The Research On Strategy Of Credit Card Business Development Of Bank Of Dalian

At present the credit card business has become an indispensable financial tool in consumption field. With the continued development of the global economy, and the widely used of computer and communications technology, as well as the continuous improvement of the quality of people's lives, credit card gradually developed into a set of financial instrument which can deposit or withdraw cash, transfer settlement, consumer goods, cycle credit.As China's financial markets opened to foreign investment at the end of 2006, industry competition becomes more and more fiercely, the traditional deposit and loan business has been difficult to bring long-term stability profit to banks. Facing such pressure, banks have no choice but strive to explore and develop new profit growth point meeting market demands; as a result, credit card business has become one of the key businesses of modern commercial bank. Credit card business becomes an important means of competition among banks for its high profit return characteristics. In order to obtain high profits, each bank have increased fund embarking ability to credit card business. Therefore, the research on strategy of credit card business development for banks such as Bank of Dalian, a city-based commercial bank with weak relative strength, has great practical significance.This paper chooses credit card business development of Bank of Dalian containing four parts. The first part is the introduction, mainly introducing the research background, significance as well as research summary of this topic. The second part is an overview of the theory of credit cards. The third part focused on the development status of credit card of Bank of Dalian, then pointing out the main problems existing in the process of the credit card business development. Such as product homogeneity, abound sleep cards, market positioning, marketing channels, risk management systems and so on. The fourth part puts up some referential advice and measures according to the problems of credit card business development facing by Bank of Dalian.Features lie in two aspects:on the one hand, combine theoretical analysis and practical demonstration to demonstrate the problems and difficulties arising in the process of credit card development of Bank of Dalian systematically. On the other hand, the paper combines the credit card marketing experience of good western banks and market conditions of Bank of Dalian. Propose some referential advice and measures according to the problems, hoping that through such measures like credit card market position, multi-channel marketing strategy, the strengthening of risk management to promote the credit card business development of Bank of Dalian.