Research On Marketing Strategy Concerning JiNan Microloans Of Bank Of XT

With the continuous deepening of reform and opening up,the Small and micro businesses has intensified,the rapid development of Small and micro businesses credit business.In order to promote the further development of Small and micro businesses,help Small and micro businesses to solve the financing problem,the State Council issued financial ten ",many ministries announced the micro stimulus package" measures to revitalize the Small and micro businesses,to support the healthy development of domestic commercial banks in recent years are to increase the small micro enterprise credit business marketing efforts in product innovation,the credit quality of personnel,the loan channels reform and improve overall.With the continuous expansion of Small and micro businesses credit business,credit Small and micro businesses The market competition is becoming more and more fierce.How to further develop the credit business of the small and micro enterprises in the fierce competition is the urgent task of the commercial banks.Jinan micro loan product is Bank of XT to create Small and micro businesses loans business characteristics,has gone through seven years,with the rapid development of Small and micro businesses loans accumulated certain experience,but with the business from the startup stage to the development stage,Jinan micro loan business gradually exposed many problems,in order to find the problem,solve the problem,the various types of risk control Jinan micro loan may exist,enhance the management level.This paper Jinan micro loan environment analysis,market analysis,in order,based on the survey data collection,find a solution to improve the Strategy.Based on the macro environment of XT banks,elaborates the micro environment,the use of SWOT model of Jinan micro loan business has the advantage,disadvantages and opportunities and threats are analyzed,in order to seek for Jinan micro loan marketing strategy;this paper uses the STP theory to Jinan micro loan market segmentation.Target customers,market positioning is analyzed,and the Jinan micro loan customer questionnaires,through the questionnaire summary,in order to further optimize the marketing strategy;the existence of Jinan micro loan problems,combined with the 4PS marketing theory,to explore the Jinan micro loan marketing strategy improvement In this paper,the Jinan micro loan marketing strategy,and not to be deep into all aspects of existence,but based on the environment analysis and market analysis of Jinan micro loan problems in the marketing strategy is proposed.Through the strategies,to provide suggestions for the further development of the micro credit,to achieve strategic objectives create XT bank brand characteristics.