银行信用卡作为一种新型的信用工具，以其能为持卡人提供消费、信贷、储蓄、结算等高效率、多功能综合服务的特点，受到国内各界的普遍欢迎，银行信用卡的发卡量和交易额逐年增长。但是，它作一种银行新业务，在发展过程中还存在以下几个问题，亟待研究解决。问题一、各专业银? As a new type of credit instrument, bank credit card is universally welcomed by all walks of life due to its high efficiency and multi-functional comprehensive service such as consumption, credit, saving and settlement for cardholders, credit card issuance and transaction The amount of growth year by year. However, as a new bank business, there are still some problems in the process of development which are urgently needed to be studied and solved. First, the professional silver?