Research On Credit Card Marketing Strategy For T Branch Of Postal Savings Bank

At present,China’s economic structure has entered a new journey of high-quality development.The economic structure has been continuously optimized,and household consumption is gradually becoming an important industry driving GDP.COVID-19 outbreak worldwide in 2020,in the key stage of fighting the spread of the epidemic,China proposed the development domestic circulation is given priority to,the domestic market circulation is complementary binary new development strategy,as the core strength in the field of consumer finance credit card business,are faced with important development opportunities,gradually become commercial Banks competitive business products direction.PSBC although started late,but since the credit card products,business development rapidly,but in recent years,in the face of increasingly fierce competition in the financial innovation,the Internet financial impact to the traditional financial industry,improve the width and depth of the regulatory and internal pressure increasing,the comprehensive risk management into the era of outbreaks in complex environment,such as credit card business market to be open.This paper takes the credit card related business of T Branch of PSBC as the research object.First of all,combined with the historical background,development history,structure and personnel distribution,business development in recent years,business income composition and other situations,the present situation of credit card business of T Branch is systematically described.Secondly,SWOT matrix model analysis the whole situation of post office bank T branch and external environment,the marketing problem for marketing staff interviews and a questionnaire survey was conducted in an effort to have card customers,on the basis of further concrete analysis to find the marketing strategy of problem,the bank of more fully to find a post office,T branch credit card business marketing a series of existing problems and causes,Combined with STP theory system and 7Ps marketing strategy,this paper puts forward the improvement measures of the current credit card business marketing strategy of T branch of PSBC.Finally,according to the current actual situation,the positive guarantee measures are put forward to ensure the smooth implementation of various marketing strategy improvement schemes,so as to ensure the smooth development of PSBC branch credit card business marketing.