| With the rapid development of change in traditional business model, life, financial mode and the mobile Internet, the credit card industry of China maintain the good momentum of steady development and there has been consistent growth in business scale. The condition of consumer economy, interconnection technology and policy system are ripe enough, the influence of credit card industry market have further increased. The credit card industry in China have made great contributions to the society in the economy, it also faces many difficult industry environment governance, product innovation, risk management, regulatory and challenges at the same time. Credit card is a comprehensive platform of personal financial business, in the current commercial banks to implement the two transformation environment, the commercial banks have to adjust the credit card business development strategy in order to occupy the market share more. With the domestic credit card issuing volume continued to increase, the issuer has accumulated a considerable number of customers, the credit card business started by the scale of competition into the quality competition.Many business of rural credit cooperatives are facing new financial ecological circle, they must change according to the situation. The analysis of the current situation and problems of credit of rural credit cooperatives in Yunnan province card business development, through the literature analysis, data analysis, the advantages, disadvantages, opportunities and threats facing to. Thinking about how to foster strengths and circumvent weaknesses, chased from one industry to become the creator and lead to a new format. Through the establishment of innovation and development, comprehensive development, sustainable development concept, to break the traditional business model of development, constantly thinking about the problem of rural credit cooperatives and the gap between the commercial bank business; constantly thinking about traditional and modern finance, the "new financial" integration.At last, by determining the marketing target and market segmentation of credit, rural credit cooperatives in Yunnan province card business marketing strategy choice, provide marketing decision-making basis for the rural credit cooperatives in Yunnan province credit card business using detailed product strategy, price strategy, channel strategy, promotion strategy. And provide reference for the same type of provincial rural credit agency, find the way to carry on the market localization to find suitable for their own business marketing plan. To improve the economic benefits of rural credit cooperatives and rural credit cooperatives, ensure the credit card business to survive and develop in the market, increase the bank card has a strong reference business income... |
