Research On Optimization Of Marketing Strategy For Corporate Business Of JN Rural Commercial Bank

Due to the characteristics of corporate business itself,corporate business has already accounted for a large part of the total revenue of commercial banks.In terms of commercial banks,it is very meaningful to allow corporate business to develop healthily and rapidly.Generally speaking,commercial banks mainly start with the following contents for corporate business: corporate online banking,corporate deposits,corporate credit,foreign exchange settlement,etc.Corporate business could be straightforwardly understood as "business to the company." However,the current situation in the financial industry in China is that quite a large number of large-scale commercial banks lack effective means to maintain and develop high-quality customers in the process of engaging in corporate business.On the other hand,it is closely related to the economic development of state-owned enterprises by comparing and analyzing the overall operation of commercial banks.It is known to all that the benefits of commercial banks mainly come from the spread between bank deposits and loans,but with the continuous promotion of market-based interest rates,the bank’s spread has been narrowed.Under such premise,the methods of expanding the corporate business of commercial banks and improve its marketing level is an urgent issue in the course of its healthy development.From a theoretical point of view,the existing academic research objects on the marketing strategies of corporate business of commercial banks in China mainly focus on large state-owned commercial banks and joint-stock banks,and there is little research on rural commercial banks.Based on the above research background,this article mainly conducts a systematic analysis and in-depth research on how to improve the corporate marketing capabilities of JN Rural Commercial Bank,and puts forward specific strategies and suggestions.This article selects JN Rural Commercial Bank as the research object by using field investigation,comprehensive literature data analysis and other research methods,and conducts an in-depth and comprehensive analysis of marketing development strategies of JN Rural Commercial Bank’s corporate business according to the research ideas of raising questions,analyzing problems,and solving problems.Focusing on the research goals,this article first briefly describes and introduces the characteristics of the corporate business of the rural commercial bank,and summarizes some well-known marketing theories in marketing.After that,combined with the marketing environment of JN Rural Commercial Bank’s corporate business,it introduces the advantages,disadvantages,opportunities,and threats of JN Rural Commercial Bank’s corporate business in the process of transformation and development,and draws SWOT model to analysis the results.This article analyzes and summarizes the marketing management of JN Rural Commercial Bank’s corporate business market in China,and puts forward several problems existing in the current JN Rural Commercial Bank’s marketing management of corporate business,such as the lack of product innovation,the lack of difference in uniform standards for product pricing,the lack of coordination in the construction of online and offline marketing channels.It also analyzes the reasons for the problems in the research of marketing strategy of corporate business.Combining the mature theory and the actual situation,the marketing strategy and suggestions for the corporate business of JN Rural Commercial Bank are put forward.From the perspective of price standards,channels,etc,it puts forward effective opinions on optimizing the marketing of JN Rural Commercial Bank’s corporate business,such as upgrading marketing concepts,strengthening market segmentation,and doing differentiated pricing,so as to point out the direction for the sustainable development of JN Rural Commercial Bank’s corporate business.Through theoretical knowledge,combined with the practice of business marketing development of JN rural commercial bank,and suggestions on further improving and developing the business of JN rural commercial bank from the aspects of creating differentiated business model and basic transformation ability,this article could provide some ideas for the next step of business development of JN rural commercial bank.Meanwhile,the above analysis provides reference value to effectively enhance its overall competitiveness,and also provides some experience and reference for the transformation and development of business marketing of rural commercial banks in other regions.