如何推广信卡业务业实训.doc

How to popularize this credit card business in middle class？ 如何在中产阶级中推广这项信用卡业务 1.创建一个研究的计划，包括主要数据的收集（大概是调查的方式和数据的来源问题） 2.分析这些数据，得出必要的结论（如何解决这一问题的结论 对这个丹麦公司的介绍the introduce of Denmarks biggest bank? Denmarks biggest bank, Dansk Bank, will cut 2,000 jobs as part of a three-year savings programmer, it said on Tuesday as it posted a surprise third-quarter net loss amid poor global economic growth.上网搜大概介绍一下，标明数据的出处 现阶段中国的信用卡市场的状况At the present stage the credit card of market in china The credit card industry in China is developed late than western countries; the development strategy in china is relatively simple. There’s large amount of credit card, but activate rate is very low. 我国信用卡行业比起西方发达国家来说起步晚，发展战略相对简单。信用卡的发卡量大，但是激活率低 近几年中国的信用 所以我们需要开办一种适合中国市场的信用卡，这样才有发展的空间 So we should launch a kind of credit card which is suitable for maket 中国中产阶级某些独特的制度特征　　30岁左右的年轻群体为主take the age of 30 youngas the principal group.　　对政治的参与缺乏热情　　缺乏资本主义社会普遍存在的代际继承特征 中产阶层的忧虑 The anxiety of middle class 忧虑：Anxiety 对淘汰尤为恐惧，不论在生理、年龄上，还是在心理、知识上。追求创新。 Be afraid of fall into disuse, whatever in physiology, age, or knowledge. Chase innovates. 我们需要根据中产阶级的消费心理推行适合他们的卡We should pursue a suitable card according to the consumption psychology in middle class 中产阶层的消费心理 Consumption psychology of middle class Integrated the characteristics of the middle class in china, Consumption demand and attitude toward work, finally summarizes the conclusion. 综合中国中层阶级的特征、消费需求、工作态度、忧虑、及消费热衷总结一下几点： 1. Consumption of experience. 1、消费经验的积累 2.In the consumer orientation more focus on the advice of experts.2、在消费取向上更专注专家的建议 3.Because of the quickly life and stress in modern life ,people look for a simplify way to consumption.3、由于生活节奏的加快以及生活压力的加大，购物的时间在缩短，消费的方式力求简化。 4. High-end consumer. Sometimes they need some petty loan, so the credit card will have the market. 5、中产阶层的消费类型属于淡漠购物的高档消费型 中产阶级的消费者有不同的消费观念，我们需要根据他们不同的消费观念和消费习惯来设立不同的信用卡，从而在中产阶级中占取一个较大的市场。 Middle class consumers have a differ