中文摘要：

考虑信用卡市场普遍存在的消费者偏好差异和资信差异问题，将借贷模型与Hotelling模型相结合，分析了两种差异对商业银行信用卡市场竞争的影响．分析表明：在全国统一的征信体系尚未建立，各商业银行缺乏信用卡运作经验的情况下，我国商业银行信用卡市场的竞争行为是对理性竞争的偏离，管制者应该加强对信用卡市场的监管，有效防范由于信用卡过度竞争造成的信用风险，以防韩国信用卡危机的发生。

英文摘要：

Allowing for the diversity taste and different credit qualification of consumers, we establishes a model based on lending model and Hotelling model, and analyzes the strategic choice of commercial bank in Credit card markets using the model. We show that the competition behaviors of banks have deviated from rational way whten there is no unity credit qualification system and banks lack experience to operate credit card. Regulators should pay more attention to credit card markets and keep from credit crisis which have happened in South Korea.