Study On The Credit Card Business Innovation Development Strategy Of LNJX Bank

Gradually change direction to retail bank business along with the our country bank business, credit card business Be retail business of a high profit rate business, have become each bank development of point. According to wheat be willing to tin estimate, China of credit card business at2013the profits will attain13,000,000,000-14,000,000,000dollars and become only personal next to housing loan of the two retail letter loan product, become one of the core business and main profits sources of bank.However, current our country the credit card business be still placed in a beginning stage, present stage can realization credit card business the bank of the earnings return few.And join along with the foreign capital bank, our country credit card business of competition inevitable meeting ratio now more vehemence.Through the development for the last few years, the credit card industry of our country come to an unprecedented scale.But, regardless in the hair card amount, trade sum, still at service, technique, safety etc., our country credit card business all with abroad credit card business existence very big of margin.In the meantime, along with bank hair card quantity of increment, but the profit margin of credit card business be more and more low, credit card of management cost continuously increment.This phenomenon of root reason is our country bank not value credit card of empress period service, the open of credit card card rate, activate a rate not Gao.Therefore, industry the personage be consistent to think, the credit card be future of competition will main concentration in the service. Which bank can provide the credit card service of superior quality, it can attraction more customer, create profits for the credit card business thus.This text is from the credit card service of the angle commence, with the LNJX bank credit card center this stateowned commercial bank of the Liaoning region one class branch office management section for research object, put forward the standpoint of "pass innovation credit card service, provide a superior quality service thus".This text the theories of credit card business and service innovation with combine together, introduction service innovation of related concept, characteristics, classification and fore basic virtues degree model;Introduction the creation of the credit card, development, essence;Analysis our country the credit card carry on a service innovation of necessity;The problem passing analysis the LNJX bank credit card business development present condition and existence, thorough analysis domestic and international credit card service innovation circumstance, combine service innovation theories, put forward our country carry on credit card service innovation of strategy.