特别关注

专题

　　11 工商银行 ：以创新提升民生服务水平/代 萍

　　14 龙卡借记卡 ：以功能和服务创新践行普惠金融

　　——访中国建设银行股份有限公司个人存款与投资部副总经理张敏/杜 娟

　　20 邮储银行 ：践行普惠理念 发力消费金融/代 萍

　　24 银联商务 ：服务社会，方便大众

　　——银联商务有限公司总裁李晓峰访谈/彭惠新

　　30 中国银联 ：创新便民服务 践行普惠金融

　　——访中国银联股份有限公司产品部总经理丁林润/杜 娟

热点

　　36 “信用卡发卡三十周年”系列活动在京启动/代 萍

业务管理

　　39 行业经济周期对信用卡信用风险的影响/苏 敏 刘 欣

　　45 商业银行“信用卡中心分拆”对估值的影响分析/杨 荣 张 玺

　　51 信用卡客户体验管理探讨/梁龙飞

金融 IC 卡

　　54 宁夏地区推进金融 IC 卡三类应用落地的实践与发展分析/冯建宝

　　56 永州市金融 IC 卡推广工作中存在的问题及建议/何英畏

支付创新

　　58 我国人民币跨境资金流动的现状、影响及对策建议/周立平

　　62 第三方支付机构金融自助终端盗刷风险分析及建议/郑 爽

金融论坛

　　64 运用资本管理杠杆撬动业务经营转型/邱祖良

　　68 备付金银行对支付机构客户备付金监督管理存在的问题及改进建议/郭 强

法律事务

　　70《民事诉讼法新司法解释》解读 ( 上 )/陈福录

　　74 上海市信用卡恶意透支诈骗案件审判现状剖析/陈晓鸣 邱 玥

乐享时光

旅游

　　80 加德满都掠影/董晓凌

文化漫谈

收藏

　　86 缠枝莲纹的青花缘

摄影

　　91 盛夏的荷花/张保军

行业资讯

　　94 工商银行推出工银大来爱购(I GO)信用卡 等

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CONTENTS

Special Report

Topic

　　11 ICBC: enhancing the level of public services by innovation

　　14 Dragon debit card: provide inclusive financial service by function and service innovation

　　20 PSBC: practicing inclusive financial concept, promoting consumer finance

　　24 CHINAUMS: service the community, facilitate the public

　　30 China UnionPay: innovative convenient services and practice inclusive finance

Hotpoint

　　36 Activities of “30th anniversary of the credit card “started in Beijing

Business Management

　　39 The impact of industry economic cycle on credit card credit risk

　　45 Analysis on the impact of the split of the credit card center of commercial banks on the valuation

　　51 Discussion on customer experience management of credit card

Financial IC card

　　54 Analysis of the practice and development of the three types application of financial IC card in Ningxia area

　　56 Problems and suggestions on the financial IC card promotion in Yongzhou

Payment Innovation

　　58 The current situation, influence and countermeasures of RMB cross-border capital flow in China

　　62 Analysis and suggestions for the financial self-service terminal fraud risks of the third party payment institution

Finance Forum

　　64 Leveraging the business transformation with capital management lever

　　68 Problems and improvement suggestions on the bank supervision of the customers’ provisions in payment institution

Legal Affairs

　　70 Interpretation of "the new judicial interpretation of Civil Procedure Law "

　　74 Analysis of the current situation of the credit card fraud cases in Shanghai

Leisure Time

Tourism

　　80 The glance of Kathmandu

Culture Essay

Collection

　　86 Blue and white porcelain styled in the motif of “lotus with twining creeping weed”

Photo

　　91 Lotus in midsummer

Industry News

　　94 ICBC launched I GO credit card, etc.