The Analysis Of The Jinan Branch Of The China Guangfa Bank Credit Card Marketing Strategy

With the development of domestic economy, the expansion of the social productive forces, and deepening the reform of financial system, the people’s quality of life improved,great changes have taken place in people’s consumption concept also. As the tool of economic consumption payment and settlement, the emergence of the credit card to the transformation of social life style. In the face of the credit card broad market prospects for development, Banks joined in the battle for the credit card business to avoid war,competition is very fierce. In the face of ferocious international financial brand, in the face of fierce market competition between Banks, our domestic Banks take what kind of marketing competition strategy is particularly important, this will be about the healthy and stable operation of the whole national economy. Now, the vast majority of China’s financial enterprises awareness of credit card is still in primary stage, let alone make effective marketing strategy. How to rational knowledge, the correct formulation, with a valid credit card marketing strategy, is the financial enterprises urgently need to solve the problem.This paper studies the development of credit card, reflected in bright points and some problems, analysis and exploration for revelation to the development of the China Guangfa Bank credit card has a help. Through the definition of credit card definition, classification and profit model in this paper, the credit card products, seek to guangfa credit card the guidance of the development of new products, this article also analyzes the China Guangfa Bank jinan branch credit card marketing strategy of external and internal environment,external include social and cultural environment, economic environment, policy and law environment, technical environment, etc. And also the advantage of Canton card to SWOT analysis, the disadvantage, opportunity and threat of, to explore the development strategy of marketing channel and the Canton card should choose.This article through to the China Guangfa Bank jinan branch of the current marketing status quo of the research, find out the deficiencies, such as: low compared to the other bank credit CARDS, which really broad consumer favorite favourable activity is not too much, or these activities in the peer has no competitiveness, the company acquisition way of marketing is still owe science and so on, puts forward some improvement scheme, to enhance the competitiveness of the Canton card has a great help.This paper analyzes the China Guangfa Bank credit card marketing model, summed up the credit card marketing strategy, suggested that the China Guangfa Bank developing marketing budget and allocate resources reasonably, build efficient marketing organization,strengthen the control of the marketing process, to improve the China Guangfa Bank credit card marketing model, improve operational efficiency, improve the management environment, etc.