The Marketing Strategy Research On China Construction Bank H Branch Personal Credit Business

In the new normal of economic,the competition of financial industry is being intensified.In recent years,the rapid growth of economic level also makes resident income level improvement obviously.At the same time,the consumption idea has a large degree of change,the development space of personal credit business is bigger,and the market of personal credit business is expanding.How to effectively establish the development strategy of scientific and reasonable personal credit business,it is becoming the problem to be solved in the development of banking industry.In this article,based on the perspective of bankers,according to the research achievements of domestic and foreign personal credit business,analysis the status quo of personal credit business to China construction bank of H province sub-branch,from the product system,management model,sales channel,etc,to summarize the development situation of personal credit business to China construction bank of H province sub-branch.Combining with the actual business development,the problem of personal credit business to China construction bank of H province sub-branch is studied by multiple perspectives,points out the various problems existing in the development of personal credit business.Using PEST model analyzes the external environment,using the Michael Porter five forces model analyzes the industry environment,using the SWOT model analysis advantages and disadvantages of the personal credit business to China construction bank of H province sub-branch,and the opportunities and challenges faced with its development.Using the theory of strategic management to summarize the way,it suits the development of personal credit business to China construction bank of H province sub-branch.Around the strategic objectives that establish personal credit business to China construction bank of H province sub-branch,putting forward the specific content and safeguard measures of the strategic.