摘要
在我国，信用卡业务是一项新型个人金融业务，市场容量大、潜力足。随着我国金融市场的R益开放，各家银行为抢占市场份额，都积极行动起来，采取各种有效措施加大推进力度，信用卡业务已成为各大银行实现战略转型的重点。建行总行早已提出建设“国际一流零售商业银行”的战略目标，前董事长郭树清在信用卡中心视察时强调并指出，要从夺取未来零售银行业务战略主动权的高度推进信用卡业务发展。本文以战略管理理论为依据，结合笔者长期从事信用卡业务的经验和知识，较深入分析了建行河北省分行信用卡业务的优劣势，围绕着实现建行河北省分行信用卡业务的战略目标，提出了实现发卡量领先，实现良好的效益以及实现效益与风险平衡的一系列具体的发展策略。
本文共分为八章。第一章介绍了研究背景、意义、内容、方法及论文框架；第二章介绍相关的战略管理理论、分析工具、国内外相关研究综述；第三章运用PEST分析方法、波特五力模型对建行河北省分行信用卡外部环境进行了分析，指出了B内信用卡发展的行业环境以及河北地K信用卡业务的竞争环境；第四贲通过对建行河北省分行内部资源分析，运用企业核心竞争力方法和SWOT模型，着重指出了建行河北省分行信用卡业务优劣势；第五章提出了建行河北省分行信用卡业务的发展战略方案；第六章则从规模、效益和风险三个方面，分别提出了相应的发展策略；第七章给出了为实现发展策略，要采取的保障措施和建议；第八章对全文的重要结论进行了归纳，指出论文的不足，并对未来研究方向进行了展望。
本文立足于世界信用卡行业整体发展大势，着重分析了信用卡业务发展的内在规律。通过运用管理学中的战略管理理论模型和基础研究方法，结合建行河北省分行信用卡业务现状，制定出业务发展战略规划，较为完整地分析了信用卡业务的发展问题，为建行河北省分行在激烈的市场竞争中洞察先机，对建行信用卡业务乃至我国信用卡行业的发展均具有现实参考意义，同时对信贷部门也具有极大的参考价值。
关键词：信用卡；建行；发展战略
ABSTRACT
In our country, the credit card business is a new personal financial service, and ithas a great potential market capacity. Along with our country's financial marketincreasingly open, the banks for grab market share, take positive actions and variouseffective measures to increase efforts. The credit card business has become the banks toachieve their strategic transformation of the key. China Construction Bank has alreadyproposed “the international first-class retail commercial bank” strategic objectives, Guoshuqing,former chairman of the China Construction Bank, in the credit card centerinspection,also emphasized that to seize the future retail banking strategic initiative, wemust promote the development of credit card business. Based on the strategicmanagement theory, this thesis analyzed the advantages and disadvantages of the HebeiBranch of China Construction Bank credit card business, with the author engaging inexperience and knowledge of credit card business,then put forward the developmenttargets. Using PEST, Porter's Five-Force Model and SWOT,it analyzed the external andinternal environments of HEbei Branch of China Construction Bank credit card business,then provided related strategies for Hebei Branch to take its advantages and avoiddisadvantages in credit card business.
Combined with market research materials and based on the credit card industryoverall development trends, this thesis focused on the analysis of the credit cardbusiness development of the inherent law. Through the application of managementmodel of the strategic management theory and basic research methods, combined withthe Hebei branch of China Construction Bank credit card business situation, this thesisstudied the problems of its credit card business in various fields, and provided relateddevelopment suggestions. The realistic significance of this thesis is on the ChinaConstruction Bank credit card business and the development of the credit card industryin our country. In addition, it also has great reference value for the credit department.
Key Words: Credit Card; China Construction Bank （CCB）； Development Strategy
目录
摘要
ABSTRACT
第1章绪论
1.1选题背景与研究意义
1.2主要研究内容与本文主要框架
1.3本文主耍研究方法
1.4创新点
第2章相关理论和研究综述
2.1相关理论概述
2.2信用卡相关研究综述
2.3本章小结
第3章建行河北省分行倍用卡业务外部环境分析
3.1建行河北竹分行简介
3.2信用卡概述
3.3宏观环境PEST分析
3.4行业环境分析
3.5本章小结
第4章建行河北省分行信用卡业务内部资源分析
4.1核心竞争力分析
4.2建行河北省分行信用卡业务优势与劣势
4.3分析结果
第5章建行河北省分行信用卡业务发展战略方案
5.1建行河北省分行信卬卡业务现状
5.2发展战略0标的制定
5.3发展阶段
5.4本章小结
第6章建行河北省分行信用卡业务发展策略与实施
6.1实现发卡量领先的发展策略
6.2实现良好效益的发展策略
6.3实现效益与风险平衡的策略
6.4本章小结
第7章建行河北省分行信用卡发展战略保障措施
7.1组织结构体系建设
7.2构建有效的考核激励机制
7.3加强各级人员的培训，培养专业人才
7.4建设特色企业文化
7.5加大科技投入，构建先进技术平台
第8章结论
8.1主要结论
8.2不足与展望
参考文献
致谢
