The Research Of Consumption Credit Development In China Construction Bank Of Guangzhou

In recent years,the consumption credit develops rapidly,form multi-variety of consumption credit system,housing loan is mainly.Especially since 2006,the consumption credit has already come into "a period of startup" in China.In Guangdong region consumption credit of China Construction Bank develop well.Compare with that,there is still evident disparity for Guangzhou China Construction Bank(GCCB for short) on personal consumption credit.With demand of market and developmental pressure of bank,higher request has been put forward for consumption credit of GCCB.On the basis of consumption credit theory,together with situation of development and interior environment,find out the existent problem and risk in consumption credit of GCCB.Use a great deal of authority data,the paper analyze the current development of consumption credit practice and restricted factor in Guangzhou region.The paper also analyze the characteristic of industry and the foreground of market of consumption credit in Guangzhou region.There will be rapid increase,which has huge potential and prodigious market.Finally,base on the analysis on SWOT of developmental strategy in GCCB,the paper suggests the tactic that increase-model and defence-model is mainly tactic,and torsion-model and attack-model act assist.Use "STP" marketing tactic and study development tactic for consumption credit of GCCB.The paper suggests farther strategy and take relevant measures to avoid the risks of the developmental consumption credit,and serial developmental advise.