Study On XY Bank Jining Branch Credit Card Business Profitability Upgrade

In 2002,China began to issue the first credit card,after the credit card on the basis of a variety of business needs for different customers,more than 10 years credit card in the domestic development trend has been very good,but with the economic growth into the new normal,The financial industry has also been affected,the credit card business operation and management of the lack of gradually appear,and some commercial banks credit card business is often low profit,or even profit.As of the end of 2016,China's credit card credit funds amounted to 4.57 trillion yuan,the amount required to repay is 4.028 billion yuan,the amount of repayment in 2010 increased by 23.94%.Although the total number of credit cards in our country is in the leading position in the world,but the profit situation has not reached the world average level,in the domestic lack of research on the subject of the current situation,this paper chooses the JN branch of the credit card business profitability research is important Theoretical and practical significance.In this paper,the profitability of the credit bank business of the Bank of Jining Branch is taken as the object of study,and the profitability of the XY Bank Jining Branch is analyzed from the perspective of scale economy and cost and benefit by using the literature method,the case method and the questionnaire survey method.And the cost,income and risk of the credit business of the Bank of Jining Branch are analyzed and analyzed by using the questionnaire method.The paper analyzes the existing problems Bank Jining Branch credit card profitability improvement strategy is to establish and improve the personal credit system,select the appropriate credit card business model for our country,customer-oriented,looking for industry innovation,pay attention to the credit card business risk prevention.This study will make an in-depth study on the profitability of the credit card business of the Bank of Jining Branch.The research results can make the Jining Branch of XY Bank accurately grasp the profitability of its own credit card business and recognize the main factors that affect the profitability of credit card business in Jining Branch.The results can be used directly for the Jining branch,is conducive to further enhance the XY Bank Jining branch credit card business profitability.At the same time,this study has further enriched the relevant theoretical system,laying a certain theoretical foundation for the future research on credit card profitability,and also provides a strong reference for other banks to enhance their credit card business profitability.