Report On Bank Card Business Of X Bank

With the rapid development of economy, constantly improvement of people’s living standards, the acceptance environment of bank card has been greatly improved, the bank card payment has gradually replaced the traditional method of payment, and has become the most important personal payment. Bank card business has achieved great development and become a new growth point of the financial industry, the development of bank card business has an important impact on the development of a bank. X Bank,as a city commercial bank have the most outlets in G province, has a geographical advantage and is closely related to the local economy, and its contribution to local economic development has become increasingly prominent. In this paper, the bank card business of X bank as a research object, in order to be able to provide advice to draw on its future of bank card business, to better promote the development of X Bank.X bank cards only includes debit cards and business cards, and bank card business of Bank X studied in this paper is mainly targeted at X bank debit cards.Firstly, through the research background and purpose, research meaning and research description of the content to determine the feasibility of the thesis. Then run from the architecture, the issuing as well as transactions of the bank card business in X Bank, to analyze the current development status of its bank cards. Again, through the questionnaires form to research the demand conditions of the bank card business of X Bank, including sample card case、card habit、card demand、non-X bank samples acceptance to its card and X bank samples satisfaction to its card. Combined with the development and market demand conditions, summed up its existing problems on product development level, accepting environmental level, the marketing level and the level of risk controlling. Finally, put forward some specific measures to promote the further development of the bank card business of X Bank, such as rich product range、innovative product features, improve bank card acceptance environment, optimizing marketing strategies and the strengthening of the bank card bank card risk prevention strategies.