| In recent years, the development of medium-sized enterprises has become the important force for economic support and the sustained, which is the most dynamic economic growth of the country. The small and medium-sized enterprises community has created enormous wealth, But the small and medium-sized enterprises still faces many difficulties and problems in the process of development. Such as, the rise in the cost of production, small flow of funds, financing difficulties, lack of innovation, small-scale, management philosophy behind, and they have lagged management philosophy, The financing difficulties are always a major problem for the minor enterprises,they urgently need loans to banks. The commercial banks are considered there is a big cost and risk who have been lending to the minor enterprises. However, In the financial "disintermediation" of the big trends, and the increased competition among banks which makes it more and more commercial banks began to focus on the minor enterprises financing sector. This have brought too much pressure to the service for the local economy, the minor enterprises, public service for these city commercial banks.This paper explores such aspects as the economics, marketing knowledge, Research the marketing strategies of urban commercial HX bank financing problems of the minor enterprises. According to the business development and problems of the HX bank,and then discussed the necessity of its marketing, Then according to PEST analysis and SWOT analysis, Through market segmentation、the select market, the market positioning to design for HX Bank (STP), On this basis, We use the marketing theory from Product,Price,Irrigation ditch, Promotions, Staff, Service process, demonstrate policy to Formulate the market positioning for HX Bank,and proposed safeguards, it has played an important role in the business expansion and long-term development for the HX Bank and also it has been the basis for the majority of city commercial banks. |
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