Study Of A Bank’s Strategies On The Credit Business Of Manufacturing Small And Medium Enterprises

China’s economic takeoff has not provided the development prospects that match with the economic development level for the development of manufacturing style small and medium enterprises, and over 85% manufacturing scale proportions only accounted for 25 percent of the industry profit-market. Thus, the low rate of return on investment directly led to the financing difficulties of manufacturing style small and medium enterprises, which will also further impedes the industrial structure optimization and upgrading of manufacturing small and medium enterprises and deepens the predicament. The subject of industrial scale is not the subject of industry contribution. While in the manufacturing loan business market, small and medium enterprises accounted for more than 60% loans, but the main source of fixed asset investment in the entire society is still equity funds, indicating that the bank’s pulling force on the development of manufacturing small and medium enterprises and the whole industry that relates to fixed asset investment is not enough.In this context, the paper takes A Bank as the example, in the angle of market positioning and marketing, regards the credit business of manufacturing small and medium enterprises as market products and services requiring risk monitoring, explore how local small and medium sized joint-stock commercial banks cope with the market pressure from the manufacturing small and medium enterprises without the ordered financing advantage in front of industrial competition threats. This paper uses five-force model and SWOT matrix to analyze the internal and external environment of the credit business markets of manufacturing small and medium enterprises A bank is confronted with; It also uses the horizontal and vertical data comparison to analyze the current situation of A Bank’s market position, the current situations, perplexes and the causes of the loan business market of manufacturing small and medium enterprises, and the challenges and situation of A Bank in the loan business of manufacturing small and medium enterprises. For all these challenges:With the use of STP analysis, this paper proposes the integrated difference marketing strategy that A Bank should take account of benefits in the stable risk strategy of making the progress while ensuring the stability, attacking and defending at the same time in the credit business of manufacturing small and medium enterprises, which can make progress while maintaining stability, as well as the guarantee of benefits without losing the offensive defense. At the same time, this paper proposes a series of matched optimization integration thinking including the credit process module, organizational security module (including the organizational structure, personnel quality and related technologies) of A Bank, wishing to provide new thinking for A Bank in predicament while dealing with the integration, recombination and optimization of the loaning business forum of manufacturing small and medium enterprises.