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07版的不再销售，以下为中国商业银行信用卡市场研究报告2008版

关键字：商业银行信用卡 工商银行 信用卡发行量 招商银行 信用卡发行量 建设银行 广发行信用卡 中国银行信用卡 交通银行信用卡 信用卡市场细分 信用卡市场推广 信用卡市场营销策略

电子版价格：5000元
印刷版价格：5200元

共154页，62张图表

更新日期：2008年3月
出品单位：力勤资讯

正文目录

第一章 信用卡市场综述 1

1.1 信用卡相关定义 1
1.2 信用卡的特征 1
1.3 信用卡类别 2
1.4 信用卡的盈利方式 3
1.5 信用卡发展简述 4

第二章 国内信用卡市场现状分析 7

2.1信用卡国外行业总体情况分析 7
2.1.1国外信用卡市场规模状况 7
2.1.2 国外主要发卡机构信用卡发行概况 8

2.2信用卡国内行业总体现状分析 9
2.2.1 国内信用卡市场规模状况 9
2.2.2 国内主要发卡行市场竞争状况 11

2.3主要发行行消费者评价 17

2.4盈利状况分析 31

2.5持卡消费状况分析 35
2.5.1信用卡客户集中度分析 35
2.5.2信用卡消费地区差异分析 38
2.5.3信用卡分期付款业务分析 39

2.6中国信用卡发展中存在的问题 43

2.7信用卡主要发行行风险控制分析 47
2.7.1挂失风险的控制 47
2.7.2总体风险控制 49

2.8 2007年信用卡市场新趋势 51

第三章 中国各信用卡发行银行信用卡发行现状 54

3.1 中国工商银行 54
3.1.1 发行规模及其预测 54
3.1.2 市场份额状况 57
3.1.3 产品结构状况 57

3.2 中国招商银行 61
3.2.1 发行规模及其预测 61
3.2.2 市场份额状况 63
3.2.3 产品结构状况 64

3.3 中国建设银行 68
3.3.1 发行规模及其预测 68
3.3.2 市场份额状况 70
3.3.3 产品结构状况 71

3.4中国银行 72
3.4.1发行规模及其预测 73
3.4.2市场份额 74
3.4.3产品结构 75

3.5 广东发展银行 76
3.5.1 发行规模及其预测 76
3.5.2 市场份额状况 77
3.5.3 产品结构状况 78

3.6交通银行 79
3.7中信银行 80
3.8民生银行 82
3.9兴业银行 84
3.10深发展银行 86
3.11农业银行 88
3.12光大银行 91
3.13上海浦发银行 93
3.14上海银行 94
3.15 宁波银行 96
3.16华夏银行 97
3.17南京银行 98
3.18深圳平安银行 98
3.19北京银行 99

第四章 市场发展策略研究 101

4.1 当前及潜在客户分析 101

4.2竞争环境及对手分析 101

4.3营销渠道分析 106

4.4 信用卡市场细分研究 110
4.4.1市场细分的作用 110
4.4.2市场细分的标准 112
4.4.2.1市场细分应遵循的标准 112
4.4.2.2 市场细分的方法选择 112
4.4.2.3 如何利用市场细分加强经营管理 114
4.4.3 确定细分市场 116
4.4.4 评估细分市场 116
4.4.4.1 细分市场的规模与发展 116
4.4.4.2 细分市场结构的吸引力 117
4.4.4.3 公司的目标和资源 119
4.4.5 目标市场定位 119
4.4.6细分市场的实施战略 120

