Study On Optimizations Of Internet Marketing Strategies About QD Bank Retail Business

In recent years,the operating environment of the financial industry has undergone significant changes,and the flow of funds for bank customers has undergone tremendous changes.New startups and individual consumer groups have been influenced by internet finance,exploring new ways of investment and financing.Various businesses such as bank deposits,loans,and intermediary services have also been affected to a certain extent.In order to seize new markets,competition among banks has become increasingly fierce,Under the unprecedented fierce competition,the marketing capabilities of urban commercial banks are dwarfed,and it is evident that their traditional marketing models are difficult to adapt to the current internet context.Retail business is the basic business of traditional commercial banks,with a wide coverage and a high level of operating profit ratio.As one of the core businesses of commercial banks,retail business plays an important role.Therefore,it is necessary to optimize the marketing strategies of commercial banks’ retail business in the context of the Internet.This article takes QD Bank as the research object,and studies the current development status of QD Bank’s retail business through 4P marketing theory,STP marketing theory,and consumer decision-making model.It analyzes the reasons behind the problems and proposes optimization strategies.It combines marketing theory with the actual situation of QD Bank obtained through interviews and other methods,Give the 4P marketing theory,STP marketing theory,and consumer decision-making model the connotation and significance in the new era of internet finance.The feasibility of the retail business internet marketing optimization strategy proposed in this article has been verified not only from a theoretical perspective,but also from a practical perspective.At present,QD Bank mainly faces the following problems: low platform conversion rate,unclear key information settings,inadequate post purchase tracking services,severe product homogenization,low online product coverage and cross penetration rate,low product competitiveness,insufficient flexibility in price adjustment mechanisms,insufficient utilization of internet channels,insufficient integration of online and offline market activities,and incomplete internet mechanisms.This paper optimizes the Internet marketing strategy of QD Bank’s retail business,proposes to strengthen the Internet team building and marketing management mechanism,optimize the page setting and marketing culture,establish a tracking mechanism to innovate retail products,optimize and realize the innovation of retail products,constantly enrich existing products,continue to launch new featured products,strengthen cross selling of products,combine online and offline sales,and improve product coverage,Implementing differentiated pricing strategies,allowing customers to freely choose,continuously upgrading internet channels,and collaborating with offline channels to better meet customer needs,strengthening the construction of self media platforms,achieving precise promotions,enriching promotional activities,and other optimization strategies can not only achieve the growth of QD Bank and keep it in line with the trend of the times,but also provide reference for other commercial banks,with important reference value.