Research On Credit Card Marketing Strategy Of Harbin Branch Of Agricultural Bank Of China

With the increasing prosperity of the financial market,and the constant improvement of people’s living standard,there are new development opportunities for credit card businesses,and various banks are also facing new challenges in the credit card market.Since China’s economy continues to grow rapidly,and the overall credit card industry enjoys a strong development momentum,we have also entered a period of rapid development,and the industrial competition has gradually become white-hot.In the face of a huge market,our banks find it unsatisfactory to man age credit card products.At present,we are facing and urgently need to solve problems,including the serious homogenization in credit card management,lack of production innovation,weak market awareness,and single and ineffective marketing and publicit y,etc.This paper commits itself to the research of marketing strategy theories.Based on the current situation of credit card business environment of Harbin Branch of the Agricultural Bank of China,this paper analyzes the competitive advantages and disadvantages of credit card business in the real development.By applying 4P theory,4C theory,and STP theory and other relevant marketing theories,this paper makes in-depth exploration and further research on the problems existing in the current marketing strategies,according to the current shortcomings,combined with the intelligent,information-based characteristics of the times,proposed the optimization of marketing strategy solutions.Meanwhile,according to the existing deficiencies,combined with t he era characteristics of intelligence and information,this paper provides marketing planning optimized solutions.Finally,based on the current situation,this paper proposes various measures to guarantee marketing planning optimized solutions,in order to provide strong supports for credit card business management in Harbin Branch of the Agricultural Bank of China.The purpose of this paper is not only to point out the directions for the credit card business development in the bank,but also to provide valuable references for credit card business development in other banks where similar problems exist.