The Analysis And Study On The Management Of Credit Card Business In Wuxi Rural Commercial Bank

At present, with the credit card is no longer a high-end business people's patent, nor is a symbol of noble status. With the strong promotion of the bank, there is a certain consumption ability of ordinary people and even college students have become a credit card users, credit card gradually into the homes of ordinary people. After a few years of development, Wuxi Agricultural Bank credit card issuers have made considerable development, Wuxi Agricultural Bank credit card application from the initial must apply to the business office, and now Wuxi Agricultural Bank credit card business should be out of the business hall, can go to large supermarkets, commercial street, and so on. These years, with the popularization of computer, now Wuxi commercial bank can apply online, which greatly facilitates the application of credit card customers need to apply. After continuous improvement, the channels of agricultural firms in Wuxi are getting more and more, more and more wide. Although it has made great progress, but in the channel of Wuxi agricultural firm level or in several large domestic banks, must strengthen the construction and management of channels in the future, channel managers have to open thinking, for the Wuxi rural commercial bank to increase the channel, is the only way Wuxi agricultural firm to an invincible position in the competition in.In this paper, we first introduce the relevant theories, such as credit card, credit card management, risk theory, the paper is to lay the theoretical foundation for the research. Secondly, Wuxi agricultural firm as the starting point, for the characteristics of the industry and the environment, the status quo, characteristics and development trends of the three aspects of the status quo, characteristics, development trends of the contents of the specific form of. Again, the problem and the cause of the problem in the credit card management of Wuxi agricultural bank. Finally, on this basis, the paper puts forward the risk control and Prevention Countermeasures of the commercial banks, and puts forward the corresponding countermeasures and suggestions for the future of Wuxi agricultural firms.The innovation of this paper lies in:first, the innovation of research perspective. In the existing research in China, the bank credit card and risk management are integrated, and used for the study of specific banks less. On the basis of the research, this thesis tries to construct the basic theoretical framework of the integration of the two theories in order to provide a theoretical reference for the future research. Second, the innovation of research subject.In this paper, Wuxi rural commercial example.In the internal structure of the credit card management framework, a detailed analysis, and according to the characteristics of the bank and the environment, targeted to put forward the corresponding countermeasures and suggestions.In order to provide some reference for the credit card business management of Wuxi agricultural firm in its future development process. Third, the use of risk management methods, introduced to the Wuxi agricultural firm credit card management process, the full range of monitoring. At the same time, in view of the actual situation of the commercial banks, way of the industry as a whole credit card management to improve the quality of given answers, put forward the corresponding countermeasures and suggestions, expect to have universality, promote the sustained and healthy development of commercial banks, and cultivation of competitive strength.Through research and analysis, this paper argues that with the China credit card market continue to open to foreign, Wuxi agricultural firms can seize the opportunities in the future competition, Chinese Wuxi commercial bank must focus on the advantages of resources, developing the credit card business, and actively carry out credit card marketing, as the market changes in a timely manner to change the marketing strategy. Due to the high homogeneity of the credit card, easy to be competitors, Wuxi agricultural firm marketing innovation ability is weak, there are still many problems in marketing, such as market segmentation is not scientific, marketing means homogenization, marketing channel efficiency is low, quality customer resources loss, product features a single, simple marketing, etc., need to be resolved. For Wuxi Agricultural Bank credit card marketing problems, this paper puts forward some countermeasures, including the scientific segmentation of the market, accelerate product innovation, establish and improve the credit card marketing system, and constantly improve service satisfaction, etc..