Research On Issuing And Operating Of The New Joint Credit Card Business Model

Economic globalization and financial integration intensified competition in the banking industry as the most important retail banking, credit card services need to adapt to the times of the marketing. Credit cards in China has broad market prospects, in particular, joint credit cards are growing in recent years, a bank product, but is facing an unprecedented opportunity for development, scientific advance bank credit card marketing business development is essential. Firstly, the essence of the joint credit card with a deep analysis, analysis of the current credit card market demand, described the credit card business of commercial banks in joint homogenization of the serious situation and risks; Then the radio media, and China CITIC Bank CITIC to develop joint credit--- card listener rather wide, for example, from competitors, partners, potential customers and existing customers to conduct field investigations of these four angles to obtain first-hand information, through to the data processing analysis, and Concludes with a new credit card business model development of new ideas.Regular joint credit card credit card marketing business model is an agreement and commodities dealers, so the cardholder during the consumption of time, not only can enjoy the excellent financial services, and companies can enjoy the special preferential treatment. Research in this paper is based on the new joint credit card business model specific populations, combined with banks for financial services marketing. Joint credit card issued by a common problem is how to ensure the effective number of credit card issuers, this article focuses on the use of radio media resources to find high-quality, targeted, target customers, and joint cooperative banks, merchants and the development of good credit card environment, maximize risk reducation and, ultimately, the entire project a success.