Research On Marketing Strategy Of Credit Business Of Zitong Rural Commercial Bank

The credit business is the basic business of the interests of financial institutions such as traditional banks in China,and this is also its main operating income.With the deepening of reform and opening up and the continuous development of the rural economy,the living conditions of farmers have been continuously improved.Farmers' demand for credit products is also increasing.Rural commercial banks have also achieved tremendous development while meeting farmers' credit needs,but their problems in product upgrading,team building,and service levels have also affected their better development.With the implementation of strategies such as rural revitalization,major banks have also taken the rural market as an important business area,seizing the rural credit market,and emerging a large number of new credit finance models,which are invisible to the rural commercial banks operating under the traditional credit model.Not a small challenge.Therefore,the traditional extensive marketing model of the credit business of the Rural Commercial Bank urgently needs innovation.Regardless of the theoretical analysis or the practical analysis,it is necessary for the Rural Commercial Bank to complete the innovation of the marketing method of the credit business under the economic transformation of China.Based on the service quality gap model and SWOT analysis method,this paper analyzes the current situation of the credit marketing of the rural commercial bank with the example of the rural commercial bank,and analyzes the problems existing in the development of the credit business of the rural commercial bank by using the modern marketing theory.The marketing theory analyzes and constructs the marketing business combination strategy and service quality improvement strategy of the price,personnel,promotion,process and tangible display of the bank.On the basis of this analysis,from the reorganization of credit business marketing organization structure,marketing team,customer relationship management mechanism,marketing funds,implementation of marketing control measures,comprehensive risk prevention and control of credit business,etc.The marketing strategy successfully implemented safeguard measures.Through the above methods,the credit marketing level of rural commercial banks has been improved to a certain extent,so that they occupy a certain market share in the fierce financial market competition.In addition,with the help of the farmer's bank as the entry point,this article has a certain guiding role for other companies in the financial industry.