博乐农商银行小微企业信贷业务营销研究.pdfVIP

摘 要 小微企业作为支撑国民经济发展的重要力量，在全国的经济结构中占据非常重要的位 置，对我国经济发展起着重要推动作用。伴随小微企业的快速发展，我国政府对此予以了高 度关注。博乐农商银行积极开展小微企业贷款业务，不仅符合政府的政策要求，也为自身的 发展奠定基础。在小微企业信贷业务发展过程中势必会遇到很多问题，这些问题如何解决成 为了商业银行考虑的重点。只有寻找到有效的解决措施，才能够在保留现有资源的基础上， 完成市场开括，从而实现竞争力的提升。 本文以博乐农商银行为例，主要对其开展的小微信贷业务情进行探究。在研究之前对理 论成果进行整理，了解学者们的研究现状。其次，结合博乐农商银行的信贷业务发展现状， 了解其业务定位、市场定位以及产品发展特点，从而为博乐农商银行找准自身的市场位置， 控制成本，创新产品等提出策略建议，在结合4P 策略的基础上分析博乐农商银行面临的主 要客户群体以及客户需求，最后从优化中心模式、加强人员队伍建设、增强风险控制能力等 多方面入手提出具体的解决方案。 关键词：小微信贷业务；营销策略；博乐农商银行 I Abstract As a component of the national economy, small and micro enterprises always promote the healthy development of the national economy. In recent years, the central and local governments and the society have been paying active attention to the development of small and micro enterprises. As a state-controlled commercial bank, the development of loans to small and micro enterprises has not only answered the governments call, but also realized its sustainable development. In the development of credit business for small and micro enterprises, under the pressure of financial institutions and the challenge of non-financial institutions, how to combine their own resources to not only maintain the existing market, but also develop new markets? The application of marketing strategies has become an important guarantee for Banks to improve their competitiveness. This paper mainly studies the marketing strategy of small and micro credit business of bole rural commercial bank. Based on relevant theories of marketing and small micro credit, bo le agri-businesses Banks credit business development status are described, its from the macroscopic environment, strategic environment based on the analysis, based on the characteristics of tacheng agricultural business ban