Research On The Credit Business Of Rural Credit Cooperatives In Binzhou

Credit business development and popularization of the Bank’s development provides a new direction of development, interest income and non-interest income credit business has become a major part of contemporary banking income, which hold the largest share of the retail banking business in the United States. With the rapid development of China’s economic transformation and the concept of national consumption, China ushered in the golden age of the credit business, more and more people choose the way consumer credit business, but as a major force in China’s rural finance rural credit cooperatives, its credit business did not achieve the expected benefits.Based on the qualitative and quantitative analysis, the theoretical analysis and empirical research, Binzhou rural credit cooperatives credit business development for the study, analysis of Binzhou City, rural credit cooperatives credit business marketing and external environment, rural credit cooperatives credit summary Binzhou Situation business marketing, rural credit cooperatives proposed Binzhou credit marketing strategy to promote the rural credit cooperatives credit business marketing. Firstly, the paper summarizes the research background and significance Binzhou RCCs credit business marketing research status of rural credit cooperatives credit business marketing, and then summed up the purpose and methods described herein; secondly, Binzhou city of rural credit cooperatives credit business expand the theoretical analysis of bank credit, bank credit structure, concepts and research objects of bank credit to define effective, simultaneous analysis of credit rationing, industry competition, moderate scale operation and service marketing related theories, this paper lays theory foundation; third, Binzhou city of rural credit cooperatives credit business marketing environment analysis, through political and legal environment, economic environment, social and cultural environment, technical environmental analysis of rural credit cooperatives credit Binzhou marketing summary and analysis of external environment, through the main competitor analysis of its industry environment and other factors, and then to Binzhou City, rural credit cooperatives credit summary and analysis marketing environment using the SWOT analysis; fourth, through the rural credit cooperatives Profile Binzhou City, based on the summary of Binzhou City, Rural Credit Social credit business development achievements, analysis Binzhou rural credit cooperatives credit problems facing business development; fifth, STP strategy based Binzhou rural credit cooperatives credit market segmentation, target market selection and market positioning analysis; a first Sixth, the development of rural credit cooperatives in Binzhou City 7P credit business marketing strategy, mainly includes product strategy, pricing strategy, channel strategy, sales strategy, personnel policies, procedures, policies and strategies physical evidence; and finally the full text summary.