Bank Of Communications Comprehensive Financial Services Project Case Study For Henan Dazhong Industrial Co.,Ltd

In the context of the state support for the "three rural" and "precision poverty alleviation",how can banks realize the effective combination of economic and social benefits through the analysis of customer demand and the use of innovative financial products.At present,the agricultural farming industry is affected by the economic cycle of small industries,in the process of economic downturn in the low-risk characteristics is particularly evident,but the industry in the bank financing is the prevalence of land are leased collective land,the formation of assets can not Mortgage can not be included in the fixed assets,the construction of the breeding plant can not handle the relevant approval of the project can not be issued loans and other issues,such as the use of security companies to guarantee the case,by the single-family limit of the amount of security,financing scale can not meet the needs of the company and other issues.How to provide customers with a comprehensive financial services program,this paper launched a study.The demand of general customer is more variety,the demand also is high,this naturally makes the development path of the bank develops toward the direction of comprehensive,comprehensive type.The theory of marketing has developed from the original 4P theory to 4C and 4R,which is a process of continuous development and progress.From the original view,we only value the internal reasons,and then the external customer demand is the development direction,and now the competition is oriented.Combination effects of commercial bank besides has certain significance in theory,can also be seen as a variety of marketing a combination,in addition to or the bank of the combination of internal and external resources,moreover can also be seen as products,the combination between the in it such as bank deposits,loans,and some intermediary business,from the perspective of the distribution of personnel between the team combination,from the perspective of the target of marketing can be divided into layered,correlation effect and so on.The case of this article through the "five in one" combination of marketing model cut into the entire company to achieve the overall financial cooperation.In thecurrent economic situation down,the bank's credit risk is increasing,the hope that through the Henan Dazhi Industrial Co.,Ltd.comprehensive financial services case study for the bank in the agricultural farming industry to provide a copy of the business model.At the same time for the bank to develop innovative business,broaden the sources of profits channels to achieve public and private business linkage to prevent business risks,support the "three rural" economic development,in response to national "precision poverty alleviation" call to provide a new way of thinking.