Research On Marketing Strategy Of Micro-credit Business In LC Branch Of JS Bank

With the continuous development of China's economy,small and micro enterprises are playing an increasingly important role in it.Small and micro enterprises can not only promote the rapid development of society,but also directly affect the life and work of low-income groups in China and the health of the national economy.Small and micro-enterprises have become an important pillar of China's economic development.Therefore,how to make use of bank's micro-financial services to make small and micro-enterprises play a more active role in economic development,and what kind of credit services should banks provide for small and micro-enterprises,in order to truly solve the financing difficulties of small and micro-enterprises,this is the paper.Main research directions.Because of the small scale and low output of small and micro enterprises,they have not received the attention of major banks before.However,in recent years,with the vigorous development of small and micro enterprises in various places,they also play an increasingly important role in promoting people's employment,social stability and other aspects.China's commercial banks have gradually increased their attention to the financial marketing services of small and micro enterprises.Continuously explore the marketing of small and micro enterprises,solve the financial needs of small and micro enterprises,and create more economic benefits for banks.Nowadays,with the rapid development of national economic construction and the transformation and upgrading of market economy,the development prospects of small and micro enterprises in social economy are also favored by more and more people.In other words,the changes and rapid development of China's market economy have promoted the progress of small and micro enterprises,which also play an increasingly important role in the national economy.With the development of small and micro enterprises,various financial institutions in China no longer adopt the traditional single marketing strategy of financial services for small and micro enterprises,but have formed a new model of marketing and service in one.In recent years,with the continuous downturn of foreign markets,the world economy has begun to stagnate,and China is increasingly dependent on external demand.The economic model cannot continue to grow rapidly.At present,China's export-oriented economic model is in the transitional stage of analgesia.External economic environment has greatly affected these export-oriented,low-tech small and micro enterprises.The national policy and economic environment make the development and rise of small and micro enterprises an inevitable trend.Under the background of slowing economic growth,commercial banks need to explore how to provide more financing loans suitable for the daily operation of small and micro enterprises.This paper takes JS Bank LC Branch as an example,based on the financial market of small enterprises and the basic national conditions of the financial industry,makes an in-depth analysis of the current marketing environment,analyzes the problems and challenges faced by JS Bank LC Branch in the marketing of credit services in small and micro enterprises,and constructs feasible solutions to optimize them.Specific measures are taken to escort the development of credit services for small and micro enterprises.I hope that the writing of this paper can provide some useful reference for other commercial banks or financial institutions to promote the credit services of small and micro enterprises.