Credit Card Network Marketing Differentiation Strategy Research Of Jinan Branch Of Agricultural Bank Of China

With the rapid development of Internet banking, the competition of credit cards among banks is fierce, the credit card business is being challenged.The traditional marketing model and marketing ideas has suffered tremendously, credit card business of connotative development pattern into a period of development relying on network transformation innovation.Credit Cards as a petty consumer credit products, higher public awareness and acceptance of credit cards,credit card marketing is essentially based credit card as a carrier to provide efficient and quality services, thereby increasing customer satisfaction and customer loyalty.Credit card business is still in the expansion period, so the major commercial banks are issuing war fierce competition.Currently credit card product homogeneity phenomenon is serious, which led to a credit card marketing of brand differentiation and constantly improve the marketing innovation demands.The major commercial banks have very large competitive pressure in the traditional credit card marketing,in order to win in the competition, they need to learn from the successful experience of the current financial development of Internet, combined with the characteristics of the current era of big data, comply with the vigorous development of Internet banking trend, the use of the product, price, channels, promotion and other strategies, to meet customer demand for convenience, providing fine service, increase customer satisfaction.Credit card network marketing model has the following advantages:increase brand awareness, improve brand competitiveness; simplified credit card application procedures, improve efficiency and reduce costs; quick and easy, without the time and place limits; to create and deliver high-quality services more efficient for customers.The author researches by reading a lot of the credit card business literature, taking the basis of the current success of the Internet finance,combining the situation of credit card business in the Agricultural Bank of Jinan Branch, find out Credit Card network marketing experience and disadvantages, and by using the principle of the marketing theory through the PEST and SWOT analysis method, the Agricultural Bank credit card problems and issues exist in the network marketing and other aspects of the reason analysis, put forward credit card network marketing differentiation strategy research of Jinan branch of Agricultural bank of China. By introduce the Agricultural Bank credit card network marketing presentation, influencing factors, evaluation methods, and institution, team and personnel requirements and assessment system, promote the Agricultural Bank of network marketing model construction and improvement.Credit card network marketing differentiation strategy research of Jinan branch of Agricultural bank of China is based on the market segments, different target market, customer-oriented, highlighting individual customers, to provide targeted products and services marketing.They have different product strategies, pricing strategies, place strategies and promotion strategies for the different customer characteristic.We hope this paper by studying credit card network marketing differentiation strategy research of Jinan branch of Agricultural bank of China, to solve problems existing in the development of credit card business, to provide a reference value and facilitating significance.