Research On The Development Mode Of Commercial Bank Credit Card Business Under The Bachground Of Financial Science And Technology

After nearly 40 years of development,China's credit card industry has achieved leap-forward development and has become an important part of commercial bank retail business sector,which has contributed to the commercial bank's operating profit.In recent years,the development of a new generation of network technology has promoted perfect integration of social economy,Culture in various fields and technology industries.As a milestone during the development of Internet finance,the era of "financial technology" has arrived,and new types of online payment methods introduced by financial technology companies make it convenient for customers to shop on credit which is gradually changing consumers' life style.With the continuous development of financial technology,the market prospect pressure,profit growth pressure and risk management pressure which credit card business is faced with during its development are increasing gradually.How can commercial banks expand market share of credit card products based on reasonable risk control and realize Long-term healthy and stable development is the significance of the paper.Through a variety of research methods,this paper proposes problems,analyzes problems and proposes strategies based on the development of credit card business of commercial banks.By analyzing the development status and characteristics of commercial bank credit card business under the background of financial technology,this paper discovers and summarizes problems and reasons of the credit card business of commercial banks under the background of financial technology.Through the case study of the successful development of credit card of the Communicate Bank of China,while drawing on the excellent experience of foreign credit card development,in order to further improve the problem during the development of commercial bank credit card business,this paper put forward countermeasures and suggestions to solve the development problems of commercial bank credit card business.