The Service Innovation Study Of Our Banks’ Credit Card Business

The credit card as payment tool and credit voucher, is economic development,science and technology progress and an important symbol of social civilization. Witheconomic growth and geographical environment improvement, in recent years,domestic credit card market growth momentum rapidly. With the credit card marketgradually into mature, consumers to credit card understanding and the understandingis likewise tend to be rational, credit card market increasingly fierce competition,because both state-owned commercial Banks, or the city commercial Banks, includingjoint stock commercial, foreign capital bank and many other financial institutionshave been preempted the field highlands. How to develop their own credit cardbusiness development strategy, in order to make their individual can be in the fiercecompetitive environment emerge as the commercial Banks have to solve the problem.This article from the credit card business service type and the types of serviceinnovation, this paper discusses our country commercial bank credit card businessservice the significance of innovation and necessity. Later, built on our countrycommercial bank credit card business based on the analysis of the present situation,this paper explores the current our country commercial bank credit card serviceproblems and restrict our country commercial bank credit card business developmentof factors, and draw lessons from foreign commercial bank credit card businessservice innovation measures, puts forward the our country commercial bank creditcard business service innovation strategy, mainly divided into two levels: a formmicrocosmic Angle, perfecting the innovation strategy including product strategy, riskmanagement, marketing strategy, profit strategy and the function of the servicestrategy innovation; From the macroscopic Angle, innovation measures such asstrengthening analysis of personal credit registry system construction, constructionand improve the credit card related laws and regulations, and increase the credit cardbusiness support.Finally, the author of the agricultural bank branches province for credit cardbusiness service innovation case analysis, from the bank credit card business serviceinnovation products and move two aspects to empirical research and summarizing,think the police support, the technical implementation, risk management, product design and marketing is the bank further improve the credit card business serviceinnovation development direction.