Research On Marketing Strategy Of Small And Micro Business Of Minsheng Bank XN Branch

In recent years,although the development of commercial banks in China has made some progress,the development mode of small and micro businesses is not mature enough.It can be said that it is still in the exploratory stage.The main problems include the level of risk management to be improved,the way of personnel training to be imperfect,and the defects of operation mechanism.These are all the problems faced by commercial banks in the process of development.The difficulty lies.On the one hand,although the services provided by commercial banks are varied,they lack systematic planning and design.At the same time,they do not attach enough importance to product innovation,which directly leads to the difficulty of meeting the diversified needs of small and micro enterprises.On the other hand,the financial statements of many small and micro enterprises in China are very opaque at present,and even many enterprises conduct private tax evasion and tax evasion in order to obtain more benefits,which makes it difficult for banks to understand and verify the real development and financial situation of small and micro enterprises,so that banks will meet the financing needs of small and micro enterprises.Become extra cautious.With the continuous improvement of China's economic level and the rapid development of the financial industry,banks are facing increasingly fierce competition and severe challenges.Profitability is not as easy as before.In such a situation,banks must expand their customers' scope and get financing for small and micro businesses,in order to get more benefits.From the perspective of small micro enterprises,in order to fully solve the financial problems encountered in the development process,commercial banks need to participate in fully understanding the development characteristics and needs of enterprises,so as to provide targeted financing assistance.Based on the reality of China Minsheng Bank's small and micro business development,this paper analyzes the problems in the expansion of Minsheng Bank XN Branch's small and three perspectives of market,system and risk,formulate small and micro business expansion strategies and implementation guarantees,provide theoretical support for the expansion of China's commercial banks' small and micro banking business,and accelerate the expansion of China's small and micro banking business.