Credit Card Business Development Strategy Of Postal Savings Bank Of China Heilongjiang Branch

Credit card is to maintain customers, improve customer quality, improverevenue structure, the image of commercial banks to establish an important toolto enhance their level of development of any future development of a commercialbank are critical.2011Postal Savings branch in Heilongjiang Province is a newstarting point credit standing, facing new tasks, grasp new business critical year.As a critical period of development of postal savings credit card, along withfurther deepening the reform of postal savings banks, Heilongjiang branch from astrategic high level of awareness to the need for the development and importanceof credit card business.In this paper, the status of domestic and international credit card business tostart, by which stage of development of postal savings branches in Heilongjiang,geographical characteristics and the competitive position of research on thePostal Savings branch in Heilongjiang Province and the development of thecredit card business environment is analyzed. Pointed out that the postal savingsbank credit card business in the application into pieces of poor quality, illegalintermediaries false credit card applications, institutional and other problems interms of credit card marketing, and to root of the problem were analyzed. Tosolve these problems, based on postal savings in line with long-termdevelopment of the credit card business idea, put forward the optimizationprocess into pieces of strict quality, strengthen management to prevent the illicitbrokering of false applications, credit cards and improve the marketing systemset up branch offices to enhance the marketing capabilities4aspects of thecountermeasures and suggestions.Reflect the credit card business to carry out China Postal Savings Bankbranch in Heilongjiang Province’s overall competitiveness, I hope this canHeilongjiang Branch gave a credit card business development efforts shouldfurther enhance the postal savings bank credit card business competitiveness,Postal Savings branch in Heilongjiang to promote the credit card business togrow, to mature.