(一)中国信用卡市场现状据央行统计分析,从2003年国内信用卡起步至今,每年的发卡量均增长80%以上。2004年我国银行卡产业呈现爆发性增长态势,全年新增发卡机构43家,发卡机构累计152家,全部加入银联网络;新增发卡量1.13亿张,同比增长17.4%,发卡量累计7.63亿。 (I) Current Situation of China’s Credit Card Market According to the statistics of the Central Bank, since the start of domestic credit cards in 2003 up to now, the annual issuance of cards has increased by more than 80%. In 2004, the banking card industry in our country showed an explosive growth with 43 card issuing institutions and 152 card issuing institutions newly added in the year, all of which joined the CUP network. The number of newly issued card issuers was 113 million, an increase of 17.4% over the same period of the previous year with a total of 763 million card issuers .