A Study On Marketing Strategy Of Personal Housing Loan Product Of Jilin Branch Of China Postal Saving Bank

Personal housing loan business is one of the most important components of the retail credit sector,featuring good asset quality,strong risk control and rich customer resources.All commercial Banks regard it as the key point of business development,and it has become the fastest growing retail credit business of commercial Banks.In recent years,with the national policy on real estate gradually tightened and more and more commercial Banks opening personal housing loan business,the personal housing loan market competition is more and more intense,and business development has entered a difficult period.In this context,how to develop a reasonable marketing strategy on the premise of compliance development has high research value.This paper takes the personal housing loan business of jilin branch of China postal savings bank as the research object,adopts the form of questionnaire survey,combines the existing marketing data,and analyzes the advantages,disadvantages and existing problems of personal housing loan business in the province.On this basis,a set of marketing strategies for the personal housing loan business of jilin branch of China postal savings bank was proposed,mainly including: enhancing product popularity and competitiveness through creating product selling points;Develop differentiated pricing strategies and business processes based on the qualifications of individual customers and channel customers;Strengthen channel marketing and network marketing;Introduce financial technology,enrich marketing methods and optimize business processes.To sum up,this paper combines the existing marketing theories with the actual situation,summarizes the existing problems in the marketing strategy of "personal housing loan products of jilin branch of China postal savings bank",and puts forward corresponding marketing Suggestions,in the hope of providing help for the better development of this product in the future.