联名卡模式下的商家获利分析

An Analysis of Merchants' Profit in the Co-branded Card Pattern

联名卡以商家、银行、持卡人"三方得利"的特殊利益机制,创造了"三赢"的良好市场效应。深入总结和分析联名卡模式下的商家获利情况,对如何正确推广和使用联名卡是大有裨益的。经初步分析研究,笔者以为成功的联名卡至少可以为商家带来以下四个主要方面的实际利益:一是有利于增加销售收益;二是有利于共享优质资源;三是有利于节省经营成本;四是有利于塑造良好品牌。

The co -branded card pattern is a special profit system among the merchant, the bank and the card holder. An overall analysis of merchants＇ profit in the co - branded card pattern is very significant to popularize the co - branded card. The present author points out in the paper that the co- branded card helps merchants to be benefited in at least four profits： increasing sales income, lowering business costs, sharing superior resources and setting up Brand.