【摘要】：貸記卡消費(fèi)積分體系在商業(yè)銀行卡應(yīng)用中比較廣泛,而借記卡消費(fèi)積分和零售業(yè)務(wù)銷售積分的商業(yè)價(jià)值往往被忽視,比如借記卡刷卡消費(fèi)可以為銀行帶來刷卡手續(xù)費(fèi),還可以為銀行帶來大量的儲(chǔ)蓄存款。但借記卡是實(shí)額消費(fèi)且不能透支,更沒有免息期。如何在激烈競爭市場(chǎng)和客戶多樣性選擇環(huán)境下,激勵(lì)提升客戶使用借記卡辦理各類零售業(yè)務(wù)的積極性,通過采取創(chuàng)新金融營銷模式和提供更為優(yōu)良服務(wù)方式成為一種必然性選擇。本文以中華文化“孝道”為基石,以“孝道”文化為切入點(diǎn),以“孝道”文化與銀行卡結(jié)合商業(yè)模式為背景,研發(fā)“孝道卡-家庭財(cái)富管理系統(tǒng)”。在系統(tǒng)中,通過“家庭式財(cái)富管理”、“家庭消費(fèi)”、“家庭孝道積分”將家庭成員聚集起來。在建立聯(lián)系時(shí),通過依托個(gè)人銀行卡信息的留存,抓住家庭核心人物,利用血緣紐帶和家庭式理財(cái)服務(wù)吸引其成員組建家庭,這也是研發(fā)“孝道卡-家庭財(cái)富管理系統(tǒng)”的一個(gè)最主要思路。本文主要工作包括:(1)孝道積分模型建立及后臺(tái)積分模塊實(shí)現(xiàn),其關(guān)聯(lián)因子包括儲(chǔ)蓄資產(chǎn)、孝道卡消費(fèi)、零售業(yè)務(wù)交易等參數(shù);(2)孝道服務(wù)和增值功能模塊,商業(yè)銀行提供的“家庭積分”兌換相應(yīng)的孝道服務(wù)和增值功能;(3)后臺(tái)家庭關(guān)系維護(hù)及基于孝道積分的商業(yè)規(guī)則維護(hù);(4)理財(cái)投資模塊,通過家庭關(guān)系確立服務(wù)的目標(biāo)對(duì)象,推送家庭式理財(cái)投資方案,建立顧問式服務(wù)體系。在設(shè)計(jì)中采用Browser/Server的設(shè)計(jì)模式、J2EE技術(shù)平臺(tái)和JSP技術(shù),采用MYSQL數(shù)據(jù)庫。實(shí)踐表明,通過“孝道卡-家庭財(cái)富管理系統(tǒng)”的創(chuàng)新金融模式為企業(yè)創(chuàng)造了較好的經(jīng)濟(jì)效益,也取得了較好的社會(huì)影響。
[Abstract]:Credit card consumption points system is widely used in commercial bank cards, but the commercial value of debit card consumption points and retail sales points is often ignored. For example, debit card consumption can bring bank credit card charges. It can also bring large savings deposits to banks. But debit cards are real consumption and cannot be overdrawn, and there is no interest-free period. How to encourage customers to use debit cards to deal with all kinds of retail business under the fierce competition market and customer diversity choice environment, It is inevitable to adopt innovative financial marketing mode and provide better service. This paper takes "filial piety" as the foundation stone, "filial piety" culture as the breakthrough point and "filial piety" culture and bank card as the background, and develops "filial piety Card-Family Wealth Management system". In the system, family members are gathered through family wealth management, family consumption and family filial piety points. In establishing a relationship, by relying on the retention of personal bank card information, seizing the family core figures, and using blood ties and family-style financial services to attract their members to start a family, This is also the development of "filial piety card-family wealth management system" a main idea. The main work of this paper includes: (1) the establishment of filial piety integral model and the implementation of back-end integral module, the related factors include savings assets, filial piety card consumption, retail business transaction and other parameters; (2) filial piety service and value-added function module, Commercial banks provide "family points" to exchange corresponding filial piety services and value-added functions; (3) maintenance of family relations in the background and maintenance of business rules based on filial piety points; (4) financial management and investment module to establish the target objects of services through family relations, Push home-style financial investment plan, establish advisory-type service system. The design pattern of Browser/Server is J2EE and JSP, and MYSQL database is used in the design. The practice shows that the innovative financial model of "filial piety card-family wealth management system" has created better economic benefits for enterprises and achieved better social impact.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：TP311.52

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本文編號(hào)：2216026