交通银行的发展历史？
具有113年历史的交通银行，是红色金融的亲身实践者。回首来时路，交通银行改革发展的实践，为中国经济发展和金融改革做出了重要的贡献。
回溯历史，交通银行始建于1908年，是中国历史最悠久的银行之一， 也是近代中国的发钞行之一，在近代中国金融史上占有重要地位。而在新中国成立后，在党的领导下，交行走过了接收改编、重组开业和改革发展的历史进程。
新中国成立初期，百废待兴，交行经过接管整顿，过渡到一家专业化的银行。通过履行在这一时期的特殊使命，交行以社会主义新型银行的身份，在社会主义改造时期发挥了不可替代的作用。据交通银行发展研究部资深专家周昆平介绍，新中国建立后，确立了全新的金融体系，人民政府对交通银行接管清理与整编复业，确定了交通银行经营工矿、交通事业长期信用业务的专业银行定位，开始服务于人民建设事业。
1978年党的十一届三中全会，翻开了改革开放的伟大篇章。为顺应经济社会发展趋势，充分发挥银行在国民经济中的作用，1986年7月，国务院批准重新组建交通银行。1987年4月1日，重组后的交行正式对外营业。“交通银行的重组成为了上海经济崛起的起点，也寄托着中国金融体制改革的希望。”周昆平说。
值得注意的是，2001年12月11日，中国正式成为世界贸易组织（WTO）成员，金融业按照《服务贸易总协定》基本原则和金融服务协议要求逐步开放，我国银行业面临的机遇和挑战随之而来。2002年起，交通银行开展了以完善公司治理结构、业务流程、风险管理系统、信息技术系统和激励约束机制五大系统为核心的“交通银行整体再造工程”，建立新的组织架构和制度，实施“三个步骤、两个内容”战略，并开始引资工作。
“经历了漫长而又艰辛的整体改造和改革探索，2003年7月，在明确国家银行业改革的初步思路后，交通银行逐渐摸索出一套全面而务实的市场化整体改革方案，即具有标本价值的‘财务重组—引资—上市’三部曲。这套改革方案直接推动了一种新的改革模式的生成，也成为其他国有银行改革的模板。”周昆平说。2005年6月23日，交通银行以205倍超额认购成功登陆H股，成为中国银行业境外上市的第一股。2007年5月，交通银行在上海证券交易所成功上市，正式完成两地上市。
2008年以后，中国银行业的生存环境急剧变化，为了求得持久的生存与发展，交通银行以“走国际化、综合化道路，建设以财富管理为特色的一流公众持股银行集团”为发展战略，谋求战略转型。2015年6月，交通银行深化改革方案得到国务院批复，再次拉开了中国银行业新一轮改革的序幕。
如今的交行，A股市值已超3600亿元，集团业务范围涵盖商业银行、证券、信托、金融租赁、基金管理、保险、离岸金融服务等，在分业经营后陆续成立了交银国际、交银保险、交银施罗德、交银租赁、交银康联等子公司。海外机构横跨亚欧美澳四大洲，形成了“一体两翼”的基本架构，并在近17个国家和地区设立了23家境外分（子）行及代表处。
雄关漫道真如铁，而今迈步从头越。如今，站在两个一百年的历史交汇点上，交行正肩负金融报国的责任，持续为服务实体经济和社会民生贡献自己的力量。交行将坚守战略定力，围绕“建设具有财富管理特色和全球竞争力的世界一流银行”战略愿景，锻长板、补短板，全力擘画“十四五”高质量发展新篇章。
一、如何查询信用卡历史账单明细？
步骤/方式1
首先，打开手机中的银行APP，点击信用卡
步骤/方式2
进入信用卡界面，
步骤/方式3
在打开的账单界面中即可查看信用卡账单明细
二、到2013年,国人对信用卡从一无是处到现在的无所不知,已经…
是的
三、信用卡的发展历程英语作文
as mentioned in an early article, there are two types of credit cards: secured and unsecured. this article will explore some of the issues of secured credit cards.what is a secured credit card?a secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. the minimum amount usually ranges between \(200 and \)500 but this will vary from one company to another. your deposit is considered your security and some card issuers will even allow the deposit to earn interest. the amount that you deposit into the account is your credit limit. you should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.a secured credit card is not a debit card. this is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.who should consider using secured credit cards?if you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. many young people who are just starting out may choose this as an option.if you have bad credit, you may wish to use a secured credit card to help you improve your credit score. in addition, a secured credit card may be the only source you will have for obtaining a credit card. there are some transactions that require the use of a credit card. this might include car rentals or hotel reservations. if you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card. what to look for in a secured credit card:interest rate: do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.fees: pay close attention to any fees that will be charged to you or to your account once it is opened. there are some companies that will charge ridiculously high fees that will reduce your initial deposit before you even use the card. stay away from those companies. look for companies that have no fees whatsoever or for those companies that charge a small one-time fee to set up the account. annual fees for attractive secured cards typically range from \(20-\)35. scams: it is sad to say that there are companies out there who are in the business of ripping people off. they prey on the vulnerability of those who may be in a credit crunch. some of the things they do include promises of getting you “quick credit” for a price. another popular scam is to ask you to call a 900 phone number for “secrets” to getting a credit card or credit repair. your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.the best advice to avoid secured credit card scams is that if it sounds too good to be true it is. use your common sense and do not be taken by these crooks.credit improvement issues: even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. you have to be patient when repairing bad credit. you also have to be smart. make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. not all companies report and if they do not report you are simply wasting your time.keep in mind that they will also report your bad payment history if you do not pay on time. be careful and make your payments on time each and every month.
