Research On The Optimization Of Credit Card Marketing Strategy In The Background Of Internet Finance Of S Bank

With the rapid development of Internet finance,the financial industry and the Internet have shown an increasingly converging trend.Especially in recent years,a number of Internet financial enterprises have emerged in China.S Bank has brought a lot of pressure and challenges.Under the influence and impact of Internet finance,how to actively face the impact of Internet finance through active innovation has become the major challenge that S Bank needs to solve in the future.This article takes S-bank credit card business as the research object and applies the relevant marketing strategy theory to design a marketing strategy for S-Bank to deal with the development of credit card business under the internet financial environment.First of all,the appearance and development of Internet finance have brought great threats and challenges to the traditional credit card business of S Bank.Under the impact of Internet finance,Bank S needs to improve its changing user needs so as to adapt to changes in the environment.Secondly,it carries on the horizontal and vertical comparison of credit card business of S bank,five models of movement Porter and SWOT analysis to find out the problem of S bank in the credit card business;Secondly,it designs the marketing strategy for S bank credit card to deal with Internet finance,Marketing mode and cross-border cooperation in three aspects of marketing strategies and solutions,and from the personnel training,risk prevention and control of two proposed safeguards.This article captures the new developments in China's financial markets.Analyzes the status of the emerging Internet finance and the impact it has on the credit card industry.The analysis of credit card business of S-Bank can reflect the prevalence phenomenon of the mainstream commercial bank in the operation and management of credit card,and apply the theory to the practice of credit card innovation marketing.