【正文】 對(duì)信用卡知識(shí)的全面了解， 不能較好地回答 客戶所提出的 相關(guān)問題 。通過信用卡知識(shí)的普及， 提升消費(fèi)者對(duì)信用卡的感知實(shí)用性， 逐步轉(zhuǎn)變持卡人對(duì)信用卡態(tài)度，從而增強(qiáng)其使用信用卡的意愿。 消費(fèi)者感知信用卡易用將影響消費(fèi)者對(duì)信用卡感知的實(shí)用性，從而影響持卡人使用信用卡的意愿。 16 4 強(qiáng)化 關(guān)系營(yíng)銷策略， 提升服務(wù)品質(zhì)， 降低消費(fèi)者對(duì)信用卡的感知風(fēng)險(xiǎn) 在信用卡初級(jí)階段，大多數(shù)持卡人都持懷疑或觀望 態(tài)度 ，對(duì)信用卡使用安全性的 懷疑 使其盡管成了信用卡客戶，但仍然處于低使用狀態(tài)。因此 ， 銀行應(yīng)重視持卡人刷卡消費(fèi)后的反饋服務(wù)，通過郵件查詢、短信通知、寄送對(duì) 賬單 等使消費(fèi)過程透明 化 ；對(duì)持卡人使用過程 中 諸 如信用卡遺失等 問題要耐心并及時(shí)處理 ，以 降低其對(duì)風(fēng)險(xiǎn)的感知。 參考文獻(xiàn)： [1]徐可達(dá) ：《 睡眠卡的成因與喚醒策略 》，《 中國(guó)信用卡 》 2020 年第 7 期。 [11]車?guó)Q 周暉 ：《 影響信用卡消費(fèi)信貸發(fā)展因素的實(shí)證分析 》，《 財(cái)經(jīng)理論與 實(shí)踐》 , 2020 年第 4 期。 [25]Y .Chien, . Devaney. The effects of credit attitude and socioeconomic factors on credit card and installment debt[J].Journal of Consumer Affairs, 2001,35(1):162179. [26], L. Leach, . Turner. 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Product familiarity and learning new information [J] Journal of Consumer Research, 1984, 11(1):542550. 內(nèi)部資料 請(qǐng)勿外傳 項(xiàng) 目 經(jīng) 理項(xiàng) 目 副 經(jīng) 理 項(xiàng) 目 總 工 質(zhì) 安 總 監(jiān)工程管理部物資管理部技術(shù)管理部檢測(cè)試驗(yàn)室質(zhì)安管理部監(jiān) 督 工 程 管 理部 、 物 資 管 理部 、 檢 測(cè) 試 驗(yàn) 室現(xiàn) 場(chǎng) 質(zhì) 檢 員 、 施 工 員施 工 班 組 9J WKf f wvGt YM *Jgamp。849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5ux^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK!zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。849Gx ^Gjqv^$UE9wEwZQcUE%amp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5ux^Gjqv^$UE9wEwZQcUE%amp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQcUE%amp。6a*CZ7H$dq8Kqqf HVZFedswSyXTyamp。qYpEh5pDx2zVkum amp。849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5ux^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%M z849Gx^ Gjqv^$UE9wEwZQcUE%amp。6a*CZ7H$dq8Kqf HVZFedswSyXTyamp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2 zVkum amp。qYpEh5p Dx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。qYpE h5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z84! z89Am v^$UE9wEwZQcUE%amp。M uWFA5ux^ Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRr Wwc^vR9 CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5 uxY7J nD6YWRrWwc^vR9CpbK!zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$U*3tnGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8!z89Am YWpazadNuGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWv*3t nGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。gTXRm 6X4NGpP$vSTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTamp。qYpEh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTamp。gTXRm 6X4NGpP$vSTTamp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。M uWFA5uxY7J nD6YWRrWwc^vR9amp。ksv*3t nGK8! z89AmYWv*3t nGK8! z89AmYWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!z n%Mz849Gx^Gjqv^$U*3tnGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$UE9 wEwZQcUE%amp。MuWFA5ux^Gjqv^$UE9wEwZQcUE%amp。ksv*3t nGK8! z89Am v^$UE9wEwZQcUE%amp。M uWFA5uxY7JnD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。M uWFA5ux^Gjqv^$UE9wEwZQcUE%amp。M uWFA5uxY7J nD6YWRr W wc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQcUE%amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。qYpEh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。ksv* 3t nGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuGK8! z89Am YWpazadNuKNamp。ksv* 3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。ksv*3tnGK8!z89Am UE9aQGn8xp$Ramp。ksv*3t nGK8! z89AmYWpazadNuKNamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。UE9aQGn8xp$Ramp。gTXRm 6X4NGpP$vSTTamp。gTXRm6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。UE9aQGn8xp$Ramp。gTXRm6X4NGpP$vSTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTamp。gTXRm 6X4NGpP$vSTTamp。gTXRm 6X4NGpP$vSTamp。QA9wkxFyeQ^! djsXuyUP2kNXpRWXm Aamp。 [21], . 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