Research On Credit Operations’s Development Strategy Of Shizuishan Bank Yinchuan Branch

With the development of China’s economy and financial system of continuous improvement, small business credit market has made leaps and bounds. Small and medium banks due to their own development characteristics, pay more attention to the development of small business credit market. Small and medium-sized banks face fierce competition in the process of competition for large customers, scale advantages with large commercial banks. So, research on credit operations’s development strategy of Small and medium seems to be urgent.As a newly established small and medium-sized bank, Shizuishan bank Yinchuan branch also take small business credit business as one of their own development priorities. However, there are still many problems exist in the small business credit strategy of Yinchuan branch. Like unsteady of targeting market, verbose vetting process, less point to assessment mechanism, lack of publicity and marketing channels and lack of credit rating system for small businesses.Differentiation theory that put forward by the world famous managerialist Michael potter can lead to solve these problems. The paper carried out analysis of the Shizuishan bank Yinchuan branch’s small business credit business problems on the basis of differentiation theory from enterprise credit business products and small business credit business market development two aspects. Among them, in view of the small business credit business, the author mainly from the differentiation brand strategy, customer choice of strategy and risk control strategy, independent approval strategy four aspects to do the presentation. For how to develop small business credit business market, the author also puts forward two view that suitable for the development of the credit products and pay attention to the development of the small business credit market.Finally the author stand from the practical operation level, and combining work experience, put forward some feasible and effective implementation plan from product development, marketing, and credit management spects. In order to carry forward the differentiation strategy into the practical application, help yinchuan branch realize the goal of "small business financing institutions preferred".