Research On The Marketing Strategy Of Small Credit Loan For Corps Staff Of Shihezi Rural Cooperative Bank

The establishment of the "inclusive financial system" is a major event of far-reaching significance in the current and medium term for the reform and innovation development of China's economic and financial fields.Small credit loans are an effective means to comply with the trend and promote poverty alleviation in China to benefit citizens below the middle class,reduce the gap between the rich and the poor,and build a moderately prosperous society in all respects.According to the characteristics that micro-credit is an effective way to increase the supply of rural funds,the rural credit cooperatives and rural cooperative Banks are vigorously promoting in various provinces and cities and regions to carry out micro-credit projects.The rapid development of micro-credit loans has led to the emergence of many problems in the promotion process,which has attracted a large number of domestic and foreign scholars to study the marketing strategies of the promotion of bank micro-credit.This article mainly took the marketing strategy of small credit loan of corps staff of SHZ rural cooperative bank as an example,combining the theory and practice of marketing,firstly made PEST and SWOT analyses of the small credit loan of corps staff of SHZ rural cooperative bank to directly reflect the macro and micro environment of the bank,established an evaluation checklist of the advantages/disadvantages to determine the competitive advantages and disadvantages of the SHZ rural cooperative bank;and then using the horizontal and vertical comparison methods and adopting the questionnaire survey of NATID scale to ensure the article had data support and ensure the authenticity and validity of the data.in the form of chart reflected the present situation and problems of the marketing strategy of small credit loan of corps staff of SHZ rural cooperative bank;and then in order of market analysis,target market determination and market positioning analyzed the STP measures of the marketing strategy of small credit loan of corps staff of SHZ rural cooperative bank;and then established the modern new 4P marketing mix and optimizes the marketing strategy of small credit loan of corps staff of SHZ rural cooperative bank;Finally,through the five dimensions of the building of perfect microfinance business marketing team,improving the corps staff microfinance business innovation ability,enhancing microfinance business customer relationship management,establishing microfinance business risk management system and perfecting small credit loan business risk management method,proposed safeguard measures of the marketing tactics of small credit loan of corps staff of SHZ rural cooperative bank.In the PEST and SWOT analysis,it was found that the small credit loan of corps staff is in the developing stage and does not have the competitive advantages with other major banks.On the whole,Shihezi rural cooperative bank has a short construction period,a low management capacity and a slow developing speed.The bank is well known only in the local corps,which limits the bank's developing direction."Accurate marketing" was proposed in this paper,maintaining relationships with old customers,depth excavation of new customers,improving customer management system,segmenting the market and choosing the most appropriate target population is the bank can do to compete with other banks.