The overall development situation of credit card industry in China is good, and it has become an important financial product that has been promoted rapidly since China's entry into WTO. At present, in the golden period of credit card industry in our country, the development of credit card industry will show a new situation of balanced growth of scale, quality and benefit index in an all-round way. Compared with other traditional banking business, credit card business has the characteristics of high investment, high return and high risk. Its huge profit space has prompted commercial banks to regard credit cards as a mainstream banking product, compete for the credit card market, and transform to retail business. Based on this background, this paper analyzes the basic situation of credit card business of Construction Bank. Plain analysis. Chapter IV, through SWOT model, analyzes the advantages, disadvantages, opportunities and threats of CCB credit card business. In the fifth section, the paper puts forward the measures to optimize the profit model and the competition mode of the construction bank. Finally, this paper summarizes and looks forward. Using the relevant theoretical knowledge of finance, this paper puts forward the sustainable development strategies for the credit card business of CCB, and then obtains the feasible conclusions with theoretical and operability.
Keywords :china construction bank credit card profit model competitive strategy differentiation