Research On Marketing Strategy Of Credit Business Of TQ Rural Commercial Bank

As the most traditional business of China’s banking financial institutions,credit business is also the main source of income.In China’s commercial banks in the total income,the proportion of credit business more than half,about 55%,for the rural commercial banks is higher,reached 70%,thus it can be seen that China’s bank and financial institutions can get more sustainable development,credit assets quality has important influence,at the same time in the construction of China’s banking institutions,credit business marketing has a decisive role.With the development of information and communication technology,the types of financial institutions and the marketing methods of credit business have been expanded,so that the credit financial management mode has emerged gradually,which virtually brought greater challenges to the development of banking financial institutions.Therefore,the traditional extensive credit business marketing in the context of this development is in urgent need of innovation,but also should be gradually adapted to the new management model.No matter in theory or in practice,it is necessary to complete the construction of credit business marketing mode and marketing management mode under the changes of the times.This paper first analyzes the domestic and foreign banks and TQ agricultural bank credit business marketing management of the actual operating situation,and then combined with the example-TQ agricultural bank on the basis of further analysis of the current stage in the county credit marketing application of credit business marketing strategy,analysis and summed up the shortcomings;On the basis of 4p theory,this paper completes the construction of TQ rural commercial bank’s new credit business marketing model and puts forward specific measures in combination with the actual development situation under this condition,This will effectively guide TQ Rural Bank’s credit business marketing management and enhance its competitiveness in the county financial market.At the same time,this article also has positive reference for other financial institutions to strengthen the credit business marketing management and build a new credit business marketing management model.