| In recent years,the market pattern of financial retail industry has changed constantly,and the development focus of retail business of commercial Banks has been shifted from the scale of previous years to profits.In various retail products,due to the high income of credit card,and the proportion of revenue increased year by year,it has become an important channel source of profits.Since its establishment nearly 30 years ago,bank of communications Heilongjiang branch has successfully marketed its products and gained a leading position in the industry by relying on the correct guidance.However,how to maintain the competitive advantage of products in the fierce market environment has become the urgent task of long-term stable and efficient development of bank of communications credit card.In 2013,credit card online application mode(Network Application for Credit Card)jn bank of communications was launched nationwide.The new marketing model has received reviews from customers and has tapped into potential customers.But because its development time is shorter,compared with some economically developed provinces,and Heilongjiang province marketing ability is weak,the branch there is still a large room for improvement in terms of business development.Combining with working practice,through consulting a large number of data,documents,collected some trade data,and based on the authors experience working in bank of communications in Heilongjiang province for many years,the current situation of Heilongjiang province branch of bank of communications credit card network card has carried on the brief introduction.At the same time,in view of the present some potential problems in the Heilongjiang province branch,this article from the system,process,capacity,product illustrates four aspects,and explains the causes.In terms of development strategy,this article from the network card process,improve the system of internal management system,improve the network card ability three aspects one by one analysis,puts forward the development strategy of my suggestion,finally through two aspects of talent,service guarantee measures are put forward.Hope combined with the actual situation of Heilongjiang province branch of bank of communications,through to the Heilongjiang province branch of bank of communications credit card network card development strategy research,effective optimization of Heilongjiang province branch of bank of communications credit card business development model,and improve overall level of the retail business development bank of communications in Heilongjiang province. |
