Study On Development The Situation And Countermeasures Of Commercial Bank Credit Card

Since2005, Since the credit card market successfully, as of July2013,a total of37205pieces of creditaccount, line of credit total amount has reached5.5binllion yuan, income reached7440000yuan. Urumqicity commercial bank credit card development has made remarkable achievements, but there are manyproblems in the development process, influences and restricts the development of the credit card business,the author through the analysis of the operation data of Urumqi commercial bank credit card, the bankexecutives conducted interviews, conducted a telephone survey of credit card customers, the the followingresults:(1)The Urumqi commercial bank credit card development status: Urumqi commercial bank credit cardpublished since2005, as of2013July, a total of opening37205, the total number of22368, the utilizationrate61%, activated30660, the activation rate of84%; as of the first half of2013, Urumqi commercial bankloan total amount has reached550770000yuan; by2013July, Urumqi commercial bank credit card totalincome7440000yuan; by the end of2013July, by3221households, by6810000, after3period of29households,240000overdraft overdue overdue for4period,15households, overdraw overdue overdue5stage250000,177households,4200000overdraft overdue. Overdraft amount to about78130000, normal71310000overdrawn, non normal3370000, bad overdraft3450000. Investigation shows that, in theUrumqi credit card users, male credit card user’s proportion is61.6%, the proportion of women is38.4%;25～29years old credit card user ratio to41.5%, the data show that25to29years old, young people havebecome the main credit card users.(2) The Urumqi commercial bank credit card problems and causes: through the survey found, atpresent Urumqi commercial bank credit card are credit card use less variety, low rate of credit card, creditcard business scale is small, the credit card risk increase, credit card business functions can not meet theneeds, marketing idea behind; through further analysis, found that the existence of the main reason is thecredit card business, the credit card business philosophy the misunderstanding of the lack of innovation, thelegal system is not perfect, imperfect individual credit system, analysis and information risk had largecredit card sharing mechanism is not perfect.(4) Urumqi commercial bank credit card development strategy: through the analysis of the problemsand causes, put forward the following countermeasures: first, the increase in credit card variety; second,improve the credit card service; third, improve marketing strategies; fourth, the increase in credit cardpayment channels; fifth, improve the legal system and construction of credit card, including calls for theestablishment of perfect laws and regulations of credit card, raise the legislative level; sixth, improve thecredit card risk prevention capacity, including the provision of security awareness, improve the level of riskmanagement, strengthen the credit card issuing review; seventh, establish an information sharingmechanism; Eighth, perfect personal credit system.