Optimization Research On Marketing Strategy Of "Speed Loan" Products Of PSBC,SZ Subbranch

As the development of China’s economic society enters the new normal,individual customers have an increasingly urgent need for funds in their operations.Especially in recent years,the CPC Central Committee has put forward the strategic plan for rural revitalization.To implement the Party’s financial principles fully,major banks will strictly implement the strategic policies of the CPC Central Committee,vigorously expand the rural loan market,support peasant households in their operations and provide loan services.However,there are still some problems in the development of credit business,such as small profit margin,poor market prospects,and rising personal financing costs.At present,the loan demands of individual customers are very different,so that it is increasingly difficult to maintain the stability of existing customers.In this paper,the marketing of the "Speed Loan" products of SZ Branch of Postal Savings Bank is studied,and the optimal marketing strategy of "Speed Loan" products in SZ city is explored and formulated on this basis,so as to promote the healthy and stable development of small loan business and help the development of local real economy.This paper takes the "Speed Loan" products of SZ Branch of Postal Savings Bank as the research object,expounds the concepts and theoretical basis of micro-loan,marketing strategy,service marketing and other related concepts,and.Through the research methods of questionnaire survey and statistical analysis,it is found that the marketing strategy of "Speed Loan" products of SZ Branch of Postal Savings Bank has problems in the aspects of customer,cost,convenience and communication,such as strict in loan approval conditions,insufficient in the convenience of mobile banking,and passive in communication with customers.On the basis of analyzing the causes of the problems,this paper tries to put forward the optimization strategy for the marketing of the "Speed Loan" products from the aspects of customer demand,consumption cost,convenience and communication,as well as the guarantee measures for the implementation of the optimization strategy.Through this study,it is expected to provide practical guidance for further improving the innovation and marketing of "Speed Loan" products of SZ Branch of Postal Savings Bank.