In recent years, the credit card business of college students in China's banking industry has developed rapidly, but a series of problems such as the gradual increase of non-performing loan ratio, irrational expansion of students' consumption and abnormal increase of repayment burden of college students' parents have also attracted widespread attention. How to treat the development of college students' credit card market has also become a major focus of society. 1. The credit card market for college students has a bright future. As a new financial product and financial tool with multiple functions such as credit and consumption, credit card is more and more favored by consumers, and the social penetration rate is increasing. As a special social group and potential high-quality customers in the future, college students naturally become the focus of credit card business development of major banks. According to statistics, as of 2008, 84% of American college students have at least one credit card, and 50% even have four or more credit cards. At present, there are nearly 20 million college students in China, and the number will definitely continue to increase in the future. If the credit card rate is 50%, there are100000 credit card users. If the average spending per university birthday (excluding meals) is 654.38+0/4 ~ 654.38+0/3, the credit card spending scale of college students will reach 7.5 ~ 65.438+0 billion yuan. However, the card-handling rate of college students in China is only about 25%, which shows that the market expansion potential of college students' credit card business is huge. Second, the main focus of the rational development of college students' credit card business As a special financial product, college students' credit card can be specially designed and managed in some important aspects according to the particularity of its users, thus promoting the development of this business. 1, define the development goals. The development of college students' credit card business should take into account the interests of banks, college students and their parents, and cultivate harmonious economic relations in credit business. For banks, it is necessary not only to expand personal financial services, but also to prevent and control credit risks; For college students, we should not only advocate a convenient and rational credit consumption model, but also gradually accumulate good personal integrity and cultivate the awareness and skills of scientific financial management. For parents of college students, it is necessary to prevent and reduce the unnecessary burden and trouble of credit card repayment. 2. Control the credit line. Usually, the credit limit of a credit card is determined according to the applicant's occupation, family, housing, income and other factors, and is adjusted (including increase or decrease) with his credit status and accumulated consumption scale. However, the credit line of college students' credit cards should mainly consider their actual and reasonable credit consumption demand, and should not be increased because of the accumulation of consumption scale. Specifically, it can be between 500-5000 yuan, neither too low nor too high. Too low can't reflect the emergency and flexible financial service function of credit card for college students' study and life, while too high is prone to credit risks such as overdue repayment and default. At the same time, it is necessary for the national financial system to build and implement credit card information network monitoring to avoid the expansion and abuse of personal credit of "one person with multiple cards" and "one line with multiple cards" and reduce the credit risk of corresponding credit card business. 3. Standardize the examination and approval procedures. Due to the need of competition, the development of credit card business of major banks is more inclined to "race around the land" and "win by quantity". As long as you fill in the form (application form) and verify it (ID card and student ID card), you will handle it regardless of your personal study status and family economic status, so that some university campuses are flooded with credit cards, and there are frequent embarrassing situations of "bank collection, students are in a hurry and parents are helpless". The fundamental reason is to relax and ignore the important examination and approval link of economic investigation. It is surprising that banks are cautious about investigating students' family economic situation when handling national student loans, but they give the green light to the development of college students' credit card business. Therefore, the application of college students' credit card can only be processed after filling in the specific family contact information and obtaining the written or oral confirmation and authorization from the parents of college students, so as to give play to the necessary and effective supervision role of the family on the rational use of credit card consumption by college students. 4. Strict credit card consumption steps. There are usually two ways to confirm the consumption bill by swiping the card, one is a single written signature, and the other is to enter the transaction password+written signature. The former is faster and the latter is safer. Users can choose freely when applying, or apply for changes during card opening and use. In view of the phenomenon that college students' credit cards are often lost or stolen, which leads to the increase of debts, it can be uniformly stipulated that college students' credit cards should have transaction passwords and written signatures for confirmation to prevent similar problems. 