"Community Home" Series Of Bank Card Product Design Promotion Platform For Community Banks

"Community home" card series is a set of bank cards specially designed for community bank.Along with the deepening development of urbanization process, urban residents in our country’s standard of living has been improved. They are also continuously put forward new requirements for financial demand. The banking of our country also exist very big shortage in innovation.Community Banks as a new management pattern should implement differentiation development path through innovative products.This product service a unit for home to promotion platform for community Banks, accurate positioning, with "community home" as the theme.To solve the millions of elderly people and teenagers in the use and application of the existing problems in the process of bank card.The community bank provides home card to the main source of income for a family in.Home card in addition to have regular debit card functions such as cash, transfer, online payment and other functions, also has the function of consumption pay, family finance and investment.The most distinctive function of the home card is the "home loan" function.Bank through continuous supervision of home card, can provide customers with a certain amount of consumer loans.Home card customers can through the family main account management system to realize the scientific and reasonable consumption and investment.Although there are some Banks provide the old cards, but there’s no one bank providing older cards associated with other family members of the bank card management.This product includes a happiness card which is specially designed for the including the financial management function,convenient payment function and service function of elderly characteristics.The bank provides services through the cooperation with enterprises of medical enterprises to provide services for the problems of the elderly people.This is not only to expand the bank customer groups, increasing bank earnings.to a certain extent, it can improve old people’s happiness index.It also can reflect social service purpose of the bank.Leisurely card is specially designed for children. Not only a new theme, the function module is complete, it is more important to cultivate the children’s sense of finance since the childhood, to form the correct consumption concept and the concept of financial management.Providing personalized products and services for the community residents is aimed to provide better service to the community residents and medium-sized enterprises.The market positioning is clear and accurate, and is helpful to in-depth understanding of the market in the first time.Community Banks from financial services provider in the community became a member of the community.And on the basis of market segmentation, by dropping the differentiation, populist products, complementary and traditional bank marketing, improve the competitiveness.