经济学人: 中国信用卡市场或大力发展
Summary: Citi bank becomes the first foreign bank to issue credit cards in China independently.
总结：花旗银行成为首家获准独立开展信用卡业务的外国银行。
HINTS:
Citibank
Hong Kong's Bank of East Asia
January
Orient Securities Company
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Last year your correspondent visited one of Citibank's few branches in mainland China, hoping, among other things, to get a local credit card. The reply was unexpected. "Sorry, sir, but we are not very good in China. I recommend you go to another bank."
Assuming such honesty has not already cost him his job, the teller has a better story now. This week Citibank became the first Western bank to receive regulatory approval to issue credit cards in its own name; previously, foreign banks - Hong Kong's Bank of East Asia was the exception - could offer cards only through local partners. Citi has been expanding its retail network in China, including in novel places like airports and tube stations. In January it also announced it would set up a joint venture with China's Orient Securities Company.
Is good news for Citi also manna for others? Some note that China's official policy is to encourage consumption and wonder if the announcement suggests a desire to expand the domestic credit card market in a big way.去年，记者去了一家大陆的花旗银行分行（数量很少），本来还想办一张他们银行在大陆的信用卡，结果得到的答案出乎意料。“很抱歉，先生，不过我们在中国的信用卡业务不是很好。我建议你去其他银行。”
姑且认为那位柜员没有因为如此实诚而丢了饭碗，他现在可以很有底气地说另一番话了。本周，花旗银行成为首家获得监管许可，独立发行信用卡的西方银行。在此之前，除了香港的东亚银行以外，其他外国银行都只能与国内银行合作联合发卡。花旗已经在中国逐步扩大零售网点，包括新涉足的机场和地铁站。一月份，花旗宣布将会与中国东方证券有限公司联手建立合资企业。
花旗的喜事对其他银行来说是不是也是琼浆玉露呢？有人指出中国政府采取措施刺激消费，并且怀疑这次的获准意味着政府有意大力推动国内信用卡市场。
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