Credit card business is an important intermediary business for banks to increase their profit sources. In the profit structure of banks, credit card business income accounts for an important proportion and has become one of the important business varieties of China's banking industry. Since Bank of China 1985 launched the first credit card, after more than ten years of depression, the credit card business has developed rapidly in recent years, and the credit card circulation has been increasing. By the end of 2009, Chinese banks had issued a total of 2,065,943,700 bank cards, up by 14.8% year-on-year, and the growth rate decreased by 5.2%. Among them, debit cards 188038.8 1 10,000, accounting for 9 1.0% of the bank card circulation, up 13.4% year-on-year, and the growth rate dropped by 4.2 percentage points; The number of credit cards issued was 185555600, up 30.4% year-on-year, and the growth rate dropped by 27.3%. By the end of 2009, the growth rate of bank card issuance slowed down, and the proportion of credit cards in bank cards further increased. At the end of 2009, the ratio of debit card issuance to credit card issuance was 10. 13: 1.