Marketing Strategy Optimization Of Consumer Finance Business At Agricultural Bank Of China BZ Branch

Under the slump in the investment environment and the impact of the export trade war,consumption,as one of the troika of China ’s GDP growth,has begun to grow into the main driver of GDP growth.While consumer finance business is supported and encouraged by national policies,The development of emerging technologies such as big data and cloud computing has provided technical support for the development of consumer finance,giving China’s consumer financial market a lot of room for development.In recent years,due to the reduction of transfer fees and withdrawal fees by national policies,banks have lost an important profit point.In order to be able to find new alternative profit points,the consumer finance business with huge market space has become the bank’s choice.How to better the marketing of consumer financial consumer financial products is not only important for the transformation of commercial banks,but also of great significance for the development of financial services in the real economy and inclusive finance.First,a scientific analysis method was used to elaborate the marketing environment of the consumer finance business from both macro and industry perspectives,analyze the status quo,and analyze in depth the problems in the marketing strategy of the Agricultural Bank of China BZ branch from multiple aspects.Based on the analysis of the marketing environment and the understanding of the current marketing situation,the STP and 4P theory are used to optimize the marketing strategy.Secondly,for the marketing of the consumer finance business of the Agricultural Bank of China’s BZ branch,the optimized marketing strategy can be successfully implemented,and safeguard measures have been designed through four aspects to achieve differentiated marketing and enhance its own competitiveness.Finally,combined with the full text,the conclusion of this article is expounded,and the deficiencies of this article are pointed out.