zg银行cg支行信用卡业务发展策略研究word论文.docxVIP

AbstractCredit card, which comes from USA, is an indispensible financial tool in the field of credit consumption. Since Guangdong development bank issued the first real sense of the credit card of China in 1995, commercial bank had experienced a long start and exploration stage in developing credit card business. In recent years, with the increasing of continuous economy development and residents income, the circulation of credit card in China increased year by year, and also the proportion of consumption is growing. Facing the new situation, many commercial banks invest much more experience and capital in the credit card business. China Unionpay which established in 2002 boosted China’s development of the credit card industry. And China’s credit card industry showed an accelerated development trend, also the competition between each card issuers grew increasingly fierce.Chinas financial market opened to the foreign investment at the end of 2006, and the foreign banks and outside issuers also used a variety of ways to enter the Chinese market, thus lead to a fiercely competition of the industry. Facing with the competitive pressure, commercial banks can only make great efforts to explore and develop new profit growth point that adapts to the market demand. As a result, credit card business has become one of the important development businesses of modern commercial bank. Credit card business becomes an important means of banking competition for its lucrative return characteristics. To get a high profit, the banks increase money in credit card business one after another. How to choose a development strategy is a realistic and urgent subject for the issuing banks in the new market circumstance. Therefore, credit card business development countermeasures have a great realistic significance, especially for these relatively weak strength urban commercial banks like the bank of China changge branch.The credit card business of the bank of China changge branch is the researc