Study On Online Marketing Tactics Of Consumer Credit Products Of CD Rural Commercial Bank

Credit business has always been one of the traditional business types of China's banking financial institutions and the main source of bank revenue.With the application and development of Internet technology,diversified products and services keep emerging in the field of financial institutions,which drives the continuous innovation and development of the whole credit business marketing model.Many new marketing models start to emerge,doubling the competitive pressure faced by the competitive banking industry.Especially the rapid development of Internet finance has brought huge impact to the whole domestic financial market.In fact,Internet finance has become the mainstream development trend of the financial industry in the future.With the continuous development of the financial industry and the upgrading of domestic economic structure,more and more commercial Banks begin to develop online credit products.However,as an important part of China's banking industry,rural commercial Banks should not only deal with the impact and challenge brought by Internet enterprises' cross-border activities in financial services,but also face the threat posed by large state-owned commercial Banks,joint-stock commercial Banks and others in the process of financial reform and transformation.Creating a new business marketing model has not only become a requirement for the survival and development of rural commercial banks themselves,but also the realistic needs of the credit business to seek innovation and development.This paper analyses the current situation of the CD rural commercial bank consumer credit business,with CD rural commercial bank as the research object,analyzing the current under the background of the bank outstanding problems in the process of network marketing,and emphatically studied how to optimize and improve,and through the surrounding its positioning,from product,price,channel and promotion four aspects to build the CD rural commercial consumer credit product marketing network optimization strategy of the bank.After comprehensive application of literature research method,questionnaire survey method,comparative analysis method and systematic analysis method,this paper puts forward targeted Suggestions for CD rural commercial bank,so as to effectively guide the credit business marketing of CD rural commercial bank and improve its competitiveness in the financial market.In this paper,by using the SWOT method to analyze the Internet at the same time under the background of financial development,CD rural commercial Banks in the process of competition of the advantages and disadvantages,opportunities and challenges faced by,on this basis,in order to solve the CD rural commercial bank the reality of the bank credit business faces put forward effective countermeasures,so as to CD rural commercial Banks and similar rural commercial in the province to provide effective reference.