The Industrial And Commercial Bank Of China Branch Of Jilin Province Credit Card Issuance Quality Evaluation And Research

Credit card as a set of consumption, settlement, the credit function in the integration of electronic payment tool, has become more and more people daily life indispensable financial instruments. Credit card business also has become a commercial bank is one of the most important profit growth point of commercial Banks, become houses one of the key development potential business. But along with the rapid development of the credit card industry and hairpin scale, the species, consumption is constantly increasing, heavy size, light quality and cause card issuer of the low quality reality is also a problem commercial bank credit card business development bottleneck.The INDUSTRIAL AND COMMERCIAL BANK OF CHINA branches of center of credit card of jilin province in recent years simple notice hairpin scale and the market share of the blind expansion process, also appeared in a series of problems on the phenomenon. Caused the commercial bank branches of jilin province high credit card, credit card stock bad-debt rate target customer base structure unreasonable, unclear, dynamic card rate low and so on credit-card issuing quality status.INDUSTRIAL AND COMMERCIAL BANK OF CHINA branches of jilin province based on the present situation of credit card business, the paper from actual conditions, the objective reveals the current credit card issued to the quality of the status quo, and the card issuer quality objective evaluation. While the quality of affecting hairpin legal environment, credit environment, and assessment method and the applicant credit card issuer evaluation index of the influence of various factors on the quality of the system analysis, reasoning, and advances some improving measures and Suggestions. Through this paper demonstration and analysis, will enable the jilin branch sales more systematic and scientific understanding of the credit card business that belong to the whole situation and development trend, thus better able to grasp and adjust the current credit card business management strategies to promote the overall quality administration credit card business is very real ascension is of great significance.