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上海交通大学硕士学位论文商业银行信用卡高端产品设计研究姓名:曹慰申请学位级别:硕士专业:工商管理指导教师:吴冲锋20080601,RESEARCHONTHEDESIGNOFHIGH-ENDCREDITCARDPRODUCTSFORCOMMERCIALBANKSABSTRACTDuetotheboomingofChineseeconomyinrecentyears,thefinancialindustry,withoutdoubt,hasbecomethebiggestwinner,whichhasbeendevelopingthemostrapidly.Personalfinancialbusinesswillaccelerateitsexpandingandrenovatingonthearrivalofconsuming-basedeconomy.Thefastdevelopmentofthepersonalfinancialbusiness,inadditiontotherapidgrowthofcreditcardindustry,hasmadehigh-endclientrelationshipmanagementacorebusinessofvariousbanks.Creditcardbusinesshasattractedenormouseffort.Questionssuchashowtobuildahigh-endproductsystemwithChinesecharacteristics,howtooptimizeproductinfrastructureandhigh-endclientmanagement,howtoachievelongtermvalueofcreditcardbusinessandenterprises,becomeemergingresearchtopicsinfinance.Basedonthevalueofhigh-endcreditcardproductsisinvestigatedinthispaper.Itplaysavitalroleinexploringhigh-endclientresourcetowinthecompetitioninthefuture.Thedesignprincipleandproceduresofhigh-endcreditcardproductsisalsoanalyzed,inthebasisoftheProducttheoryandthepositioningtheoryinmarketing,aswellasthesurveyfromtheChinaMerchantsBankonthetargetconsumersandtheplatinumcardusers.Thispaperdiscussesthesignificanceandmethodsofdesigningforhigh-endcreditcardproducts.Theinnovativecontent,objectivemethodandabundantdatasourcecanprovidevaluablereferencefordecisionmakersinthefinancialsector.KEYWORDSbank,creditcards,high-endproduct,designresearchMBA111.11.1.12003300200512002007600020131301401.1.22007616(doc6)MBA21.21.2.1()1231.2.2MBA31231.31.3.1MBA41.3.11.41.4.12007200620072006123452007201011234MBA5200712320071280/2018%40%-50%80%20071231.4.2200780/20123MBA62007GDP30001MBA722.150%1313251-52MBA8200729502020058008000POS27%5%1/3“”70%2.22.1.150200723-420072-820074291119MBA9100,--,(AntherMorris),1924,,,1951(DinersCard),(merchantdiscount)(AmericanExpress)1959,,,,1959(BankofAmerica),2.1.219952000MBA101979819856198519951995199820002000WTO20025177123121820033200212292002MBA1120032003580%200787501875063006%2%2.22.2.1180006%2%1080%25%60071%18%200065%9%1080%MBA1225%60300065%10%60071%18%520073%2%2.2.22003200755200721002006A552007MBA1322007++1700930363707652338006825%27%3251952336290566148575%8%52657276128965113946928%13%1260419615669281417112419%17%2062591102062591130%24%5889143058891439%7%3339811033398115%4%20082.32.3.1MBA1418%0.7%1%65000200232002664.512.28149.82.7780.31.4842.60.7926.90.506.80.13970.917.95189.33.50354.36.55248.84.608.00.15800.414.80/170.53.1563.1200758MBA15/107.41.995409.269%2.3.2351MBA16250,342007076220070761MBA175200780002000MBA1833.13.1.12006121820080302007500VIPVIP2006MBA1920011450200547712030%20091.805100304000650016002010610016%65003002010300020%29.53234.236.53941.60102030405020052006200720082009201011002005-2010EWorldDevelopmentIndicators;DreamingwithBRICs,GoldmanSachs,OCT03;IBMCAGR6.8%MBA202/120120%2008208010010003.1.240%1920MBA2145%20%200712130001515023.6969012%2009(10)1.63117208066103.23.2.1MBA2216VISAStar5003.2.220003000542007VISA5005800MBA2342007VISA10+n3600VISA10+n1800VISA10100MasterCard5+n2000/1000/SOSVISA5+n3600/2000/VISA/MasterCard103000/2000/SOSSTARVISA/MasterCard5+n2000/1000/VISA5+n3600/2VISA/MasterCard10000/10+n2000/1000/15+n10+n510n20003600500000MBA2460000300003.320%80%80%20%20%20%10“114003.3.1MBA25200523040801-2/3600700034310820061216%2007916.33%22.33%15%20%20074000/10.MBA262007960%26%3.3.2200791994MBA27101410003.43.4.1300050001MBA283.4.21020300200775003001003.4.34241000200053028MBA293.4.42007410000100003.4.5VIPVIPMBA3044.14.1.1,,,,,,,,,,,4.1.2MBA31,,,,4.1.3,,,,4.220071188MBA324.2.1MBA332/82255101020202210SPAMBA34EMBAMBAEMBAMBAVISA4.2.21/30-40200/1-25-103/1-2/MBA35230-4081.3%84.4%2221.8%VIP735%133311.5%4MBA365%90%90%4.2.31MBA3738018050100030120050002424(8610)6410-5995252007$2,50010,0007,5006,0005,0005,0005,0006,2506,2501,5003,7502,500710/MBA382500/20061000020061000620074504504504505002628Luxus/Benz2526=1CLUB4.2.4MBA394.2.51MBA407200713.29%10.64%8.20%6.47%4.50%4.28%3.70%2.68%1.60%1.27%0.59%0.23%0.10%100%820072006.8.12007.7.3166.3%14.2%10.9%8.3%100%14.2%5.1%MBA4147.42%80%XX5080%220071032A.2005030-405-10VIPB.66.7%MBA4232007C.EMBAMBA3AMBA43BCDSPAEFMBA4455.15.1.120011450200547712030%091.805MBA45100304000650016002010610016%65003002010300020%5.1.240%192045%20%5.2MBA4620%GDP5.2.15.2.290MBA475.2.3905.35.3.15.3.2MBA48[1]20073[2]2003[3]2003[4]20071-2757-89153-178[5]20072[6]&200710[7]-20079532-47[8]20076366-73[9]20071159-60[10]2007200620072007232-35[11]200720074291119121[12]20072007111911125-126[13]200720070761-63[14]2007874-75MBA49[15]2007736-38[16]2007200710519123-124MBA50MBAMBAMBA20083MBA512006ISBN978-7-80730-568-2F.6620084商业银行信用卡高端产品设计研究作者:曹慰学位授予单位:上海交通大学相似文献(10条)1.期刊论文王旻商业银行大学生信用卡风险管理问题新思考-中国农业银行武汉培训学院学报2009,(4)中国商业银行信用卡业务现已步入快速发展的时期,大学生信用卡发行量亦迅速增长.大学生信用卡的违约现象也日渐严重,产生了不利的社会影响,也给银行方面带来较大风险.大学生信用卡风险管理问题是商业银行面临的重要课题.笔者认为大学生信用卡最主要的风险就是信用风险,本文特别强调以家庭、学校、社会教育为主的多方面管理方法,提出更有效的规避大学生信用卡风险的新思路,突破了以往单纯从银行角度来考虑商业银行信用卡风险管理的方法.2.学位论文彭赛豪我国商业银行信用卡业务风险管理研究2007信用卡作为一种先进的新型支付结算手段和消费信贷工具,是指银行或专门机构向社会公开发行的、持
本文标题:商业银行信用卡高端产品设计研究
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