Business Strategy & Financial Strategy for Charge/Credit Card Company

Please use this identifier to cite or link to this item: http://nccur.lib.nccu.edu.tw/handle/140.119/30777

Title:	Business Strategy & Financial Strategy for Charge/Credit Card Company
Authors:	柳蜀君 Liu,Jessie
Contributors:	林基煌柳蜀君 Liu,Jessie
Keywords:	Business Strategy & Financial Strategy for Charge/Credit Card Company
Date:	2004
Issue Date:	2009-09-12T04:51:15Z
Abstract:	Charge / Credit card market is very competitive in Taiwan which grew from nothing in 1989 to 44 Million cards by the end of 2004. With the brutal competition in this industry, issuers tend to lower their profit margin to trade for the higher market share. What is their ultimate objective? How they prioritize their business strategy and finance strategy in different competition stage? Understand the credit card market and prospect segmentation definitely play a big role for issuers to scope their target prospects then design the right product to fit their selected cardmembers’ needs. Compare the world leading card issuer Citibank with the largest issuer in Taiwan Chinatrust Commercial Bank, what make the world’s largest issuer can not be the number one in Taiwan? What is the impact on different business strategy and financial strategy? How regulator should react to proper discipline the over-heated credit card market? From financial analytical method perspective, what should be the right measurement to be used in the credit card market? ROI, NPV or RORC? In this thesis, I also cover the discussion between “Niche Market but High Margin Approach” and the “Mass Market but Low Margin Approach” together with the importance of the organizational impact. To provide a insight on the different strategy to be used in the different business developed stage. With all the above, I put together the conclusion and suggestion of my own to the Charge / Credit Card business.
Reference:	Chinese Portion 1. 邱志聖，策略行銷分析架構與實務應用，2001，9月，107 – 132 頁。 2. 劉玉珍，財務管理理論與實務，92年5月，27-56頁 1. 葉玉梅，〝金融機構信用卡消費行為之研究〞，國立政治大學企管研究所碩士論文，82年6月 2. 行政院金融監督管理委員會銀行局網站 http://www.boma.gov.tw/ct.asp?xItem=31468&ctNode=1291 English Portion 1. Bernstein, Leopolo A and John J. Wild, (1999) Analysis of Financial Statements, The McGraw-Hill Companies, Inc. 2. Markides, Constantinos & Paul Geroski, (Oct.,2004) Fast Second – How Smart Companies Bypass Radical Innovation to Enter And Dominate New Markets. 3. Mei Chiang, Financial Services Ratings Taiwan Ratings Corp. (Nov.2004), Taiwan Rating Corp. 4. Price, Charles & Todd Thomson, (June, 2004) Strategic Decisions Conference, Sanford C. Bernstein & Co. 5. Posner, Kenneth A., Athina L. Meehan, Melini S. Jesudason & Global Banking Team, (Feb.,2004) Diversified Financials: Global Insight (Feb., 2004), Morgan Stanley
Description:	碩士國立政治大學經營管理碩士學程(EMBA) 91932718 93
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0919327181
:	學位論文 thesis
Appears in Collections:	[經營管理碩士學程EMBA] 學位論文

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