Research On Marketing Strategy Optimization Of Credit Card Business Of Xuzhou Rural Commercial Bank

Now,traditional financial products have become saturated,and commercial banks have lower reserves on deposit with the People’s Bank of China.At the same time,with the continuous development of economic society,the continuous change of residents’ lifestyle and the continuous renewal of payment channels,people have more channels and methods to buy products in the process of daily consumption.These environmental factors will undoubtedly bring favorable factors to commercial banks in the process of marketing credit card business.However,with the rapid development of Internet finance and the continuous renewal of third-party payment channels,commercial banks are still facing unprecedented difficulties and challenges.Commercial banks are beginning to think about how to establish reasonable and effective credit card marketing strategies in order to gain a firm foothold in the market,so that their credit card marketing business can grow and create more profit value.In xuzhou agribusiness market environment facing the bank credit card marketing,together with the present situation of credit card business development in xuzhou,this thesis revealed the xuzhou agri-businesses Banks in credit card marketing problems that exist in the process,adhering to the encountered problems,analyzing problems,solving problems,in the process of xuzhou agri-businesses bank credit card marketing specified and detailed analysis of the problems one by one.The SWOT analysis method is used to analyze the internal and external environment of xuzhou Rural Commercial Bank credit card market,and it is proposed that market segmentation should be carried out first,product innovation should be carried out by using the new technology level,and the quality of marketing service should be improved.Make diversification,differentiating price strategy.Through multi-channel publicity,expand the cross marketing and joint marketing of credit cards,enhance customer stickiness,and improve the brand awareness and identity of Xuzhou Rural Commercial Bank credit card in the hearts of customers.Create a credit card financial ecosystem with the help of a variety of promotional activities.At the same time,by means of questionnaire,the knowledge of credit card knowledge among people of different genders,ages,occupations and incomes in Xuzhou area,as well as the development of credit card business and marketing activities of Xuzhou Rural Commercial Bank are collected,and the differences of their different indicators on credit card selection are analyzed,and relevant conclusions are drawn.Help xuzhou Rural Commercial Bank in the credit card marketing work in a timely manner.Aiming at the problems of xuzhou Rural Commercial Bank’s credit card marketing target market is not clear,product types are not targeted,the quality of marketing service is not in place,the price strategy is not clear,the marketing channels are few,the promotion activities are not flexible and so on,the credit card marketing target market strategy and credit card marketing mix strategy are constructed.In addition,in the implementation of credit card marketing strategy safeguard measures,also introduced the need for science and technology to lead the development of marketing business,the construction of credit card business professional team,overall planning of business system construction needs,compliance marketing risk control these four measures for Xuzhou Rural Commercial Bank credit card marketing work escort.