Research On Credit Card Marketing Strategy For N Branch Of Postal Savings Bank

After more than 30 years of development in China's credit card business,the popularity of credit cards has become higher and higher and has become one of the most widely used non-cash payment tools.At the same time,credit cards are also an important tool for maintaining customers,improving customer quality,improving income structure,and establishing the brand image of commercial banks.With the expansion of the retail business of major commercial banks,the credit card business has become an important starting point for the bank's retail business transformation.As a large-scale retail commercial bank,postal savings bank of china has an important strategic position in credit card business.Although the credit card business of postal savings bank of china has achieved rapid development in recent years,it has a significant gap compared with other large state-owned commercial banks.The purpose of this article is to conduct a systematic research on the credit card marketing strategy of postal savings bank of china,and to use the N branch of Postal Savings Bank as a specific research object.Exploring the credit card marketing plan optimization proposal for Postal Savings Bank N Branch.This article analyzes the development status of credit card business of N Branch of Postal Savings Bank on the basis of sorting out marketing theory.And with the help of SWOT analysis,in comparison with competitors in the industry,It points out that there are many problems such as the unclear market positioning of credit card marketing,the homogenization of marketing methods,credit card consumption environment needs to be improved,the narrow promotion channels for customer acquisition,and insufficient publicity.In response to these problems,the author combines marketing theory,It is proposed that optimization of the credit card marketing process of N branch of Postal Savings Bank should focus on brand building,increase publicity,carry out differentiated marketing and linkage marketing,create a "specialized" scenario,improve the credit card consumption environment and establish a professional credit card marketing team.And from the four aspects of after-sales service,risk control,personnel training and technology security,implementation security measures were proposed.The innovation point of this article is to propose a corresponding solution to the practical problems of credit card marketing of N branch of Postal Savings Bank.The research in this paper is of practical guiding significance for the improvement of the credit card business marketing strategy of the N Branch of the Postal Savings Bank,the optimization of specific marketing strategies and the enhancement of brand value.At the same time,It can also be used as a reference for the development of credit card business of other commercial banks.