Abstract: The issue of consumer credit profitability has always been a research topic of great concern to commercial banks and consumer finance companies. Take credit card as an example, in foreign countries, credit card is a high profit product. In contrast, the profit level of credit card business in China is obviously insufficient, most of the credit card businesses are still in a loss state.In order to improve the profitability of commercial banks’ credit card business, the mechanism and path of the influence of gender difference on the profit contribution of consumer credit are studied, so as to help commercial institutions grasp the core variable and influence path of consumer credit. The mediating effect model of consumption credit’s profit contribution in Chinese gender difference is established, based on the commercial banks’ 103,455 accounts and their transaction records from the past year. The results show that in terms of comprehensive effects, women ’s contribution to consumption credit’s profit is significantly higher than that of men. In terms of indirect effects and direct effects, gender difference has a significant impact on the contribution of consumption credit profit by affecting the frequency of transactions. Loan and risk level have totally negative indirect effects. Transaction amount, loyalty and the current transaction time have no significant impact on the profit contribution. It’s said that consumption financial institutions should change the scale-driven development path in the past into the transaction-driven path to reactive the existing customers, especially the women customers. Meantime, China should develop the female economy, women ’s consumption ecology to improve the overall profit contribution.

Key words: gender difference; consumption credit; profit contribution; mediating effect model