Research On Marketing Strategy Of BH Agricultural Bank Under The Background Of Internet Finance

In recent years,the concept of "Internet +" has driven the vigorous development of various industries,and the mode of "Internet + Finance" has brought great convenience to people’s life,consumption and financial management.It has the characteristics of simple financing credit,high efficiency of examination and approval,rich variety of financial services,flexible repayment methods and so on.Under the influence of Internet finance in the new era,the traditional commercial banks have been affected to some extent from the aspects of corporate governance,organizational structure,business philosophy and marketing strategy,especially for the rural commercial banks with weak foundation.But from another angle,the development of Internet finance has forced the traditional banks to transform and develop.This paper summarizes the shortage and the next direction of the management of BH rural commercial banks under the background of Internet finance by means of questionnaire and customer interview.Then we use SWOT analysis method to analyze the advantages and disadvantages of its own development,and summarize the opportunities and challenges combined with the current economic environment.This paper analyzes the influence of Internet finance on BH agribusiness bank marketing strategy from the aspects of financial product pricing,financial product distribution channel and financial product promotion.Under the influence of this kind of influence,combined with the development strategy plan of the bank,this paper puts forward several suggestions of marketing strategy,respectively from the market position,product strategy,price strategy of BH agribusiness bank.The distribution channel strategy,the promotion strategy and so on the aspect puts forward the rationalization proposal.The research on the marketing strategy of BH rural commercial bank under the background of Internet finance is mainly to put forward the new idea of the reform of agricultural commercial bank.With the rise of Internet finance,BH commercial banks are exploring new products and services on the basis of original data and Internet technology.From the market point of view,the major commercial banks are also competing to meet the needs of market development and customer preferences of products and services,in order to gain more market share.With the help of big data and wind control model analysis,mobile devices,biometrics and other means to expand customer channels,"from virtual to real" transformation,effectively promote the real economy.Leap,this also is the development trend of future commercial bank.With regard to the future development countermeasures of BH,we should face up to the development trend of Internet finance and establish the cooperation between BH agribusiness bank and new Internet finance.In short,if traditional finance is not to be eliminated by the society,it is necessary to integrate with the new Internet finance as soon as possible,constantly improve its own innovation ability and technological renewal,realize the magnificent transformation,and infiltrate the application of the past payment business into various industries.Areas such as education,medical care,etc.In the new economic environment,BH Agricultural and Commercial Bank should draw lessons from the concept of Internet financial model,put forward new ideas for development,and sort out customers.The development idea of the center is to pursue the balance between wind control and profit maximization,to transform and upgrade from the aspects of corporate governance,development strategy,increasing scientific and technological support,performance appraisal,etc.,so as to provide customers with fast and high quality service.