The Research To Profit Model Of Credit Card In China

By the end of 2009, The number of credit card has exceeded 150 million in China, the credit card industry has been an important industry that relation to retail, credit system construction, financial environment, monetary management and many other important aspects of the economy. As an important credit products and terms of payment, the development of credit card industry will undoubtedly affect some deep economic elements, such as social effective demand, financial payment system, the construction of social credit system, consumption patterns and consumer psychological features, etc.At the same time, the bank pay more attention to the important role of credit card products in profit, the customer-accumulation, branding, and expand the credit card number by increasing resources and taking radical competition strategy. In the fierce competitive and changeable market environment, the problems of increasing cost and development difficulty and homogenization, yield decline gains. The first question to bank who want to survive is to choose a rational profit mode, so the profit model research will have very important theoretical value and practical significance. This article uses many findings of domestic and foreign experts and scholars mainly study this hard question.Major contents and opinions in the article include the following five part: first, introduce the status of credit card industry; in the second part, mainly introduce the basic theory in article; in the third part, introduce the main part of credit card revenue; the forth part is the key, analyze the mail influence factors of credit card profit, the fifth part of article will summary the article, and give advice about credit card profit model in China.