4.5信用卡市场推广策略 120

4.6信用卡产品促销策略 126
4.6.1促销策略 126
4.6.2产品策略 127
4.6.3服务策略 129

4.7信用卡的LTV 营销 130

第五章 中国信用卡市场发展预测 137

5.1 中国信用卡市场机会分析 137

5.2 中国信用卡市场风险分析 139

5.3 中国信用卡市场规模及趋势预测 141
5.3.1市场规模预测 141
5.3.2 市场发展趋势预测 143

图表目录

图表1-1：中国银行卡业务发展三个阶段状况 5
图表2-1：2007年国内外信用卡发行与使用状况 7
图表2-2：2003-2007年中国信用卡发卡量增长状况 10
图表2-3：2007、2006年中国信用卡发行银行变动情况 11
图表2-4：2007、2006国内各主要银行信用卡发行排名状况 12
图表2-5：2007年国内各信用卡发卡行市场份额结构 13
图表2-6：2006年国内各信用卡发卡行市场份额结构 13
图表2-7：2007年国内各商业银行信用卡年费、挂失费、换卡费比较 14
图表2-8：2007年中国各发卡行信用卡消费总体排名状况 19
图表2-9：2007年中国商业银行信用卡综合排名状况 21
图表2-10：2007年中国商业银行信用卡费用排名状况 22
图表2-11：2007年各发卡行信用卡各项费用评价比较 23
图表2-12：2007年各发卡行信用卡多样性与便利性评价比较 24
图表2-13：2007年中国商业银行信用卡卡务排名状况 26
图表2-14：2007年各发卡行信用卡功能评价比较 27
图表2-15：2007年中国商业银行信用卡功能排名状况 28
图表2-16：2007年各发卡行信用卡增值服务评价比较 29
图表2-17：2007年中国商业银行信用卡增值服务排名状况 30
图表2-18：中国信用卡市场的交易结构 32
图表2-19：中国信用卡市场的收入结构 33
图表2-20：中国银行、广发银行、招商银行、深发银行贷记卡平均收入构成 34
图表2-21：国内大城市白领信用卡办理与使用情况 35
图表2-22：2004-2006年中国货币市场利率走势 42
图表2-23：国内信用卡获取渠道结构状况 50
图表3-1：2003-2007年中国工商银行信用卡累计发卡量统计 55
图表3-2：2003-2007年中国工商银行信用卡市场份额变动状况 57
图表3-3：中国工商银行信用卡市场类别结构 57
图表3-4：中国工商银行普通信用卡市场细分及各自消费特点 58
图表3-5：中国工商银行联名信用卡市场细分及各自消费特点 58
图表3-6：中国工商银行主题信用卡市场细分及各自消费特点 60
图表3-7：2003-2007年招商银行信用卡累计发卡量统计 62
图表3-7：2007、2006年招商银行信用卡不良贷款率比较 62
图表3-8：2003-2007年中国招商银行信用卡市场份额变动状况 63
图表3-9：中国招商银行信用卡市场类别结构 64
图表3-10：中国招商银行普通信用卡市场细分及各自消费特点 64
图表3-11：中国招商银行主题信用卡市场细分及各自消费特点 65
图表3-12：中国招商银行联名信用卡市场细分及各自消费特点 66
图表3-13：中国招商银行商务信用卡市场细分及各自消费特点 67
图表3-14：2003-2007年中国建设银行信用卡累计发卡量统计 69
图表3-15：2003-2007年中国建设银行信用卡市场份额变动状况 71
图表3-16：中国建设银行信用卡市场细分及各自消费特点 71
图表3-17：2003-2007年中国银行信用卡累计发卡量统计 74
图表3-18：2003-2007年中国银行信用卡市场份额变动状况 75
图表3-19：中国银行信用卡市场细分及各自消费特点 75
图表3-20：2003-2007年广发银行信用卡累计发卡量统计 77
图表3-21：2003-2007年广发行信用卡市场份额变动状况 78
图表3-22：广发行信用卡市场细分及各自消费特点 78
图表3-23：交通银行信用卡市场细分及各自消费特点 80
图表3-24：中信银行信用卡市场细分及各自消费特点 82
图表3-25：民生银行信用卡市场细分及各自消费特点 83
图表3-26：兴业银行信用卡市场细分及各自消费特点 86
图表3-27：深发展银信用卡市场细分及各自消费特点 88
图表3-28：农业银行信用卡市场细分及各自消费特点 89
图表3-29：光大银行信用卡市场细分及各自消费特点 92
图表3-30：上海浦发银行信用卡市场细分及各自消费特点 94
图表3-31：上海银行信用卡市场细分及各自消费特点 95
图表4-1：2007年国内各省份人均GDP状况分析 102
图表4-2：细分市场进出风险分析 117
图表4-3：汇丰（香港）差异化信用卡系列和服务组合 128
图表4-4：生命周期价值(LTV)计算表 132
图表5-1：2007-2010年中国信用卡发卡量预测 142
图表5-2：2007-2010年国内信用卡业务收入预测 143

 

CHINA CREDIT CARD MARKET REPORT 2008

 

Price   $2000(pdf)

Total pages   141 

Words    80490  

Charts and tables   61   

Finished date   01/2008

 

CONTENTS:

 

CHARPTER Ⅰ: INTRODUCTION 1

 

1.1  Relevant definitions 1

1.2  Characteristics of credit card 1

1.3  Categories of credit card 2

1.4  Profit patterns 2

1.5  Brief history introduction 4

 

CHARPTER Ⅱ: OUTLINES OF GLOBAL AND CHINESE CREDIT CARD MARKET 6

 

2.1 Global credit card market 6

       2.1.1 Market scale 6

       2.1.2 Global main credit card issuers and their status 7

 

2.2 Chinese domestic credit card market 9

       2.2.1 Market scale 9

       2.2.2 Domestic main credit card issuers and competitive pattern 10

 

2.3 Domestic credit card consumer satisfaction investigation and top issuers ranking 17

 

