易拿贷款而且有折扣，既然这没有错，那相对的小企业就难拿贷款，所以地方银行对此是一个补足。日本的情况是这样，我猜想中国也大体如此。补一句。。。我觉得各国银行数量上都不会少，只是不接触不知道罢了。