Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller pro...Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller proportion of total bank income. By means of credit card revenue／cost structure analysis, the authors found spending and overdraft balances affecting credit card business, an important factor in profitability. At the same time, combined with a commercial bank＇s existing statistical data, using SPSS software correlation and regression analysis, the authors found that the key to improve the bank card revenue is to raise China＇s commercial banks, credit card revolving credit utilization, and expand the scale of overdraft balances.展开更多
In this article we explored the crystal structure of a few pearls and shellfish's shell of fresh water and sea water, and found that pearls and nacreous layer (perhaps and prismatic layer) of shells are all the sa...In this article we explored the crystal structure of a few pearls and shellfish's shell of fresh water and sea water, and found that pearls and nacreous layer (perhaps and prismatic layer) of shells are all the same: CaCO3, orthorhombic system, aragonite structure and the value of lattice spacings are almost identical. This shows that the pearls of fresh water and sea water are all the same in nature.展开更多
文摘Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller proportion of total bank income. By means of credit card revenue／cost structure analysis, the authors found spending and overdraft balances affecting credit card business, an important factor in profitability. At the same time, combined with a commercial bank＇s existing statistical data, using SPSS software correlation and regression analysis, the authors found that the key to improve the bank card revenue is to raise China＇s commercial banks, credit card revolving credit utilization, and expand the scale of overdraft balances.
基金The project supported by National Natural Science Foundation of China(NSFC)
文摘In this article we explored the crystal structure of a few pearls and shellfish's shell of fresh water and sea water, and found that pearls and nacreous layer (perhaps and prismatic layer) of shells are all the same: CaCO3, orthorhombic system, aragonite structure and the value of lattice spacings are almost identical. This shows that the pearls of fresh water and sea water are all the same in nature.
