建设银行盘锦分行信用卡业务存在的问题及对策.docxVIP

摘要 随着我国经济的持续快速发展，人们的生活越来越好，使得人们传统的消费观念发 生了较大的改变，越来越多的人开始利用信用卡来满足自身的消费需求。信用卡消费模 式刺激了人们的消费欲望，让人们享受到了超前消费的乐趣。但随着信用卡发放数量的 不断增加，也同时产生了一系列超前消费所带来的后续问题。 信用卡业务是我国金融业务当中的一个重要组成部分，同时也是银行获得收入的一 个重要来源。在当前社会经济迅速发展的刺激之下，消费者的消费需求显著上涨，因此, 对于信用卡业务的需求也显著提升，这为推动信用卡业务的发展提供了充足的动力。虽 然银行信用卡业务的发展能够对人们的生活产生较大的影响，但是在信用卡发展过程当 中，也存在着很多的问题和缺陷，对信用卡业务的可持续发展产生了严重的威胁。本文 以建设银行盘锦分行为例，通过问卷调查的形式对使用建设银行盘锦分行信用卡消费的 居民进行了调查分析总结出了信用卡使用率低、产品与营销手段单一、员工服务水平低、 风险管理体系不完善等问题。针对这些问题，提出了相应的解决方案。 关键词：建设银行；盘锦分行；信用卡业务 Abstract With the sustained and rapid development of Chinas economy, peoples life is getting better and better, the income of residents is also increasing, peoples consumption concept is also changing, peoples consumption form has gradually changed from the traditional cash transaction mode to the new credit card consumption mode. The consumption mode of credit card stimulates peoples consumption desire and makes people enjoy the pleasure of consumption ahead of time. However, with the increasing number of credit cards issued, there are also a series of follow-up problems caused by advanced consumption. Credit card business is a new business in the development of financial business in China. With the steady improvement of the national social and economic level, the credit card business of the banking industry develops very quickly and has attracted much attention. Bank credit card has a great influence on peoples life, but there are still many problems in the development of bank credit card business. Taking Panjin branch of China Construction Bank as an example, this paper investigates and analyzes the residents who use the credit card of Panjin branch of China Construction Bank in the form of questionnaire, and sums up some problems, such as low utilization rate of credit card, single product and marketing means, low service level of employees, imperfect risk management system, etc. In view of these problems, the corresponding solutions are put forward. Key words: Bank for Economic Construction; Panjin