Abstract

Bank card credit payment instruments play a pivotal role in the financial industry, and bank card business is also one of the important business segments of commercial banks, but there is little current research in the academic community on the operational efficiency of China's bank card industry. Based on this background, this paper selects 12 large listed commercial banks in China as industry representatives to analyze the efficiency of bank card business operation, and finds that the efficiency varies greatly within the industry, and the return on net assets and business income ratio have a significant impact on the industry efficiency. Finally, according to the analysis results, the corresponding constructive suggestions are put forward to provide some mirrors for the development of bank card industry.