Distinction Profitable Credit Card Clients In Universities

In recent years,with the increasing scale of credit card business in China's banking industry,the profit share of credit card business is increasing year by year.The banking industry attaches more importance to the credit card clients,and in all kinds of credit card business clients to choose,university student client group,with its many natural advantages has become the main target group of Banks are scrambling to competition.In recent years,with the continuous growth of college students' credit card business and the continuous expansion of the market scale,some of the college students in the client group have brought a certain impact on the profits of the bank's low-quality clients have gradually emerged.The major Banks have gradually realized that in the university student market,clients cannot be treated equally,and it is also necessary to distinguish the good from the bad clients by distinguishing their profit contribution to the bank.Who in the college market to obtain more high-profit clients,who can in the future credit card market competition in the dominant position.To high-quality development bank credit card business in university student client group,improve college students' client profit contribution to a bank,the paper will use the client segmentation method,through research and analysis the current stock of college students' credit card clients,specifically the common features of high-quality clients,distinguish the inferior group of the main risk points and quality and poor client model is set up.The researchers will make use of the research results to help A bank identify college students' clients more quickly and accurately,and expand the campus market and increase profits rapidly on the premise of stability.Prompted A bank client groups of students in the existing structure to optimize upgrade,strengthen bank current college students' credit card asset quality,at the same time for Banks in college students develop guidelines and policies and credit market mode put forward pertinent Suggestions,assist Banks expand college students business market scale,more and more high quality college students become loyal bank clients,avoid some possible risk of bad client.This series of measures will not only benefit A bank's college students' credit card clients and increase their profit contribution,but also benefit the reduction of college students' credit card asset quality risk factor and play an important role in promoting the sound development of the overall asset quality of banks.