Services Marketing Strategy Research For Personal Financial Business Of Zibo City Postal Company

In August 2008,was founded on the postal savings bank of China zibo branch,and then the implementation of the postal financial system reform,the banking regulator explicitly for the first time the postal savings bank for the operation mode of "proprietary + agent" zibo city postal company started its personal financial business agent.At present,the personal financial business income has become zibo postal enterprises the most important part of the income is a main source of income support zibo postal business development,is a mainstay of the development of postal enterprises focus on the current business.Zibo postal financial services personal financial business adhere to pratt &whitney concept,consciously assume "of urban and rural,hui people is to the" social responsibility,out of a "service to agriculture,rural areas and farmers,service for small and medium-sized enterprises,community service," the characteristics of the road of development.Relying on the advantage of network,integrating the existing agent products,constantly improve the service channels,improve service marketing capabilities,to provide customers with more comprehensive and convenient financial services.At the same time,also faces a complex macro environment and the fierce market competition,the interest rate marketization,relaxation,the rise of the Internet financial industry access conditions,village Banks establish,increase financial disintermediation,investment financing channel multiplication of postal personal financial business development impact,shrinking profit space.This paper from the marketing operation in China's banking industry began to explain,in zibo postal company macro environment,industry environment,competitors and customers to conduct a comprehensive analysis,pointed out that the current market environment postal personal financial business in the product,price,channel,promotion,personnel,tangible demonstration and process the shortfalls.Based on the above analysis,this paper puts forward zibo postal service personal financial business services marketing strategies: one is the integration of product resources,lead to customers configure a reasonable proportion of household assets,realize "customers to finance";Affection is related to agriculture,rural areas and farmers at the same time,focus on developing insurance and serious illness.The second is based on pricing discounts and provide value-added services,attract the target customers.Three is to use big data channels,build a new model,"Internet +" on the basis of the ascending node hardware facilities,the integration of channel resources,superposing business development.Four was based on the promotion of gripper and conduct multi-level marketing propaganda,crude production capacity to activities,measures and make different industry alliance,make convenient huimin service brand.Five is based on people-oriented,pay attention to enterprise staff quality promotion,focus on scientific training talents;Focus on customer experience,the benefit differentiation strategy to meet customer demand.Sixth,scientific planning,regional planning emphasizes physical partitions and branch,achieve sales advance step by step and service differentiation,and enhance network sales capacity.Seven is the implementation of network marketing transformation,refining the perfect service process,with the aid of technology to provide convenient services,improve network service marketing level.By the implementation of the strategy,promote zibo postal company sustained,rapid and sound development of the personal financial business.