5. Cancel the repayment method of the minimum repayment amount. For the arrears in the credit card billing cycle, users can choose two ways: one-time full repayment or a certain proportion of the minimum repayment amount (10% or 5%). Full one-time repayment is beneficial for banks to control the expansion of users' credit consumption and reduce the credit risk of overdue default, but it is not conducive to users to make full use of credit tools to adjust and balance the repayment peak and alleviate the shortage of temporary funds. The minimum repayment method is more conducive to users' difficulties in adjusting temporary funds, but it is prone to overdue repayment and default, which is not conducive to banks' control of credit risk. Because the minimum repayment method can make the actual credit consumption scale of credit card users expand several times or even dozens of times on the basis of full one-time repayment. It is also one of the important inducing factors of "subprime mortgage" risk in the United States. Taking the minimum repayment ratio of 5% as an example, the free capital of user 500 yuan can support the overdraft consumption credit scale of 10000 yuan, but it can only support the credit consumption scale of 500 yuan under the full one-time repayment mode, which is quite different. Therefore, for college students' credit card business, it is more conducive to controlling the irrational expansion of college students' credit consumption scale and reducing the credit risk of banks to cancel the minimum repayment method and uniformly stipulate the one-time full repayment method. 6. Encourage the handling of supplementary cards. Credit cards can be divided into main cards and supplementary cards. Applying for supplementary cards with the credit cards held by college students' parents will not only help the issuing banks to strengthen credit review and reduce credit risks, but also help college students' parents to implement effective family supervision over their children's credit card consumption and avoid irrational credit consumption expansion and abnormal increase in repayment burden. But at the same time, we should also eliminate two misunderstandings. One is that encouraging supplementary cards is not the only way to strengthen credit review and prevent credit risks, and the other is that it is impossible to decide whether to handle credit card business according to the educational level of college students and the level or popularity of colleges and universities. At present, the use of credit cards in cities above prefecture level or other relatively developed cities and small towns in China is basically not common, so not all parents with better economic conditions hold credit cards. If the business development of college students' credit cards is limited to handling supplementary cards according to the main card, a considerable number of small town students with relatively good family economic conditions will not be able to handle credit cards. Similarly, the education level and popularity of college students in colleges and universities cannot be the main basis for college students to apply for credit cards. Although it will affect the future employment opportunities and income of college students, it is not directly related to the current credit card consumption and the family economic situation required for repayment. There are many students with good family economic conditions who study in ordinary colleges or junior colleges. 7. Expand the number of cooperative merchants. At present, the distribution of credit card cooperative merchants in China is mainly limited to large hotels, restaurants, shopping malls, entertainment and other consumer places in cities above prefecture level or other economically developed cities, and the number of cooperative merchants is too small, which is not suitable and connected with the consumption expenditure level and consumption structure of college students. Card-issuing banks should actively create preferential conditions, develop more cooperative merchants, and promote college students to use credit cards for credit card spending. The increase in the number of cooperative merchants can also avoid the excessive precipitation of "sleep card" and the huge waste of resources. Of course, this is not the same as the requirement of increasing bank outlets. The establishment of business outlets is determined by factors such as the geographical characteristics of the bank's own business development, and the two are not the same thing. 8. Reasonably position the profit model. Generally speaking, there are four main profit models or income sources of credit card business, namely: annual credit card fee, revolving credit interest, credit card consumption commission returned by cooperative merchants and installment payment service fee. At present, major banks have many preferential measures to reduce the annual fee of college students' credit cards and the handling fee for deposits and withdrawals in different places, but there is still a big gap compared with the requirements of reasonably positioning the profit model of college students' credit cards. After all, college students are a special group, which is very different from the social members who have already taken part in the work, and their consumption structure and characteristics are also very different. Therefore, the profit source of college students' credit cards should focus on the credit card commission and installment fee formed by the rebate of cooperative merchants, and should not encourage the interest of revolving credit. According to the consumption habits and demands of college students, the issuing bank should expand the number of cooperative merchants of daily necessities, mobile phones, cameras, computers, MP3, MP4, MP5 and other digital electronic products related to college students' daily study and life, as well as other professional learning stationery or appliances and corresponding installment payment business, increase the corresponding income sources of credit card business, and promote the stable and healthy development of college students' credit card business. The landlord gives points.