Research On The Marketing Strategy Of SPD Bank Customers Without Loan

In the process of continuous development of China's financial industry,the domestic financial supervision forms tend to be nervous,although the central bank since 2016 are no longer on bank credit lines to implement strict control,but in actual operation,the bank will still be window opinion guidance on bank credit scale,such as a direct result of the bank credit scale still nervous.With fewer and fewer credit customers to choose from,joint-stock Banks have seen their revenues from credit services plummet.In addition,the number of financial institutions in the banking industry keeps increasing,local Banks expand to the whole country,rural Banks have obvious intention to share the market,and the market competition caused by the homogenization of the banking industry intensifies.In the face of extremely severe business environment and revenue challenges,Banks' choice of customers needs to be changed.In this paper,SPD bank refers to corporate customers who do not have any loan balance.According to the business data in 2017,85%of the bank's customers have no loans to the public,and the deposit balance accounts for up to 60%of the company's customers,which plays an important role in the company's customers.Therefore,it is of great significance to strengthen the marketing efforts for the public loan-free customers and establish the marketing process management for the public loan-free customers to improve the industrial structure of the public customers,consolidate the customer base,steadily increase the contribution of the accounts,increase the income of the intermediate business,and ensure the sound and rapid development of the company's business segment.From the perspective of SPD bank's actual operation,this paper analyzes the prospective of the company's loan free customers in the overall development.Based on the literature and 4P marketing knowledge at home and abroad,SWOT analysis is applied to analyze the existing customers of SPD bank.At present,SPD bank has the advantages of high brand benefits,convenient business channels and other advantages for public loan-free customer business,such as inadequate hierarchical maintenance of customers,lack of professional teams,low efficiency of account opening process and insufficient products.At the same time,external supervision and compliance take the lead.Strict implementation of tax law brings new opportunities for SPD Banks to open public accounts.Meanwhile,along with interest rate liberalization and rapid growth of banking institutions,SPD Banks also face certain threats.Put forward the SPD bank without credit customer marketing should enrich product categories,optimization of customer manager team,improve business efficiency and so on aspects,constantly enhance the level of no credit customer marketing and enhance its competitiveness in the industry,put forward the approaches to no DaiHu marketing model,the development of number,and existing customers maintenance and maintenance,etc.,product function nested and SPD bank corporate customers main idea of the sustainable development.This paper studies the development,promotion,product development,processing process and other marketing systems of the company.s non-loan customers,which is of great significance for improving the industrial structure of SPD bank stock for public customers,consolidating the customer base,steadily increasing the contribution of accounts,increasing the income of intermediate business,and ensuring the good and rapid development of public business.