Research On Marketing Strategy Optimization Of Bank A Qingdao Branch On Small And Micro Enterprise Credit Business

At present,there are about 28 million small and micro businesses as legal persons in China,and over 65 million individual businesses,totaling over 93 million.By grasping small and micro enterprises,we can lock up some future big customers and large enterprises,and gather a large number of rich people and high-value individual customers,which has a good growth potential.Especially at present,with the increasing efforts to deleverage state-owned enterprises and clean up local government debts,the incremental space for large customers and large projects is becoming more and more limited.Digging into small and micro financial markets has become a strategic choice for the operation transformation of large commercial Banks.As Premier Li Ke Qiang stressed,big Banks have no future without serving small and micro businesses.In recent years,the party and the government have adopted a number of policies and measures to address the difficulty and high cost of financing for small and micro businesses,and achieved remarkable results.In particular,the "three minimum " requirements that the growth rate of loans to small and micro businesses should not be lower than the average growth rate of various loans,the number of small and micro businesses should not be lower than the number of households in the same period of last year,and the loan application and acquisition rate of small and micro businesses should not be lower than the level of the same period of last year were implemented,which largely alleviated the difficulty and high cost of financing for small and micro businesses.However,it should also be noted that there are still quite a few small and micro enterprises have difficulty in obtaining loans,and the actual annual interest rate of getting loans is generally high,and the financing of small and micro enterprises is still difficult and expensive.How to provide financing and loan products more suitable for the daily operation of small and micro enterprises in the context of economic slowdown is a problem that needs to be discussed in the credit business of small and micro enterprises.Compared with the rapid increase in the proportion of loans issued by other large state-owned Banks to small and micro enterprises in Qingdao area in recent years,bank A’s small and micro enterprises’ financial services started late,innovative products were few,service concepts were not in place,and the system was rigid,which led to the loss of A large number of high-quality small and micro enterprises’ customer resources.How to fully mobilize the enthusiasm of all parties and promote the steady and sustainable development of small and micro finance business through a series of optimization of marketing strategies? How to better meet the needs of small and micro enterprises,accelerate product innovation,and promote the small and micro financial service brand of A bank Qingdao branch? These issues need to be addressed.By studying and optimizing the marketing strategy of the credit business of small and micro businesses of Qingdao branch of bank A,this paper maximizes the support for small and micro businesses of Qingdao branch of bank A under controllable risks,solves the financing problem for small and micro businesses,and promotes the rapid and healthy development of small and micro credit business.At the same time,it is conducive to the improvement of financial services of small and micro enterprises of Banks,and provides certain reference for Banks to better serve small and micro enterprises.