Marketing Strategies SME Commercial Banking Industry Chain

The development of the national economy is inseparable from the small and medium-sized enterprises, small and medium-sized enterprises is an important part of China’s market economy, small and medium-sized enterprises as a new force in the industry, plays an irreplaceable role in the prosperity and active market economy, increasing employment, improving people’s livelihood, increase finance income and maintaining social stability. The financing of small and medium enterprises are listed, financial support and bank loans, but because of small and medium-sized enterprises of its own funds and technical conditions is limited, listed and limited financial support, more financing is the tendency of commercial bank loans, but the banks more willing to the deep pockets of big business credit, leading to small and medium enterprises difficulties. The small and medium-sized enterprise development is inseparable from the support of capital, financing way of small and medium-sized enterprises of our country single, narrow financing channel and financing structure defects, seriously restricted the development of small and medium-sized enterprises in china.With the development of global economy, have an important impact on development of international competitive pressure on small and medium enterprises, more and more small and medium-sized enterprises because of funding problems and be out of the market economy, facing increasingly severe financial difficulties, small and medium enterprises must solve the financing difficult problem as soon as possible. At present, commercial bank credit is the most suitable mode of financing for small and medium enterprises, commercial banks in the traditional business is the tendency of corporate loans, credit and traditional model of industry chain is not applicable to large enterprises to small and medium-sized enterprises. Commercial bank credit business in small and medium-sized enterprises face many challenges, such as the redeployment of bank internal resources, to create a suitable for small and medium-sized enterprise business model and the optimization of operating system. Therefore, in the current economic situation, how to change the marketing strategy of small and medium-sized enterprises in the industrial chain model of commercial banks, to solve the problem of financing of small and medium-sized enterprises, to achieve a win-win state banks and small and medium-sized enterprises is a research topic.In this paper, MS bank in the industry chain mode of marketing strategy of small and medium-sized enterprises based on the angle of view, using SWOT theory, STP theory,4P theory to analyze the situation of the marketing strategy of MS bank in Kunming Iron and steel industry chain, and the existing in developing credit business of MS bank problems were analyzed, analysis of shortcomings and defects existing. Discussion on the construction of the marketing strategies of small and medium-sized enterprises of MS bank.I hope that through the research of commercial bank to the small and medium-sized enterprise marketing strategy, put forward the new thought and new way for commercial banks to the traditional marketing model, provides the countermeasure for execution for Chinese commercial banks to develop small and medium-sized enterprises business.