Research On The Credit Marketing Strategy Of LK Rural Commercial Bank’s Inclusive Small And Micro Enterprises

During the development of China’s market economy,small and micro enterprises have played a key role in the steady,sustainable,rapid and healthy development of the national economy.As the main force of market production,small and micro enterprises constitute the framework of national economic development with independent cells.At the same time,in order to strengthen the credit support for small and medium-sized enterprises,individual businesses,manufacturing,etc.,and maintain the flexibility of sound monetary policy,The governments at all levels guide financial institutions to increase their support for the real economy,especially small and micro enterprises,scientific and technological innovation,and green credit,deploy and strengthen financial support for small and medium-sized enterprises by further adopting market-oriented methods,and take increasing the development of inclusive small and micro enterprises as a key consideration standard.As an independent legal person at the county level,LK Rural Commercial Bank has certain advantages both in terms of geography and flexibility.At this stage,How to use its own advantages,seize opportunities,adjust working ideas,and help the development of inclusive small and micro enterprises is the focus of LK Rural Commercial Bank,and is also an important way to constantly adjust the credit structure,do a good job in credit development transformation,and achieve "good,small,scattered,micro" credit.Based on the objective reality,this paper analyzes the current credit marketing situation of the inclusive small and micro enterprises of LK Rural Commercial Bank,comprehensively analyzes and judges the inclusive small and micro enterprises from different dimensions,such as the credit supply situation,guarantee mode,industry,duration,etc.,summarizes the main problems in the credit marketing process of the enterprise,and deeply analyzes the main causes of the problems.Through PEST and SWOT analysis,analyze the advantages and disadvantages of LK Rural Commercial Bank in the credit marketing process of inclusive small and micro enterprises,and propose targeted optimization measures for the credit marketing strategy of inclusive small and micro enterprises.The STP theory is used to subdivide the credit market,target market and market positioning of LK Rural Commercial Bank’s inclusive small and micro enterprises,and the 4P theory is used to formulate and optimize the products,pricing,channels and promotion strategies of LK Rural Commercial Bank’s inclusive small and micro enterprises’ credit marketing,mainly through product innovation and packaging,internal pricing transfer,differentiated interest rate pricing,online and offline integrated loan channels,strengthening marketing publicity,changing marketing thinking Strengthen strategies such as industrial customer expansion,and achieve a qualitative leap in the credit supply of LK Rural Commercial Bank’s inclusive small and micro enterprises.