Research On Credit Card Business Development Strategy Of Jinlin Branch,Postal Savings Bank Of China

Credit card is a "unsecured and unsecured" payment tool.It has the functions of consumption,credit,settlement and so on.It can recycle the amount within a certain amount,first consume and then repay.China's credit card business is fiercely competitive,and the market structure is basically stable.The credit card services of every bank have their own characteristics,but there are still many problems in operation,marketing,corporate governance,risk control,and strategic direction.Jinlin Branch,Postal Savings Bank of China was established in Jan.2008,and the branch's Credit Card business was begun in 2008.The Credit Card business of Jinlin Branch,PSBC,which is developing from nothing,and expanding from small to big size,is far behind other commercial banks so far and plays a part as market followers owing to a low share in Credit Cards' marketing in Jinlin Province.Although drawing lessons from commercial banks at home and abroad,Jinlin Branch of PSBC has hidden troubles such as insufficient channel construction,weak competitiveness in Credit Card Business and so on.Based on the introduction of the postal savings in Jilin Province branch of the credit card business development,business capacity and support for the sustainable development of resources,a comprehensive analysis of its internal and external environment,systematic analysis the internal strengths and weaknesses and external opportunities and threats by using SWOT analysis,in addition to the use of matrix analysis,combined with its strategic development goals and the status of the industry,put forward strategic measures for the credit card business of postal branch in Jilin Province,in order to help the development of business in the credit card field,and provide a reference for the development of similar enterprises.