中文摘要：

大量存在的＂睡眠卡＂不仅占据了大量的银行资源,造成了巨大的浪费,而且还容易造成持卡人的信用污点。目前,我国消费者持卡消费的意识较低,商业银行则为了拓展市场而片面追求发卡数量的增加。解决这一问题的关键在于,提升银行卡的管理品质,扩大银行自身对应的签约商户的种类与数量,建立科学、合理、均衡的信用卡营销激励机制。

英文摘要：

The existing of large quantities of sleeping cards not only takes up a lot of banks＇ resources,but also causes a great waste because of the cost.Simultaneously,it bears the possibility of giving the card owners a bad credit records.Currently,the notion of consuming with credit cards＇ not being widely spread in our country,together with the commercial banks＇ unilateral pursuit of a high issued volume in order to expand their market contribute to the credit cards＇ high sleeping rate.The key to solving the problem is to improve the quality of the credit cards＇ management,expanding the number of the shops signed up to the bank and establish a scientific adequate and balanced sale system of the credit cards.To finding out an efficient way of solving the problem of the credit cards＇ high sleeping rate,multilateral support and cooperation are expected.