Research On The Marketing Strategy Of Small And Micro Credit Business Of Ningxia Bank

Small micro enterprises is the unity of small enterprise and micro-enterprise,which is one of the most important parts of our national economy.According to the data provided by the Administration of Industry and Commerce state,there are more than 5000 small micro enterprises in our country now,which is 95%of the total number of households accounted for the national enterprise fact,these enterprises industrial output value,sales income,and taxes account for 60%of China's economic aggregate,respectively,60%,57%and and 50%,which have become a major bright spot in the field of economic lchnology innovation are increasingly deepened.In recent years,small micro enterprise quantity and scale have expanding unceasingly,and they have a good use to the economic growth,provide tax,increasing employment.But in the process of development,small micro enterprise is faced with so much pressure,such as rising costs,taxes and the difficulty of financing,a series of problems of lay particular stress on,and one of the most urgent problem is the enterprise financing difficulties.In our country,commercial Banks is the dominant of the financial system,enterprise's main financing way is borrowing from the bank,according to a 2013 "small micro enterprise financing development report:China and Asia practice " survey statistics,74%of small businesses will bank loans as a financing preference,while 67%of small micro enterprise financing source is the commercial bank loans,so it is imperative to help small micro enterprise growth of bank funds.The article based on the five parts to throw light on the main points:the first chapter is the introduction,its' ultimate purpose was to introduce such contents as the selected title background?objecttive and significance of the research.Then the article introduced the research status at home and abroad about the field,and the research of the main ideas?methods and technical line.The second chapter respectively introduced the basic concept of small micro enterprise credit business marketing,4 c marketing mix theory is described in detail the meaning and content.The third chapter mainly discusses the company profile of ningxia bank,existing small business organization and management structure and the current operating conditions,and analysis of the small micro enterprise credit business of the bank's marketing status quo.The fourth chapter mainly from the channel,product,pricing,organization structure,business approval process are emphatically analyzed in five aspects to ningxia bank small micro enterprise credit business marketing in which problems still exist.Fifth chapter optimized the current marketing strategy to achieve the goal,from meet customer requirements,reduce customer costs,providing customers with convenient,strengthening the communication with the customers of the four aspects as the breakthrough point for the new small credit business marketing strategy.