近年来，各大商业银行之间的业务竞争愈演愈烈，信用卡业务作为传统的商业银行资产业务，也迎来了巨大的挑战。在市场日趋饱和的形势下，推出信用卡资产证券化业务，成为当前各大商业银行创新信用卡业务的新思路。基于此，本文首先介绍商业银行信用卡资产证券化业务的发展背景及现状，并指出其发展中存在的问题，而后给出相应对策。

关键词：商业银行、信用卡、资产证券化

In recent years, business competition among major commercial banks has intensified, and credit card business as a traditional commercial bank asset business has also faced huge challenges. With the increasingly saturated market, the launch of credit card asset securitization business has become a new idea for major commercial banks to innovate in credit card business. Based on this, this article first introduces the development background and status quo of the credit card asset securitization business of commercial banks, and points out the problems in its development, and then gives corresponding countermeasures.

Keywords: Commercial Bank, Credit Card, Asset Securitization