| With the developing of network, the market of credit card develops rapidly and growth of domestic credit card business of commercial banks increasingly permeate our daily lives, to promote the Chinese credit card industry profits are expected on the market is gradually increased. But now, the profitability of credit card business of Chinese banks is still low, only a few numbers of issuers have profit. What profit pattern can improve the profitability of credit business is the focus of the commercial banks in China. In this paper, by comparing and studying the current profit patterns and profit levels, we discuss the difficulties of credit card business for the banks in China, and we give a strategy to deal with these problems.This article has done the following work: firstly, we introduce the topics of the role and significance, literature review, research contents and methods, and innovation of the article; secondly, we describe the theoretical basis of commercial bank credit card; thirdly, the history and status of credit card business; fourthly, we study the profit pattern of credit card business for commercial banks of China, and use the data of credit card from China Merchants Bank to compare with our indictors; fifthly, we analysis the profit pattern of foreign credit card, and discuss the optimization strategy of the profit pattern of the commercial banks.Through the analysis, this article argues that:to enhance the domestic commercial bank credit card profitability, first of all, the commercial bank credit card to establish a practical profit pattern, in order to solve these fundamentally difficulties, rather than just stay at the surface level; secondly, the commercial bank credit card to establish to imitate profit pattern, that is to implement differentiation strategy, through the establishment of their own out of the ordinary, raise to enter the industry threshold, so as to ensure the profit source is inviolable; finally, the commercial bank credit card to establish to provide innovative profit pattern, this kind of innovation can either provide additional value; either makes customers with lower prices for the same benefits, or use the same price to gain more benefits. |
