Analysis And Suggestion On Consumer Behavior Of Credit Card Holder In Dalian

Credit card, as an important modern financial products, with outstanding profitability and competition in the quality customers, strengthen customer relationship management, and other areas unique advantages as current banking competing input, the most intense competition for business areas. To the end of 2006, China will fully open foreign banks RMB business, and we hope that through the credit card market in China and the Dalian area of research and study, which offer some reasonable recommendations to the Dalian region of the credit card market and the development of the national credit card market benefit.This article is divided into four parts :1.The overall situation of credit card market in Dalian City1.1 Dalian status of the credit card market and the development processDalian now has 15 banks issuing the credit cards, bank cards Dalian are among the indicators used by the entire Northeast region, with rapid growth in the number of bank cards related Behind reflect Dalian public awareness and the use of cards with cards environmental improvements. In addition, effective in the area of card and two-card clients target contrast, Dalian are better than the national average.1.2 the main problems of Dalian bank card marketdespite Dalian bank card market has developed rapidly and the potential is huge, but the problem is obvious, a certain extent, Dalian bank card market problems is the National Bank card market widespread problem. (1) efficiency in the use of relatively low due to the issuing bank in the blind pursuit of quantity while ignoring contractual business market development, making the issue out of the use of credit cards in the absence of a good environment to support the use of card low frequency, or even a sleep cards. (2) networking and it backward, network terminals coverage inadequate. Dalian area ATM and POS terminals currently coverage inadequate, contributing businesses also exist irrational choices, consumers tend to shop in the consumer demand that can not record, or in the record shops can no need commodity. (3) The poor condition of profits, the profit space smaller compared with the same trade abroad, my bank card profit sources more monotonous, and because of the low prevalence and incidence rates, annual fees and interest credit card business is not high. Develop consumer markets, and expand the number of cardholders and merchants, the card issuing volume and turnover increase has to play the scale effect, increase bank profits. (4) the credit card market by the lack of scientific and rational, various credit card market positioning is unclear.1.3 Dalian credit card market prospects for the development(1) good macro environment for the development of banking and the entire...