MS Bank Small And Micro Enterprises Credit Business Marketing Strategy

In recent years,the role of small and micro enterprises in the economic development of our country has become more and more important.While releasing their own creativity,the small and micro enterprises have also provided a large amount of employment opportunities for the society.The proportion of small and micro enterprises in the economic structure of our country has been constantly increasing,And its economic status has also been continuously improved.It has contributed its own strength to the development of various undertakings in our country and even exceeded the large-scale enterprises in creating GDP,technological innovation,and allocating resources.As of the end of 2017,the number of small and micro enterprises included in the list of China's small and micro enterprises reached73.281 million and individual industrial and commercial households exceeded 60 million,providing more than 80% of the jobs for urban residents.From the industry characteristics,the current small and micro enterprises mainly in the wholesale and retail,residential catering,residential services and other tertiary industries.However,the development of small and micro enterprises has been affected by many internal and external factors and has always been a disadvantaged group in the allocation of market resources.Its development faces multiple constraints and has not been given fair treatment in the allocation of policy and market resources.Have not been fully tapped.In recent years,small and micro enterprises have been affected by the economic downturn and have shown the characteristics of "three highs and two doldrums." "Three highs" mean high labor cost,high production cost and high tax burden."Dilemma" means that lack of policy support leads to difficulties in implementation and financing.Among these,the problem of financing has become an important obstacle to the development of small and micro enterprises.MS Bank is the national joint-stock commercial bank which started the financial service of small and micro-enterprises earlier.Its development orientation is "private-owned bank,small and micro-enterprise bank,high-end customer bank".In the domestic small and micro financial service industry,MS Bank has made certain Effective.However,it is undeniable that there is still not a small gap with the international advanced banks and there are many deficiencies.This article mainly discusses how to do a good job in the credit business of small and micro enterprises and break the financing predicament of small and micro enterprises so as to broaden the development ideas of credit business for small and micro enterprises in MS Bank so as to promote the rapid development of small and micro enterprises and provide reference and reference for small and micro enterprises in credit business reference.Based on STP theory and 4P theory,this paper analyzes the status and existing problems of MSE's credit business in Kunming Branch of MS Bank using SWOT analysis,and discusses the strategy of MS Bank's expansion of MSE credit business.The author of this article hopes that through the research on commercial bank micro and micro credit business expansion strategy,it can provide feasible countermeasures for our country commercial bank to carry out small and micro credit business.