Bank Product Design Of Campus Financial Package

With the bank financial products continuously enriched and continuous mining on the demand of university finance, more and more financial products go into the aspects of Campus life. Campus card greatly facilitated the student in the school life, the school also convenient for students’ management;The Bank launched overseas financial products to meet the financial needs of students abroad;Design of constellation cards, cartoon card character card, it caters to students like fashion personality preferences, continuously occupied the student market;But at the same time, college students market also has great potential,developing the students’market development is also related to the bank in the next few years. Through the internship in the industrial and Commercial Bank Chinese, The author has a more comprehensive understanding of banking products and service mode, at the same time, through the investigation of the college teachers and students visited to understand its appeal, on the basis of the existing financial products in the industry for the innovation of college teachers and students, the more satisfactory financial products.The1CBC "campus" products package service to college students, meet the personalized needs of students as the main entry point, divided into "student","I love my teacher","harmonious campus" three big modules,"Series of products by the student", to provide personalized customised card business, students with a lower starting point financial business, venture fund plan, tourism fund accounts financial services, love students, in-depth student life, by providing convenience for students, training students on the industrial and commercial bank brand loyalty,At the same time set "harmonious campus","I love my teacher" two series of products,"harmonious campus" to provide credit support, to provide insurance services, account settlement service, provided the pool of funds business of campus construction, non termination pay function based on campus card system, realize the canteen to buy food, consumer payment campus application the function realization, non attendance and the safety management of student dormitory, classrooms, campus access control access control based on the campus card, campus card transfer function to realize the prepaid card model based on financing function, build bank Internet platform for the school, to facilitate the collection of tuition fees and grants, scholarships through the card issuing etc.."I love my teacher" mainly for college teachers, personal loans, financial services, wealth advisers and other financial services to its, to provide comprehensive financial products for schools and teachers,The two complement each other, as the two point open the market, achieve embedded marketing of ICBC products. At the same time, the design scheme of industrial and commercial Banking Company, the Department, Department, the transportation junction department, the "campus" products as the exclusive, professional, comprehensive financial products for the setting of colleges and universities.In this paper, the writing is divided into five parts, The first chapter introduces the basic concepts and theory; the second chapter is the market research, through the questionnaire survey, literature review and other methods of qualitative and quantitative analysis of the financial market, the college financial market growth and demand gap and financial services vacancy characteristics; the third chapter introduced in detail the product; fourth chapter in the assessment of the risks and benefits of comprehensive products on campus through the comprehensive assessment; the fifth chapter analyzes the feasibility of products, respectively, from the three aspects of policy, system, technology research; the sixth chapter is the promotion products, using the classical4P theory put forward the marketing scheme of campus.The seventh chapter written withdrawal mechanism of products, the products were further improved.