Relational Analysis of Talents’ Turnover and Management Factors in Bank’s Credit Card Center: An Empirical Analysis Based on Six Banks in Guangzhou

Abstract

The development of bank’s credit card business faces serious challenges, and the bank employees’ turnover is becoming increasingly serious. In view of this, this thesis takes the employees of the credit card department of the six banking institutions in Guangzhou as the research object, and explores the key factors that influence the talent turnover of Chinese banking industry in the current environment. An official questionnaire is designed for research. Combining with the actual situation of corporate and domestic and foreign research results, in addition to the relational analysis on salary and benefits, career promotion and management communication which are traditional issues, this thesis has constructed a relational model of internal and external factors in the context of performance-based high-pressure brought by market saturation and the impact of the emerging business of mobile payment and virtual credit cards business. This thesis is more scientifically and comprehensively used for analysis and discussion. The talent turnover of bank’s credit card business is mainly due to the ambiguity in the development prospects of credit card business, the impact of mobile payment and emerging business of virtual credit card on employees’ psychological expectations, the high pressure of employees’ performance due to saturation of the credit card market, and the development of new consumer finance companies. Also, external work opportunities and other intricate internal and external factors lead to this result.