Research On Differentiated Marketing Of Credit Card In P Branch Of JS Bank Under The Background Of Internet Finance

With the increasing level of economic development in China,credit cards have also received more and more attention in the field of financial consumption.As a convenient micro-credit tool for daily consumption,credit cards have become increasingly popular in China.Such a vigorous market has become a competitive position for domestic commercial banks and various Internet financial companies.The competition in credit card market is becoming increasingly fierce.Although the P branch of JS Bank has a large scale and its credit card business started earlier,it is also facing unprecedented threats and challenges in such a fierce market competition.This paper takes the credit card marketing business of JS Bank P Branch as the research object,uses the relevant marketing theory,analyses the problems faced and puts forward corresponding marketing innovation schemes,in order to meet the challenges and make the credit card marketing business of JS Bank P Branch develop smoothly and healthily.Firstly,the fierce competition in the credit card business market at present poses a great threat to the credit card business of JS Bank P Branch.Therefore,JS Bank P Branch needs to make innovations in marketing strategies to meet the needs of customers and further adapt to the changes of the general trend.Secondly,it analyses the current situation of credit card business of JS Bank P Branch and finds out the problems in marketing.Five aspects,product function,price level,marketing channel and promotion mode,are put forward to optimize the marketing strategy,and corresponding measures are put forward from four aspects: information construction,risk control construction,talent team construction and service quality construction.With a view to JS Bank P Branch's credit card marketing business can develop smoothly and healthily,and improve the profitability level.This paper seizes the new opportunities of the development of China's financial market.Through the research on the problems and Countermeasures of credit card marketing business of JS Bank P Branch,it provides new ideas for the development of credit card business of JS Bank P Branch and helps it to cope with the current severe challenges.In addition,it is expected that the research results of this paper will be helpful to the credit card marketing of other commercial banks in China.