2.4 Profit analysis 31

       2.4.1 Transaction structure analysis 31

       2.4.2 Revenue structure analysis 32

       2.4.3 Profit analysis 34

 

2.5 Analysis on credit card consumption 35

       2.5.1 Customer concentration analysis 35

       2.5.2 Regional differences analysis 37

       2.5.3 Credit card Installment consumption analysis 38

 

2.6 Problems of present Chinese credit card market 43

 

2.7 Risk control analysis of main Chinese credit card issuers 46

       2.7.1 Risk control of loss reporting 46

       2.7.3 Risk control in general 49

 

2.8 Credit card market trends in 2007 51

 

CHAPTER Ⅲ: MAIN CHINESE DOMESTIC CREDIT ISSUERS ANALYSIS 54

 

3.1 ICBC (INDUSTRIAL AND COMMERCIAL BANK OF CHINA) 54

       3.1.1 Issuing scale and projection 54

       3.1.2 Market share analysis 55

       3.1.3 Product structure analysis 56

 

3.2 CHINA MERCHANTS BANK 59

       3.2.1 Issuing scale and projection 59

       3.2.2 Market share analysis 61

       3.2.3 Product structure analysis 61

 

3.3 CHINA CONSTRUCTION BANK 66

       3.3.1 Issuing scale and projection 66

       3.3.2 Market share analysis 67

       3.3.3 Product structure analysis 68

 

3.4 GUANGDONG DEVELOPMENT BANK 69

       3.4.1 Issuing scale and projection 69

       3.4.2 Market share analysis 70

       3.4.3 Product structure analysis 70

 

3.5 BANK OF COMMUNICATION 71

      

3.6 CHINA CITIC BANK 72

 

3.7 BANK OF CHINA 73

       3.7.1 Issuing scale and projection 73

       3.7.2 Market share analysis 75

       3.7.3 Product structure analysis 76

 

3.8 CHINA MINSHENG BANK CO., LTD. 77

 

3.9 INDUSTRIAL BANK CO., LTD. 78

 

3.10 SHENZHEN DEVELOPMENT BANK 80

 

3.11 AGRICULTURE BANK OF CHINA 81

 

3.12 CHINA EVENBRIGHT BANK 83

 

3.13 SPD BANK (SHANGHAI PUDONG DEVELOPMENT BANK) 85

 

3.14 OTHER ISSUERS 86

       3.14.1 BANK OF SHANGHAI 86

       3.14.2 HUAXIA BANK 87

       3.14.3 BANK OF NINGBO 88

       3.14.4 BANK OF NANJING 88

 

CHAPTER Ⅳ: CREDIT CARD MARKET DEVELOPMENT STRATEGY 89

 

4.1 Present and prospective client analysis 89

 

4.2 Competitive environment and competitor analysis 89

 

4.3 Marketing channels analysis 94

 

4.4 Research on market segmentation 98

       4.4.1 Why segment markets are so important 98

       4.4.2 Market segmentation criteria 100

              4.4.2.1 The criteria should be followed 100

              4.4.2.2 Method-selecting of market segmentation 100

              4.4.2.3 Use market segmentation to strengthen issuer’s management and administration 102

       4.4.3 Segment markets identifying 104

       4.4.4 Segment markets evaluation 104

              4.4.4.1 Market scale and development analysis 104

              4.4.4.2 Evaluate the development potential of segment markets 105

              4.4.4.3 Judge segment markets in the context of the issuer’s objects and resources possessed 106

       4.4.5 Positioning 107

       4.4.6 Strategy implementation 107

 

4.5 Marketing strategy 108

 

4.6 Product promotion strategy 114

       4.6.1 Sales promotion strategy 114

       4.6.2 Product-mix strategy 114

       4.6.3 Service strategy 117

 

4.7 LTV marketing 118

 

CHAPTER Ⅴ: DEVELOPMENT TRENDS OF CHINESE CREDIT CARD MARKET 124

 

5.1 Opportunity analysis 124

 

5.2 Risk analysis 126

 

5.3 Market scale projection and development trends 128

       5.3.1 Market scale projection 128

       5.3.2 Development trends

 

LIST OF TABLES AND FIGURES:

 

Chart 1-1: Three phases of bank card business development in China 5

Chart 2-1: Global and domestic issued credit cards and consumption structure 2007 7

Chart 2-2: China aggregated credit cards issued in 2003-2007 10

Chart 2-3: Names of China credit card issuers in 2006, 2007 10

Chart 2-4: Main China credit card issuers rankinging in 2006, 2007 12

Chart 2-5: Market share structure of China credit card market 2006 13

Chart 2-6: Market share structure of China credit card market 2007 14

Chart 2-7: Comparison of fees (annual fee, reporting a loss, replacing card) charged by main credit card issuers (2007) 14

