| As a new type of credit card payment tool,it is gradually changing people’s consumption habit, In recent years, the rapid popularization of credit card so that the Chinese consumer payment and consumption behavior changes. One is the revolving credit credit card payment function and residents can raise the cardholder will, to reduce social transaction cost, to create a more efficient payment environment; two is the credit card with consumer finance credit function, can be expected incremental revenue cardholder purchasing in advance into real consumption, to stimulate consumption, stimulating consumption and promoting the growth of GDP plays an important role, international, credit card consumption as an important basis for forecast the consumer confidence index. Just a few years time, the credit card used by the payment and settlement, the first microfinance development to build consumer credit financing platform, general online credit card have penetrated into traffic fines and confiscated money withheld, fiscal sunshine pay, military security, social security and other social public management field, and the universal network continuously enrich the connotation.Credit card business is an important source of profit for the international first-class commercial banks. The international market, has matured into the stable development period, the domestic credit card industry, credit card market is in rapid development stage, the competition between banks is becoming increasingly fierce. At present domestic issue a credit card has cost more than120yuan, or even higher, the domestic bank will bet on the credit card "will earn tomorrow.".To wait until the credit card really bring profit, must wait until the credit card to play that day scale utility, but the market competition also can not let all of the issuing bank to become the final winner. The banks is a capital and vision of the contest to vigorously into the credit card business. The credit card market has broad prospects, compatibility and extensive development, greatly at present, the banks have to increase credit card product innovation, customer development, marketing efforts, competition in the credit card market from the "Happy Valley enclosure" into the customer "intensive cultivation".The economic environment of Gansu province is relatively backward, the internal and external environment on the development of the credit card market is a restriction, but on the other hand things, backward market gestates development space, in the face of increasingly white-hot market competition situation, by virtue of their competitiveness has become a credit card market is the construction Bank Gansu branch must face the problem.This paper analyzed the development situation of Gansu Province, the credit card business, the credit enhancement for Gansu branch of China Construction Bank card market competitiveness of business put forward countermeasures from seven aspects. |
