信用卡相关知识中英文版，信用卡相关知识中英文版书籍？

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本文快速导读目录：

1、求一份关于“中国信用卡业务风险与防范”的中英文双语对照文章
2、哪位高人能提供一篇关于信用卡的中英文对照文章
3、一篇关于信用卡的英文文章

求一份关于“中国信用卡业务风险与防范”的中英文双语对照文章

信用卡产业是传统金融业务与现代信息技术有机结合的新兴产业,在国际上已经发展成为一个庞大的产业体系,并且保持着较高的增长速度。真正意义上的国际标准信用卡自2003年在内地获得了快速发展,发卡量从2003年初的100多万张猛增至2003年底的400万张。目前,我国信用卡发卡量已突破2000万张,发展势头良好。信用卡的消费信贷功能在解决持卡人临时资金短缺、提高即时购买力、满足大众消费信贷需要等方面有着得天独厚的优势。近几年来,内地信用卡业务的外部发展环境逐渐完善,“金卡”、“金网”工程建设加快,银行卡商户受理范围逐步扩大,政府相继出台扶持内地银行卡产业的相关政策,并加大了对信用卡犯罪的打击力度,人民银行牵头启动的个人征信体系也已逐步投入使用。发展信用卡产业有利于调整和改善银行资产结构。信用卡业务是国外大型商业银行的主要盈利来源之一,净资产回报率普遍高出传统信贷业务一倍以上,获利空间巨大。因此,内地商业银行应大力发展信用卡业务。相对于传统银行业务,信用卡业务具有高成长、高盈利、客户群体庞大、发展前景广阔的特点。

The credit card industry is the traditional financial services and modern IT organic combination of emerging industries in the international community has developed into a large industrial system, and maintained a high growth rate. In the Mainland since 2003, the international standard credit card in the true sense of the rapid development of card volume jumped from more than 100 million in early 2003 to the end of 2003, 4 million. At present, the amount of credit card issuer in China has exceeded 20 million, a good momentum of development. Credit card consumer credit function has a unique advantage to solve the cardholder temporary shortage of funds to improve the immediate purchasing power to meet the credit needs of mass consumption. In recent years, the external environment for the development of the credit card business in the Mainland is the gradual improvement of the "Gold Card", "Golden Web" project to speed up gradually expand the scope of bank card merchant acceptance, the Government have been introduced to support the relevant policies of the bank card industry in the Mainland, and add great efforts to crack down on credit card crime, the lead started by the people's Bank personal credit information system has been gradually put into use. Development of the credit card industry has to adjust and improve the structure of bank assets. Credit card business is the main source of profit for foreign large commercial banks, the net return on assets is generally higher than traditional credit business more than doubled, huge profit margins. Therefore, the Mainland commercial banks should vigorously develop the credit card business. As opp.o.s ed to traditional banking services, credit card business with high growth, high profitability, a large customer base and broad development prospects.

哪位高人能提供一篇关于信用卡的中英文对照文章

PAYMENT FORM FOR CREDIT CARD

为支付会议费用信用卡相关知识中英文版，信用卡相关知识中英文版我愿意用以下信用卡支付：□ Visa信用卡 □ 美国运通卡 □ 万事达卡（信用卡用人民币支付并且将在卡中扣除4%的手续费）

I would like to make the payment for the conference by □ Visa □ American Express □ Master Card （payment by Credit Cards will be charged in RMB and 4% service fee more will be charged by banks from your card）

信用卡号码：有效期限：

信用卡用户名：

Credit Card No.： Expiry Date：

Name on Card：

我同意从我信用卡中向CAS的国际科学交流中心支付[ ]美元，并由中国银行附加4%的手续费。我已经随信寄出我信用卡双面的清晰复印件。

I consent to the Center for International Scientific Exchanges， CAS debiting my credit card account with the amount of US$ [ ] and the Bank of China is to charge 4% service fee in addition to this amount. I have also sent a clear copy of both sides of the credit card to you along with this form.

签名： [ ] （应和信用卡上名字一致）

Signature： [ ] （should be the same with that on the card）

日期：

Date

注：

以上是由[ ]博士支付Note：

The payment above is made for Dr. [ ]

通讯地址：[ ]女士

国际科学交流中心，CAS

ICEC20秘书处

中国北京三立和路52号，邮编：100864

电话：[ ]信用卡相关知识中英文版；

传真：[ ]

电子邮件：[ ] Correspondence：

Ms. [ ] Center for International Scientific Exchanges， CAS

Secretariat of ICEC20 52

Sanlihe Rd.， Beijing 100864， China

Tel： [ ]；

Fax： [ ]

Email： [ ]

一篇关于信用卡的英文文章

Credit Card Cash Advance Pitfalls

Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all p.o.s sible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

* Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources

信用卡相关知识中英文版，信用卡相关知识中英文版书籍？