Research On Small Agricultural Credit Marketing For M County Sub-branch Of Postal Savings Bank

China postal savings bank listed independent operation since2007February. sofar, after7years of rapid development, the asset scale in the national bankingindustry fifth, column, farmers, construction of the four major state-ownedcommercial. However, because of its very flawed understanding and use of modernmarketing theory, the innovation ability and marketing competition is not matureenough, it has now entered the second breakthrough and development bottleneckperiod. Postal Savings Bank of Mulan county because of agriculture related loans areelements of product itself is flawed, the credit environment has become more andmore complex and the existing economic problems in the management of marketingstrategy, the small agricultural credit business marketing development has cometo a deadlock.Mulan County, the postal savings bank to gradually rigorous competitionfoothold and development, market positioning, it is necessary to reform the originalthat extensive marketing system, marketing, marketing strategy, innovate in a timelymanner according to the national policy and the financial environment changes, atthe same time, bold the introduction of domestic and foreign advanced managementexperience and other banks experience in marketing the marketing management planof its own characteristics, study and solve the problem of Mulan County branch, willfan out from point to area, the homogenization problem solving a province of aregion, even the small amount of the postal savings bank loan. Whether from thepostal savings bank to its operating results and development, starting from theprotection of state-owned enterprises and state-owned assets without loss, increasing the value of the point of view, or from the in-depth implementation of the nationalpolicy, to promote rural services, are of great significance to local economicprosperity steady development and construction of harmonious society.Based on the related financial theory and marketing management theory as thetheoretical basis, combined with the actual work, the postal savings bank of ChinaMulan County branch current marketing management problems such as traditionalsmall loan product design itself has certain defect, risk of traditional microfinanceproducts is relatively large and marketing management means and methods such asrelatively backward of the problem description in the analysis, it analyzes thereasons of microcredit marketing environment, market positioning and microcreditmarketing concept and strategy, and finally put forward the Mulan County branch ofthe postal savings bank microcredit products marketing strategy and theimplementation of security. In the marketing strategy is proposed to create, toimprove the external environment to create a good atmosphere, re positioning ofmicrocredit marketing to adapt to enterprise development and carry out the researchand development of new products and marketing strategy. Put forward theimplementation, strengthen the credit staff performance and strengthen theconstruction of three centers to safeguard measures.