Study On Competitive Strategy Of Hangzhou Youbang Micro-credit Co.LTD

With the continuous development of China's financial market,the development speed of inclusive finance business in China is very fast,among which the small loan company business has been fully implemented and promoted,which is an effective supplement for the further development of China's financial market and plays an important role in promoting economic development.Microcredit business can provide certain financial support for small and micro businesses and individual households and effectively alleviate the financing difficulties.But with the development of the market constantly,the microfinance products on the market is becoming more and more microfinance companies facing is becoming more and more fierce competition,so how to in a very competitive market,to survive and get further development,it has become a important problem faced by the microfinance firms,so use what kind of competitive strategy in market competition effectively,worthy of all the small loan companies to think.This paper introduces the case company Hangzhou YouBang microcredit co.,LTD.By analyzing the competitive environment of the company,further work out the competitive strategy of the company according to the current enterprise positioning and advantages,and build a competitive system coordinated with the development of the enterprise to promote the further development of the enterprise.In recent years,microcredit companies have mushroomed in Zhejiang,new competitors have been added,and the competition pressure of YouBang microcredit companies is very high.In the current competitive market environment,YouBang microcredit co.,ltd.must further improve its core competitiveness and define the overall strategic objectives,so as to gain a foothold in the market and achieve development.This paper USES porter's weakness model to analyze the competitive environment of this company,and then analyzes the opportunities and threats it faces.With the legal support of YouBang Company in promoting the development of micro-credit industry,the rapid economic development,the government's vigorous promotion of "agriculture,countryside,rural areas,poverty alleviation and poverty alleviation,as well as the increase of people's need for more funds and the advancement of science and technology,the people want greater opportunities for development of micro-credit.The exhibition provides an opportunity.Through SWOT strategy to analyze YouBang microfinance company is always in a disadvantageous position in WO strategy because of insufficient talent reserve and weak market promotion.Therefore,YouBang microfinance company should strengthen its ability to defend against risks.YouBang microfinance company always focuses on SO strategy and 4ST strategy.On their own competitive edge,we can make up for ourselves by competitive advantage.On this basis,YouBang micro-loan company must implement differentiation strategy,this paper further from the company's services,product pricing,loan interest rates,guarantee methods and other aspects of in-depth analysis;and combined with the actual situation of the case company Hangzhou Youbang micro-loan Co.,Ltd.,analyzes the core competitiveness of the company.It also points out the advantages of differentiation strategy in product,business and customer resources,as well as the shortcomings in talent reserve,market promotion and risk response ability.Finally,based on SWOT analysis,this paper puts forward specific strategy implementation strategies and safeguard measures from three perspectives of human resource management,marketing strategy and system security,in order to promote the further development of the case company and provide reference for the development of other companies in the industry.Righteousness.