特别关注

专题

　　11 以市场化为导向 促进银行卡收单业务持续健康发展

　　——访中国人民银行支付结算司副司长樊爽文/崔艳红

　　17 规范银联卡受理 开启产业合作新局面/黄建军

　　19 抓住机遇 打造收单业务核心竞争力

　　——访中国农业银行股份有限公司信用卡中心总经理张立林/彭惠新

　　24 支付机构收单业务规范前行/崔艳红

　　27 银行卡收单业务监管新规解读/陈福录

业务管理

　　30 多余额成分功能对信用卡业务的意义/丁 勇

　　32 从信用卡术语看中外用卡差异/兰璟露

　　34 信用卡“微客服”业务发展探析/姜 钧 姜 波

精准营销

　　36 特惠商户管理对信用卡经营的影响研究/黎子文

　　40 信用卡优惠的那些事儿

　　——最受关注的品牌和商户/王 江

个人金融

　　41 金融IC 卡非接商圈建设中的问题及建议/王爱民 张晓锋

　　44 金融IC 卡在新型农村社会养老保险领域的应用/吴德胜马近朱

支付创新

　　50 互联网金融的新兴商业模式/孙 浩

　　55 对第三方支付机构开展NFC 手机支付业务的思考/马近朱

法律事务

　　60 对《人民银行法》在基层人民银行履职实践中有关问题的思考/陈 钧

金融论坛

　　65 关于中资银行开展海外并购的探讨/张晓青

　　69 新型单位结算账户卡业务存在的问题及建议/王粤海 许井荣

理财广场

　　72 取消贷款利率下限对我国金融市场的影响/范 杰 叶林峰

　　76 利率市场化推动银行理财创新/曾韵佼

乐享时光

旅游

　　78 玩转美国大峡谷/王 曦

　　82 喀纳斯，遗落天边的梦境/闫海清

文化漫谈

影评

　　88《侏罗纪公园》3D ：电影需要想象力/林 格

行业资讯

　　92 工商银行在北美推出首张银联信用卡 等

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Contents

Special Report

Topic

　　11 Promoting the sustainable and healthy development of bank card acquiring business by market-orientation policy

　　17 Regulate UnionPay card acquiring business,Open the new prospects of industrial cooperation

　　19 Seize the opportunity to create the core competitiveness of acquiring business

　　24 The third-party payment’s acquiring business go ahead in the specification

　　27 Reading the new regulations about bank card acquiring business

Business Management

　　30 The significance of multi-component balance function on the credit card business

　　32 Differences between Chinese and foreign card from the view of credit card terms

　　34 Analysis on credit card “Micro Customer Service”business development

Precision Marketing

　　36 Research on the impact of special merchant management on the credit card operation

　　40 Something about credit card bonus

Personal Finance

　　41 Problems and suggestions of financial IC card non-contact circle construction

　　44 Financial IC card application of new-type rural social endowment insurance field

Payment Innovation

　　50 The emerging business model of Internet Finance

　　55 Reflections on third-party payment companies to launch NFC mobile payment services

Legal Affairs

　　60 Thinking about the problems of “Law of PRC on the People’s Bank of China” in basic central bank performance practice

Finance Forum

　　65 Study on Chinese banks overseas M&A

　　69 Suggestions and problems existed in the new type company settlement account card business

Fortune Plaza

　　72 Impacts of cancellation of lending rates lower limit on the financial market

　　76 Interest rate marketing will promote innovation of bank financial products

Leisure Time

Tourism

　　78 Travelling in the Grand Canyon

　　82 Kanas, the lost dream on the horizon

　　Culture Essay

Movies

　　88 Jurassic Park 3D: movie requires imagination

Industry News

　　92 ICBC launched the first China UnionPay credit card in North America,etc.