The City Commercial Bank Credit Card Customer Management

Credit card is an important earning facility, as well as an important value symbol. It is the concentrate of the bank' s management level,IT ability and service rank. A successful bank must have a series of banking cards, Recently,especially after the year of 2003 ,credit card has becoming more and more popular in china.Most banks take their bests to enlarge the circulation of credit card.Foreign banks also take the first step to develop the credit card as their expansion into Chinese market,because credit cards are of rich profit and do not depend on branches of banks.Customers should be regarded as an important resource of banks, and suitable service strategies shall be adopted to improve the core competitiveness of banks and make gains to the largest extent. Customer Relationship Management(CRM),as the result of the development of information technology,has been the focus of enterprises'attention.It can provide customers'data and related data analysis , he1ping enterprises make full use of customer data to make business decision.This paper discusses relevant concepts of the customer relationship,introduces the definition and content of the customer relationship management as well as the importance of IT as a support tool for the CRM.This article is divided into five chapters.The first chapter introduces the aspects of the contents.It is necessary for the city of commerce bank to develop the credit cards.The second chapter includes three aspects of contents. the first aspect introduces the basic concept and the character of the credit cards;The second aspect analogies the status of credit market in china .as we known, the requirement is huge .the third aspect describes the advantage of develop credit cards from four aspects: the income,the capacity of the market,the orientation of the city bank and the opportunity for the city...