The establishment and improvement of personal credit system is the most touching. Personal credit system and credit card are definitely closely related. As far as I know, college students generally don't know enough about personal credit system.

7. What other questions have not been clarified by yourself and not discussed in depth in the paper?

The industry management system and system of the credit card market are really unclear. For example, it is not clear how the overdraft interest rate, minimum repayment ratio and overdraft limit of credit cards are stipulated and implemented by banks. In addition, we don't know enough about which indicators banks actually use as necessary indicators.

8. What is the main basis for making an argument when writing a paper?

The credit card market for college students has not started for a long time, and there are opportunities in its development, but it also encounters many bottlenecks. As a sunrise industry, it is imperative to develop, and the credit card market for college students urgently needs to find the right direction and achieve rapid development.

9. What is the innovation of the paper?

The innovation of this paper lies in discussing the development of college students' credit card market not only from the perspective of banks and college students, but also from the perspective of colleges and universities. The promotion of college students' credit card business is a commercial behavior. When it encounters a bottleneck, the school is certainly not responsible, but both banks and college students can cooperate with the school to solve this problem.

10, what are the shortcomings of the paper?

I think the shortcomings are probably in two aspects:

First, there are many suggestions on the optimization strategy of college students' credit card market, but all aspects are not detailed enough, and there is no emphasis and biased discussion on the innovation of this paper.

Secondly, this paper adopts the research methods of literature analysis and comparison, but some unique methods of finance are not used enough. Among the main research methods, such as empirical analysis, normative analysis, mathematical economic model analysis, econometric model analysis, case analysis and institutional analysis, only case analysis is involved, and not much is involved.

The above is Bian Xiao's sharing of common questions in the defense of financial management professional papers. I hope it will be helpful to all senior friends. If you want to know more about graduation thesis, please pay attention to this platform.