Research On The Marketing Strategy Of Zhangzhou Branch Of Bank D Without Repaying Principal And Continuing Loan Business

Small and micro enterprises are the main force of social and economic development and play a decisive role in solving the problem of employment,creating social wealth and promoting the development of people’s livelihood.However,the development of small and micro enterprises also faces difficulties,among which the difficulty in financing is the main factor that has been troubling the development of small and micro enterprises.At present,both from the national level and the regulatory level,we attach great importance to the development of small and micro enterprises.The state has successively introduced a series of credit policies that are conducive to the development of small and micro enterprises.As the financial subject supporting the development of small and micro enterprises,commercial Banks play an important role in solving the financing difficulties of small and micro enterprises.However,in the face of the stimulating market competition and the complex internal and external environment,how to provide more market-oriented products to meet the development needs of small and micro businesses and effectively control risks has become the key to maintaining the core competitiveness of commercial Banks.D bank zhangzhou branch has always attached great importance to the financial services of small and micro enterprises.It has not only formed a relatively perfect credit service system for small and micro enterprises in terms of organization and management,but also listed small and micro enterprises as the key objects in terms of product support,credit scale support and financial resource allocation.By changing the concept of development and continuously improving the service quality and efficiency,bank D zhangzhou branch has achieved good results in improving the service quality and service level of small and micro enterprises,but it also faces some problems.Based on the bank of D,zhangzhou "no debt renew loans" business development as the research object,to effectively promote the "no debt renew loans business," push small micro enterprise credit business development as the ultimate goal,the bank of D in the recent years,zhangzhou"no debt renew loans" business development on the basis of the comprehensive carding,overall analysis was carried out on the branch data,graph analysis,contrast analysis,the"no debt renew loans" business promotion measures and achieved effect,found that:"No repayment of principal and continued loan" business has a significant effect on promoting the development of credit business of small and micro enterprises,improving customer stickiness,effectively controlling risks,and improving the comprehensive income of Banks,etc.Accordingly,the marketing strategy of promoting the efficient development of"no repayment and continued loan" business of zhangzhou branch of bank D is proposed.