特别关注

  9强化银银合作，构建普惠金融新生态 沈卫裕

  11银银合力筑生态，赋能小微促“稳保” 程 峰

  17关于银银合作的新思考 董希淼 李林鸿

专栏

  21央行数字货币影响几何？ 薛洪言

  24从消费复苏看金融科技企业的发展新方向 马近朱

信用卡运营

  26推进数字化经营和生态场景构建 加速信用卡业务转型 申勇健 曾茜茜

  32信用卡套现衍生的欺诈风险及防控对策 房倩倩 刘 元

支付研究

  37嘉峪关市农村支付环境建设情况调查 郭 静

法律事务

  40维护商业银行债权的路径选择及对策

      ——基于实现担保物权程序与强制执行公证程序的比较 任永青

  45实现担保物权特别程序在信用卡汽车分期业务中的运用 肖 旺

金融论坛

  50互联网消费贷的商业模式和市场格局分析 王 剑 田维韦

  57关于运用“普惠金融服务站”推动普惠型业务发展的思考

  ——基于铅山农商银行的实践总结 陈 萍 乐 锋

  62浅谈ROC曲线在交易员职业能力评价中的应用 陈若贤 王疏艳

  67涉及地下钱庄业务的银行外汇违规行为研究 李迎春

  71英国拉斐尔银行外包处罚事件分析及启示 苏如飞

文化漫谈

  74工商银行早期高校联名信用卡概述 张震天

乐享时光

  82“醉美”秋色

  ——无人机视角下的呼伦贝尔秋色 张 栋

财经要闻

  86国家统计局：前三季度经济增长由负转正 等

行业资讯

  88以卡为媒，共创未来

  ——2020后疫情时代信用卡产业变革与发展交流会成功召开

  92特征变量数据挖掘技术助力信用卡业务智慧决策 崔嘉桐

  94工商银行成功直联跨境金融区块链服务平台 等

Special Report

  9 Strengthen the bank-bank cooperation and build a new ecology of inclusive finance

  11 Banks cooperate to build ecology and empower small and micro enterprises to promote “priority and stability”

  17 New thinking on bank-bank cooperation

Special Column

  21 The impact of the central bank digital currency

  24 The Consumption Recovery VS FinTechs’ New Road

Credit Card Operation

  26 Promoting digital business and ecological scene construction to accelerate credit card business transformation

  32 Fraud risks derived from cashing out by credit card and countermeasures

Payment Research

  37 Investigation of rural payment environment construction in Jiayuguan

Legal Affairs

  40 The path selection and countermeasures of maintaining commercial bank’s creditor’s rights

  ——Based on the comparison between the procedures for realizing security rights and the procedures for compulsory execution of notarization

  45 The application of special procedures for the realization of security property right in the auto installment business of credit card

Finance Forum

  50 Analysis of the business model and market pattern of internet consumer loans

  57 Thoughts on promoting inclusive business development through “Inclusive Financial Service Station”

  ——Based on the practice summary of Yanshan Rural Commercial Bank

  62 Application of ROC curve in the evaluation of traders’ professional competence

  67 Research on bank foreign exchange violation behavior involving underground bank business

  71 Analysis and enlightenment of the outsourcing penalty event of Raphaels Bank

Culture Essay

  74 Overview of ICBC’s early college joint credit card

Leisure Time

  82 The charm of autumn

Economic News

  86 National Bureau of Statistics of China:economic growth of the first three quarters shifted from negative to positive,etc.

Industry News

  88 The Credit Card Industry Reform and Development Exchange Conference in the Post-epidemic Era (2020) was held successfully

  92 Characteristic variable data mining technology helps smart decision making of credit card business

  94 ICBC successfully connected to the Cross-border Financial Blockchain Service Platform,etc.