| The credit card took emerging financial electron currency, which has developed already quite mature in overseas, and develops into one kind of important expense payment settlement tool, also is recognized as nearly 100 for many years lives to the humanity one of most influential ten big products. The counter-view home, the credit card still belonged to the sunrise industry, in moves towards the mature stage from the growth the development time, the area level of development not balanced, the operation management mechanism ossifies extremely, the market localization and the customer segmentation flaw, as well as in the market marketing "the short board" the question also appears day by day. This article take the Guizhou Zunyi as the market background, bases in carries on the real diagnosis analysis to the industry and commercial bank Zunyi Branch's credit card development present situation, and unifies the existence the key question to have pointed proposes the following solution countermeasure: The first, under the buyers' market environment, sends the card bank to have to strengthen to own product performance promotion optimization obtains the bigger comparison superiority; The second, regarding the homogeneous greatly strengthened credit card product, must highlight in the marketing the strategy innovation and the effective application, the rejection low efficiency competition strategy; The third, sends the card bank to have to enlarge the financial resources data mining technology research and development dynamics, speeds up the credit card PCRM relational database construction to realize the fine accurate marketing; The forth, we must speed up the construction bank-business cooperation "double win" the credit card receipt system, establishes the credit card "the non-core" outside the service the package of management pattern, implements the cost to be in the lead well optimizes with the resources, realizes the true marketability operation. |
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