Strategy Of Retail Marketing ZJNS Banks

Retail business brings commercial bank increased chance because of low risk, stability profit, numerous potential customers etc. Market competition is becoming increasingly fierce in the context of the bank industry, reveals its tremendous business opportunities, so gradually the importance and development of commercial banks. ZJNS banks on the local market have development present situation better, but with outstanding domestic and foreign commercial banks in the retail business marketing, there are a lot of problems. The purpose of this paper is to hope that through the research on the retail banking business cross marketing, in the promotion of the bank’s customers loyalty and contribution, strengthen the bank profitability and market competitiveness, have certain edificatory effect. Therefore, this study has a strong practical significance.Based on paper background, significance, mentality and proposal, this paper analyzes relevant theories, such as retail banking,4P、STP, Cross marketing etc. And then the marketing situation of retail banking business ZJNS is based are analyzed, including the development status of ZJNS bank, analysis of present situation and problem analysis of retail business, retail business marketing of ZJNS bank. With the above analysis, this paper designed the ZJNS bank retail business marketing strategy, including the clear "to end customers as the center, mining high-end customers, market positioning to cultivate potential customers", marketing strategies, including product, price, promotion, channel strategy, and the choice of cross sales and marketing strategy. At the same time, this paper also put forward the guarantee measures of ZJNS bank retail business marketing strategy, including the strengthening of customer relationship management, increase the marketing innovation, establish the performance mechanism, do a good job training etc.