商业银行校园信用卡发展现状及其转型策略研究

Research on the Development Status and Transformation Strategy of Commercial Bank Campus Credit Card

本文从校园信用卡的发展历程出发,重点分析了商业银行校园信用卡发放力度减小及其规模收缩的主客观因素:数字移动支付强势冲击、大学生消费约束力不强、第三方支付本身的特性、大学生信用卡政策的出台。本文通过样本调查校园信用卡使用情况并结合校园消费现状,提出从融合金融科技、精细化学生客户群体管理、整合新型业务三个方向来促进校园信用卡的转型升级。

This paper starts from the developing course of campus credit card,this paper focuses on the analysis of the subjective and objective factors of the reduction of Commercial Bank campus credit card issuance and its scale contraction:The strong impact of digital mobile payment,the weak binding force of college students’consumption,the characteristics of the third-party payment itself,and the introduction of college students’credit card policy.This paper investigates the use of campus credit card by sample and combines the current situation of campus consumption,the paper puts forward three ways to promote the transformation and upgrade of campus credit card,which are financial technology,fine management of student customer group and Integration of new business.