中文摘要
消费信贷在信用卡业务发展中至关重要,是信用卡营业收入中最重要的来源之一。我行曾在业内首创了领先的消费信贷产品账单分期,它与商场分期(包括分期宝)、邮购邮购分期等一起构成了我行消费信贷的主要产品线。但是,随着市场环境的不断发展和客户需求的不断变化,以账单分期为主的消费信贷产品显露出了不少弊端,我行信用卡在消费信贷领域的竞争力呈现出下滑趋势。为此,经过科学的市场调研与严谨的业务测试后,我行推出了新的消费信贷产品好享贷。
它是一种新型的信用卡分期付款产品,经过筛选,它将给予特选客户独立于信用卡现有额度之外的专项额度,客户可持信用卡在指定范围内的商户,以所获专项额度,通过商户普通POS机付款购买商品或服务(从而满足大额消费的需求);交易成功后,客户以其信用卡按约定期数分期偿还。好享贷与市场上已出现的消费信贷产品采用不同的经营模式,通过数据模型挑选目标客户、依靠系统实现流程自动化,从而使得此业务模式有可能爆发出顽强的生命力与竞争力,势必对现有消费信贷产生颠覆性作用,并将长期引领消费信贷的发展趋势。
关键词:信用卡,消费信贷,好享贷,分期付款,专项额度,流程自动,引领消费。
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