Optimization Analysis Of Credit Card Auto Installment Business In Gansu Branch Of ABC

In recent years,with the improvement of living standards and changes in consumer attitudes,automobile consumer finance ushered in an important opportunity for development in social and economic activities,credit card installment car as a new type of automobile consumer finance,has become the main force in the automotive consumer credit business.From customer demand,only a small number of banks can handle credit card car installments,and now more and more inclined to low-cost,efficient and excellent service of commercial banks.Therefore,customers also put forward new requirements for the business development of commercial banks,demand determines supply,supply against demand,product homogeneity and service in the fierce market competition era,reducing transaction costs,shorten the work time and enhance the comprehensive income has become a major problem facing the development of commercial bank credit card installment car business.In order to solve the above problems,this paper takes the credit card car staging of Gansu branch of Agricultural Bank of China as the object of study.Through empirical research and quantitative research,the current business model is optimized.First of all,through the domestic and foreign automobile consumer finance and Agricultural Bank of China branch of Gansu credit card car staging of the comparative analysis of the status quo,the proposed Agricultural Bank of China Gansu branch of the credit card car staging of the six major problems.Secondly,through business data analysis,the main use of research risk decision-making model,0-1 integer programming model,a mixed integer programming model,minimum spanning tree model and other theories,from the pricing strategy,marketing strategy,operation process,information system,risk management,personnel training,route seven aspects of optimization design.Finally,through the practice of verification,the results before and after optimization were compared,which reduced transaction costs,shorten the work time and enhance the comprehensive income,obtain good effect in practice,to achieve the overall objectives set in advance.This paper through the stages of optimization of Agricultural Bank of China Gansu branch credit card auto analysis,theory and practice,practice theory,and obtain the optimal effect of the existing constraints,the current commercial bank credit card installment car provides the main problems facing the financial sector and automotive consumer reference.