Chart 2-8: Ranking of Chinese credit card issuers in the consumer satisfaction investigation 2007 20

Chart 2-9: Comprehensive ranking of Chinese credit card issuers 2007 21

Chart 2-10: Ranking of Chinese credit card issuers – by charged fees 2007 23

Chart 2-11: Comparison of evaluation on credit card fees of main issuers 2007 23

Chart 2-12: Comparison of detail evaluations on product variety and convenience of main issuers 2007 25

Chart 2-13: Comparison of comprehensive evaluation on product variety and convenience of main issuers 2007 26

Chart 2-14: Comparison of detail evaluations on card functions of main issuers 2007 27

Chart 2-15: Comparison of comprehensive evaluation on card functions of main issuers 2007 28

Chart 2-16: Comparison of detail evaluations on value-added services of main issuers 2007 29

Chart 2-17: Comparison of comprehensive evaluations on value-added services of main issuers 2007 30

Chart 2-18: Transaction structure of Chinese credit card market 32

Chart 2-19: Revenue structure of Chinese credit card market 33

Chart 2-20: Average revenue structure of BANK OF CHINA, GUANGDONG DEVELOPMENT BANK, CHINA MERCHANT BANK and SHENZHEN DEVELOPMENT BANK 2007 34

Chart 2-21: Credit card application and use conditions of white-collars in China’s major cities 35

Chart 2-22: Trend of interest rate in China money market 2004-2006 41

Chart 2-23: Channels structure of acquiring new credit card applicant 50

Chart 3-1: Aggregated credit card issue volume of ICBC 2003-2007 54

Chart 3-2: ICBC credit card market share in 2003-2007 55

Chart 3-3: Credit card product structure of ICBC 56

Chart 3-4: ICBC segment markets of Classic cards ands their characteristics 56

Chart 3-5: ICBC segment markets of joint-name cards and their characteristics 57

Chart 3-6: ICBC segment markets of characteristic cards and their characteristics 58

Chart 3-7: Aggregated credit card issue volume of CHINA MERCHANT BANK 2003-2007 60

Chart 3-8: CHINA MERCHANT BANK credit card market share in 2003-2007 61

Chart 3-9: Credit card product structure of CHINA MERCHANT BANK 61

Chart 3-10: CHINA MERCHANT BANK Segment markets of Classic cards and their characteristics 62

Chart 3-11: CHINA MERCHANT BANK segment markets of characteristic cards and their characteristics 62

Chart 3-12: CHINA MERCHANT BANK segment markets of joint-name cards and their characteristics 63

Chart 3-13: CHINA MERCHANT BANK segment markets of commercial cards and their characteristics 65

Chart 3-14: Aggregated credit card issue volume of CHINA CONSTRUCTION BANK 2003-2007 66

Chart 3-15: CHINA CONSTRUCTION BANK credit card market share in 2003-2007 67

Chart 3-16: CHINA CONSTRUCTION BANK segment markets and their characteristics 68

Chart 3-17: Aggregated credit card issue volume of GUANGDONG DEVELOPMENT BANK 2003-2007 69

Chart 3-18: GUANGDONG DEVELOPMENT BANK credit card market share in 2003-2007 70

Chart 3-19: GUANGDONG DEVELOPMENT BANK segment markets and their characteristics 71

Chart 3-20: BANK OF COMMUNICATION segment markets and their characteristics 71

Chart 3-21: CHINA CITIC BANK segment markets and their characteristics 73

Chart 3-22: Aggregated credit card issue volume of BANK OF CHINA 2003-2007 75

Chart 3-23: BANK OF CHINA credit card market share in 2003-2007 76

Chart 3-24: BANK OF CHINA segment markets and their characteristics 76

Chart 3-25: CHINA MINSHENG BANK segment markets and their characteristics 77

Chart 3-26: INDUSTRIAL BANK segment markets and their characteristics 79

Chart 3-27: SHENZHEN DEVELOPMENT BANK segment markets and their characteristics 80

Chart 3-28: AGRICULTURE BANK OF CHINA segment markets and their characteristics 81

Chart 3-29: CHINA EVENBRIGHT BANK segment markets and their characteristics 84

Chart 3-30: SPD BANK segment markets and their characteristics 85

Chart 3-31: BANK OF SHANGHAI segment markets and their characteristics 86

Chart 4-1: GDP per capita in China’s different provinces 90

Chart 4-2: Risk analysis of segment markets 105

Chart 4-3: Differentiation Credit Cards and their service system in HSBC(Hongkong) 115

Chart 4-4: Life Time Value (LTV) calculation example 119

Chart 5-1: China credit card issue volume projection 2007-2010 129

Chart 5-2: China credit card revenue projection 2007-2010 130

 

   
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