【摘要】：信用卡集結(jié)算、信貸、取現(xiàn)、轉(zhuǎn)賬、匯兌等多功能于一身，作為主要的電子支付手段之一，已經(jīng)成為了人們經(jīng)濟生活中不可缺少的一部分。隨著個人消費觀念的改變以及經(jīng)濟的迅速發(fā)展，信用卡最強大的功能——分期付款業(yè)務(wù)，在個人消費貸款領(lǐng)域的發(fā)展也越來越突出。信用卡現(xiàn)金分期業(yè)務(wù)既豐富了銀行的貸款品種，又為持卡人提供了更便利的貸款方式，是一種多贏的信用卡業(yè)務(wù)創(chuàng)新。 本文將目前市面上常見的現(xiàn)金分期業(yè)務(wù)與建設(shè)銀行現(xiàn)金分期業(yè)務(wù)作比較，并以建設(shè)銀行湖南省分行為例，，分析建設(shè)銀行現(xiàn)金分期業(yè)務(wù)現(xiàn)狀，進而通過SWOT分析方法對建設(shè)銀行現(xiàn)金分期業(yè)務(wù)進行分析，得出影響建設(shè)銀行現(xiàn)金分期業(yè)務(wù)發(fā)展的自身內(nèi)部優(yōu)勢劣勢及外部機遇與威脅。雖然建設(shè)銀行是最先推出現(xiàn)金分期業(yè)務(wù)的國有銀行，但是相較于大部分股份制銀行建設(shè)銀行的現(xiàn)金分期業(yè)務(wù)仍是起步較晚，對現(xiàn)金分期業(yè)務(wù)重視不夠，并且在辦理流程上不夠人性化，還有電子銀行服務(wù)滯后，收費模式單一等不足。而目前信用卡現(xiàn)金分期業(yè)務(wù)發(fā)展迅速，普通消費分期與汽車分期增長受限，為現(xiàn)金分期業(yè)務(wù)提供了發(fā)展空間，可見建設(shè)銀行開展現(xiàn)金分期業(yè)務(wù)挑戰(zhàn)與機遇并存。 為了更好的發(fā)展建設(shè)銀行現(xiàn)金分期業(yè)務(wù)，為客戶提供更為人性化與多樣化的服務(wù)，本文分析了建設(shè)銀行現(xiàn)金分期業(yè)務(wù)的存在的問題，并從實際出發(fā)，提出了相應(yīng)的六點優(yōu)化對策：優(yōu)化人力資源管理、加強推廣與宣傳、建立完善的客戶管理系統(tǒng)、優(yōu)化業(yè)務(wù)申請流程、加強風險控制以及優(yōu)化客戶還款體驗。以冀能夠促進建設(shè)銀行信用卡現(xiàn)金分期業(yè)務(wù)的發(fā)展，為建設(shè)銀行信用卡現(xiàn)金分期業(yè)務(wù)客戶帶來更多的便利與更好的體驗。
[Abstract]:As one of the main electronic payment methods, credit card has become an indispensable part of people's economic life. With the change of personal consumption concept and the rapid development of economy, the most powerful function of credit card, installment business, is more and more prominent in the field of personal consumption loan. The credit card cash installment business not only enriches the bank's loan variety, but also provides a more convenient way for the cardholder. It is a multi-win credit card business innovation. This paper compares the common cash installment business in the market with the cash installment business of China Construction Bank, and takes the Hunan Branch of China Construction Bank as an example to analyze the present situation of cash installment business of China Construction Bank. Then the paper analyzes the cash installment business of China Construction Bank through the SWOT analysis method, and obtains the internal strengths and weaknesses and external opportunities and threats that affect the development of the cash installment business of China Construction Bank. Although China Construction Bank is the first state-owned bank to launch cash installment business, compared with most joint-stock banks, China Construction Bank still starts its cash installment business relatively late, and does not pay enough attention to cash installment business. And in the processing process is not humanized, there is a lag in electronic banking services, a single charging model and other shortcomings. At present, the credit card cash installment business develops rapidly, the ordinary consumption period and the automobile phased growth are limited, which provides the development space for the cash installment business. It can be seen that China Construction Bank has both the challenge and the opportunity to carry out the cash installment business. In order to develop the cash installment business of China Construction Bank better and provide more humanized and diversified service for customers, this paper analyzes the existing problems of cash installment business of China Construction Bank, and proceeds from the actual situation. The corresponding six optimization countermeasures are put forward: optimizing human resource management, strengthening promotion and publicity, establishing perfect customer management system, optimizing business application process, strengthening risk control and optimizing customer repayment experience. In order to promote the construction bank credit card cash installment business development, for construction bank credit card cash installment business customer brings more convenience and better experience.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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