The Agricultural Bank Of China's Bank Cards Product Innovation Research

With China's accession to the WTO and China's financial market reform is deepening, China's commercial banks in the bank card business will face a strong challenge from foreign banks. Have great potential for development; the bank card market will be pursued by foreign banks access to one of the objectives of profit, China's bank card business for the development of severe challenges and new opportunities, the domestic commercial banks to the banking card market awareness of the situation facing. How to accelerate the bank card pace of product innovation, grow their strength, improve core competitiveness, the market occupies an advantageous position in the competition, this is the main topic starting point.This paper closely with the Agricultural Bank of China's actual situation, occupy a reality on the basis of information taken with the theory expounded charts, comparison of the data with the analysis method, the Agricultural Bank of bank card development of product innovation, product innovation in bank cards, bank cards Product Innovation facing market environment and trends analysis, the Agricultural Bank of bank cards for product innovation and development strategy. This paper from the bank card products and the development of innovative products into the content, the first system into the classification of a bank card and several stages of development, put forward the concept of bank card products and the main types of research for the text of the conditions and the foundation. After the organizational structure and the Agricultural Bank portfolio overview, the banks that issue the cards. Then, the thesis of the Agricultural Bank of China's bank cards variety of products, operating systems, marketing systems, service concept for the innovative design and innovation for the information they need technical support and the external environment support in the corresponding recommendations.This paper's findings, the Agricultural Bank of China's bank cards business development has a direct role in guiding. At the same time, the paper of ideas and methods to other commercial banks, bank cards innovative design work also has a certain value.