Development Strategy Research On C Bank Heilongjiang Branch Credit Card Installment Payment Bussiness

Under the background of financial integration caused by global economic integration,the competition of the banking industry has intensified.The original profitability of banking has changed,and credit cards are playing an increasingly important role in the economic society.The intermediate business income brought by installment business of the credit card is growing rapidly,so it has become the focus for the commercial banks to increase profits and attracts customers.Therefor,studying the growing credit card installment payment business and analyzing its existing problems and finding out their corresponding solutions to the business of the bank has important practical role and far-reaching significance.In order to adapt to the objective demands of social development,C bank Hei Longjiang branch actively develops the credit card installment payment business,with the development of the original ordinary installment payment business at the same time,C bank pays attention to special credit card installment business.Combining with my own work experience at C bank Hei Longjiang branch,I investigate and analyze the development of this bank of credit card installment business in detail.The paper begins with present situation of C bank Hei Longjiang branch credit card installment payment business,compared with other state-owned banks on the business.In the internal environment analysis,this paper is based on the internal resources of C bank Hei Longjiang branch and its credit card installment payment business,this paper analyzes C bank Hei Longjiang branch credit card installment payment business' s advantages and disadvantages.From the external environment analysis,this paper goes through PEST analysis and industry analysis,and derives the opportunities and threats which C bank Hei Longjiang branch credit card installment payment business is facing.Based on the outcome of the internal and external environment analysis,this paper makes SWOT analysis for the purpose of choosing a most suitable business development direction.On the basis of these advantages,disadvantages,opportunities and challenges,this paper puts forward thedevelopment strategy goals for this bank as credit card installment payment business of this bank.These goals corresponding to the development strategies were formulated.