The Gaining Capability Research About The Deyang T Branch Of ICBC

The credit card is the product of finace innovarion. It first showed up in America, and then got internationd popularity .In china,the credit card industry is at the beginning and just one of the numbers finace service of business bank.The inner department or sub-institution of bank take charge of its business.Banks apply the result-efficiency mode mechanically to evaluate the credit card business,but it's can't show the special operation principle of credit card operation mechanism and set a scientific and perfect math-mode which can scale the capability of credit card to gain interest.The Deyang T Branch of china industrial & commercial bank is the afterworld of Peony-card Department of Deyang Branch of China. Industrial & commercial Bank which was found in 1992, and renamed to T Branch in 2002. The branch is an integrative part of operation & manage which do business in professional operation of Peony-caredit-card and be credit card commercial department of Deyang Branch of China Industrial &commercial Bank.The Branch had been in red from the foundation to 2001,but start to gain interest in 2002.In this article, the Scale-mode of American credit card gaining capability was used to analyse and research the capability of the card of T Branch with main point to find problems, to get right manage direction, and to provide academic support for increasing the gainning capability of the branch.There are four part in this article.Section I ,the introduction of credit card industy .It introduced the beginning, the reason of high speed development, the situation of devdlopment in china.Section II, analyze of gainning capability of T branch. First, the article introduced the basic situation in detail of T branch especially the management situation in 2003.Then,introduced the Scale-mode of gainning capability of American credit card.The soul of the mode is the very reference part of all credit institution of banks in China.That is,when scale the capability we should divideit into tow parts:the issue bank and collect bank.After that,it scaled the manage sitation in 2003 seperatedly with the mode which shown that,at policy in China today,the issue bank got well insterest,but the collect banks lost much,and analysed the reason of got and lost.Section III,research of management stratagem to increase higher capability and to maximize benefit. First,used SWOT to analyse the manage evironment of T branch; Second, according to the chance and superiority, threat and inferior position, analysed how to expand the issue business; Third, analysed how to control risk and to keep stable management; At last, for the cllect market, provided new idea of main in consolidating and careful in deweloping new matket.Section IV, researche of management. Pointed to the problems in credit card industry in china, discussed the policy of government and the center bank in macroscopical control.