如何推广信用卡业务业实训

How to popularize this credit card business in middle clas s？

如何在中产阶级中推广这项信用卡业务

1.创建一个研究的计划，包括主要数据的收集（大概是调查的方式和数据的来源问题）

2.分析这些数据，得出必要的结论（如何解决这一问题的结论

对这个丹麦公司的介绍the introduce of Denmark's biggest bank

Denmark's biggest bank, Dansk Bank, will cut 2,000 jobs as part of a three-year savings programmer, it said on Tuesday as it posted a surprise third-quarter net loss amid poor global economic growth.上网搜大概介绍一下，标明数据的出处

现阶段中国的信用卡市场的状况At the present stage the credit card of market in china

The credit card industry in China is developed late than western countries; the development strategy in china is relatively simple. There’s large amount of credit card, but activate rate is very low. 我国信用卡行业比起西方发达国家来说起步晚，发展战略相对简单。信用卡的发卡量大，但是激活率低近几年中国的信用所以我们需要开办一种适合中国市场的信用卡，这样才有发展的空间

So we should launch a kind of credit card which is suitable for maket

中国中产阶级某些独特的制度特征the unique system characteristics about middle class in china

1）、30岁左右的年轻群体为主take the age of 30 young people as the principal group.

2）、对政治的参与缺乏热情they lack of enthusiasm political participation

3）、缺乏资本主义社会普遍存在的代际继承特征lock the ubiquitous of intergenerational inheritance characteristics with capitalist society

中产阶层的忧虑The anxiety of middle class

忧虑：Anxiety

对淘汰尤为恐惧，不论在生理、年龄上，还是在心理、知识上。追求创新。Be afraid of fall into disuse, whatever in physiology, age, or knowledge. Chase innovates.

我们需要根据中产阶级的消费心理推行适合他们的卡We should pursue a suitable card according to the consumption psychology in middle class

中产阶层的消费心理Consumption psychology of middle class

Integrated the characteristics of the middle class in china, Consumption demand and attitude toward work, finally summarizes the conclusion.

综合中国中层阶级的特征、消费需求、工作态度、忧虑、及消费热衷总结一下几点：

1. Consumption of experience.

1、消费经验的积累

2.In the consumer orientation more focus on the advice of

experts.2、在消费取向上更专注专家的建议

3.Because of the quickly life and stress in modern life ,people

look for a simplify way to consumption.3、由于生活节奏的加快以及生活压力的加大，购物的时间在缩短，消费的方式力求简化。

4. High-end consumer. Sometimes they need some petty loan, so the

credit card will have the market. 5、中产阶层的消费类型属于淡漠购物的高档消费型

中产阶级的消费者有不同的消费观念，我们需要根据他们不同的消费观念和消费习惯来设立不同的信用卡，从而在中产阶级中占取一个较大的市场。

Middle class consumers have a different concept of consumption，we should Set up different credit card according to the different concept of consumption and consumption custom. Then we will have take a larger market in the middle class.

我国银行信用卡销售渠道主要有三种：There are three Mainly Sales channel in our bank credit card.

①Outlets sales model

Credit card center is usually through administrative orders will be mission down to network, and the Banks are forced to type sales outlets.

网点销售模式。通常是信用卡中心通过行政命令将任务下放到网点，银行网点进行被迫式销售。

②Bank direct sales model

Some strong bank by establishing their own credit card marketing team, using direct sales model actively promote their products.

银行直销模式。一些实力强的银行通过建立自己的信用卡直销团队，运用直销模式主动地推广产品。

③Outsourcing sales model