摘要：随着国内金融市场的逐步发展，银行相关业务的竞争也越来越大。众所周知，信用卡的市场在壮大，所以伴随的风险以及监控问题也越来越大。而且，随着经济发展，中高端客户逐渐成为银行的潜在客户，一个较好的营销方案是获得这个潜在市场的第一步。

　　　邮政储蓄银行的信用卡金卡已经发行有一段时间，以多方位，无忧卡著称，虽然在社会上也造成一定的反响程度，但是由于营销方面的瓶颈，加上品牌的渗透性不够，使其不得不止步于前，难以创造更大的市场价值。

　　　所以，本课题主要是对邮政储蓄银行信用卡金卡的营销现状分析，以及所处行业的环境分析，然后采取不同的分析方法，接着提出建设性的建议，促使邮政储蓄银行信用卡金卡的市场占有率能够有更进一步的提高，并且得到市场的认可，给同行业带去更多的借鉴，逐渐成为自己盈利点的可靠支柱。

关键词：邮政储蓄银行 金卡 营销战略 营销策略

Abstract: With the development of financial market, the compete of bank is more and more fierce. The marketing about credit card always be the critical business of bank. As we all know, the market of credit card has become stronger and with the risk, the problem of supervisory control become bigger than past. However, with the rapid development of economy, middle or high-end client are gradually becoming the potential customer of bank. Therefore, a better marketing plan is the first step to catch this potential market.  The credit cards of Postal Saving Bank have published for a long time, it is known for its muti-azimuth and well card that obviously causes a great repose in society. But at the same time, due to the problem of marketing bottleneck and inadequate Brand permeability, these problem enables it has to stop the step and difficult to create more market value. 

　　　Therefore, this study mainly target at credit cards marketing situation analysis of Postal Saving Bank and the analysis of current environment. Afterwards, using different analysis method to purposing some constructive suggestions and accumulating it to be better. Wining the market recognition finally, providing more reference for peer and developing it to be its profit pillar.

Keywords: Post saving bank  Gold credit card  Marketing strategy  Marketing tactic