Research On Marketing Strategy Of JT Bank NB Branch Small And Micro Credit Business

In recent years,small and micro enterprises are entering a stage of rapid development and playing a significant role in promoting the national economic system.Small and micro enterprises cover almost all industries in the national economy,becoming the main absorbers of new jobs and the mainstay of the national economic system.Small and micro enterprises play a significant role in promoting the growth of national economy,expanding social employment,promoting scientific and technological progress and industrial upgrading as well as increasing the sources of national tax revenue,and play a pivotal role in realizing the stable development of national economy.Therefore,domestic commercial banks began to examine the status and role of small and micro enterprises in the financial industry,and began to explore small and micro business marketing methods,to provide solutions for small and micro enterprise loans,but also to create more profits for themselves.As for the country,in recent years,the outbreak of epidemic and the global economic slowdown,China has been introducing inclusive policies,calling on all banks to invest loan funds in the real economy,manufacturing enterprises and small and micro enterprises,reduce the financing cost of small and micro enterprises,and include the loans of small and micro enterprises in the bank assessment.At the same time,as an indispensable part of the local economy,small and micro enterprises have become the marketing target of various banks,and the small and micro market has become the main battlefield of competition for various banks in recent years.In the current complex international situation and the adverse impact of the epidemic,commercial banks have been thinking about how to carry out small and micro credit business in an orderly way,achieve sustainable development of small and micro business,and solve such problems as difficult and expensive financing for small and micro business.JT bank,as a state-owned bank,should actively respond to the call of the country,while creating economic benefits,but also shouldering its social mission.This paper summarizes relevant research results at home and abroad,takes STP theory,PEST theory,7PS theory and other relevant theories as the support,and takes the small and micro credit business of JT Bank NB branch as the core to conduct in-depth analysis of the small and micro market in NB region.First of all,the current situation of small and micro credit business of JT Bank NB Branch is expounded,including the overall operation,existing products and team building,etc.Then,from the perspective of customers,the problems existing in the development of small and micro business of JT Bank NB Branch are analyzed by means of questionnaire.Combined with the questionnaire results,SWOT analysis is applied.It comprehensively analyzes the advantages,disadvantages,opportunities and challenges faced by JT Bank NB Branch in the process of developing small and micro businesses.Finally,according to the actual situation of the operation and development of JT Bank NB Branch,it puts forward optimization measures in terms of products,prices,channels and so on.Under the condition of strictly controlling credit risks,it provides new ideas for vigorously developing the inclusive business of JT Bank NB branch.In addition,it also provides guarantee measures for the smooth implementation and landing of marketing strategy.