Research On Credit Card Marketing Optimization For Jiangsu Branch Of Postal Savings Bank

China’s credit card business has developed rapidly, from quantitative change to qualitative change, from issuing expansion to the transformation of trade growth at the same time, also faces with the challenge of settlement trading patterns change in big data age of the Internet, and opportunities of the reform and opening up in the payment and settlement market. Postal Savings Bank founded on March 20, 2007, is a state-owned commercial Banks which is established at the latest, is also the only one unlisted state-owned joint-stock Banks. Postal Savings Bank missed the golden decade of Chinese credit card market, directly enter into the credit card market competition period. As a market latecomers, Postal Savings Bank both has the disadvantage, low market share, few customers, but it also has the late-mover advantage, less historical burden and high starting point of development, more advanced pattern. This article is going to studying credit card business system of the Postal Savings Bank, taking Jiangsu branch as an example, providing a series of marketing strategy and guarantee mechanism.At first, the author sorts out searching theoretical results in recent years,application competitive strategy theory, marketing tube theory, customer value principle, situational analysis, by using contrastive analysis, comparison and summarizes, analysis the characteristics of the domestic credit card market, Jiangsu branch of Postal Savings Bank’s credit card marketing environment and the problems existing in the marketing. Together with the present situation of marketing, Using SWOT analysis method, evaluates the Postal Savings Bank credit card marketing competitive position and business strategies. Finally, combined with the credit card consumer interest preference analysis, using the modern marketing management theory, the author puts forward the suitable suggestions of credit card business marketing strategy optimization, from marketing mix, security mechanism, etc.In short, this article tried to build a set of relatively complete Postal Savings Bank credit card marketing practical strategy system, the related concept and the research method is not only apply to the Postal Savings Bank, also can be used for reference to the other commercial Banks.