Research On The Credit Card Business Management In ZS Bank

The credit card business in recent years showed rapid expansion of development potential in our country. Subsequently also had many problems, caused widespread concern in society, and becomes the financial sector, the legal profession had to discuss research. However, in the second and third tier cities, or some of the older people on the so-called credit card is still relatively unknown. Interestingly, the first-tier cities where a lot of credit card smattering of older people are keen to apply for a credit card of bank, the reason is when apply for the credit cards is able to get all kinds of welcome gifts, although not using the credit card, there will not affect access to the welcome gifts. Banks to attract new customers in the credit card business investment and publicity is clearly heavier than the debit card business scale. Why do banks believe that there is a large proportion of open credit card customers will choose to use it really as some scholars said Credit cards are the devil tempt you?Credit card industry credit system operation and development of commodity trading, financial environment maintenance, order management, and other aspects of the circulation of money has a great influence. In this paper, the domestic credit card market system as the research background, depth development and social effects of the credit card industry, comprehensively expounded China economy to promote a positive contribution to the value of the credit card industry and other areas. Meanwhile, joint-stock commercial bank in the bank credit card ZS Case Study for detailed analysis.Credit money, produce and promote the use of credit payment instruments increased the total social and economic needs, expanding financial markets, the establishment of a social credit system, B2B or B2C consumption growth in a series of complex, multi-level intersection economic factors. This paper focuses on the development of the credit card business banking problems started ZS quality research. Summarize the reasons for the success of ZS Bank, pointed out the shortcomings of its development process and problems, revealing the quality of the current status of credit card issuers, and proposed improvement measures and recommendations. For the present study ZS bank or credit card business very rich, but are mostly separate study on the business, only from the abstract aspects of the credit card function, use, quantity, brand, etc. to analyze consumer attitudes are not actually contact the social and economic environment provide research reports and other conditions, such as the study of the development of modern credit card "chip card of bank applications and impede" such is still quite scarce.Banking business credit card business is an important source of profit, are important areas of domestic and foreign banks compete. Development of the credit card market is still a lot of space, and ZS bank credit card has a keen sense of touch, get up early under the earlier case, refresh the record in recent years, the market share leader, ZS bank is undoubtedly a successful commercial bank credit card business model, however, significant increase in business volume, while the NPL ratio also rose immediately. The actual writing of this article will analyze the reasons for the success of ZS bank credit cards, as well as competition, and risks associated with its face.