Research On The Campus Loan Marketing Strategy Of The Business Department Of Bank C's Inner Mongolia Branch

In recent years,as the purchasing power of urban and rural residents continues to grow,the proportion of College Students’ consumption in social consumption is increasing,and the impact on the overall consumption of society will raise gradually in the future.Newly emerging,campus loan is a combination of Internet+ and financial products.Nevertheless,at present,campus loan market is chaotic,which seriously infringe the legitimate rights and interests of students.The government department issued the notice on the further strengthening of the campus Credit Standardizat ion and management,requiring the regulation of campus lending offered by Internet lending agency.Moreover,the notice called on all commercial banks to develop financial products that suit the needs of college students,standardize the order of financial services and improve the quality of banking services.From the perspective of marketing,the article focuse s on the research of campus loans of Hohhot college students.Under the premise of the current research status,the article briefly analyzes the existing market environment for campus loans,enumerating three typical campus loan products,subsequently,comparing the concepts,procedures,advantages and disadvantages of each product.The author conducted a questionnaire of campus loans of Hohhot college students.Through the analysis of the questionnaire and in combination with the practical situation of C bank Inner Mongolia branch sales department,we scientifically predict the sound development campus loans for college students,finding the feasibility of entering the campus loan market.In view of the SWOT matrix analysis method,the author briefly discusses the strengths,weaknesses,opportunities and threats of the campus loan business carried out by the sales department of C bank Inner Mongolia branch.Furthermore,the author discovers the existing marketing issues and the most appropriate development strategy.Finally,through the analysis of STP strategy,the author formulates the financial product design plan and marketing strategy for the development of the campus loan product of C Bank Inner Mongolia Branch sales department,and interpreting them from four aspects.Through analysis,the following conclusions can be drawn: college students will become the main force of C hinese consumption in the future.Therefore,we need to study the campus loan by a new perspective.It is an inevitable trend in the current economic situation to vigorously develop the inclusive financial services.It is the social responsibility of the state-owned banks to provide a standardized and orderly,safe,comfortable and affordable financial service environment for college st udents.Campus loan will become a new market segment of bank loan business.