Specific measures and methods are as follows:

First, strengthen leadership, unify thinking and do a good job in mobilization. Let all employees deeply understand the present form. In the first quarter, major banks and financial institutions competed to win customers, absorb deposits and issue loans. Our society is facing great competitive pressure, in order to complete the "good start" indicators and tasks issued by the association with high quality and high efficiency. Every employee in our branch must take active actions to improve their awareness of vigilance and competition. Clear objectives and tasks. Actively unite under the unified leadership of the branch director. Form a unified goal and thought. Every employee, take the initiative to go to customers and go to the market. Make full use of their respective customer resources and give full play to their respective advantages. Make suggestions and efforts for a "good start".

Two, strengthen the loan marketing, do a good job in examination and approval and management. It is necessary to strengthen the marketing responsibility of all-staff loans and establish a sense of competition. Firmly establish the competitive consciousness of loan marketing. Loan marketing has tasks, pressure and motivation. All employees should not only be familiar with and understand the credit business, but also be proficient in business processes. For all marketing employees with high loan quality, no default of principal and interest and normal form, a positive incentive policy will be implemented according to a certain proportion of interest income, which will be cashed in to the employees themselves; On the contrary, loan marketing is not well formed and linked assessment is implemented. We should give full play to the advantages of financial products and meet the needs of urban customers. According to the industrial structure and economic structure of the region, according to local conditions, we should formulate scientific marketing strategies, firmly establish the concept that loan households are the "food and clothing parents" for the survival and development of credit cooperatives, actively provide high-quality and efficient services to loan households, help them develop their economy, improve the initiative of loan marketing, meet the credit needs of different levels, groups and customers, and achieve a win-win situation.

Third, the implementation of benchmarking online shop construction, improve service level. As an important work in 20021,the construction of benchmarking online stores will continue to strengthen the construction of high-quality and civilized services of online stores in 2022. First, we should strengthen the cultural construction within the society and enhance team cohesion. The second is to strengthen staff training and learning, and improve their professional skills and literacy. The third is to strengthen the construction of business network environment, promote the 6S culture in the office, and standardize the counter service process. To enhance our brand image.

Countermeasures for the development of bank corporate business

The expansion of customers and deposit resources is the key to the business of grass-roots outlets, and at the same time, marketing should be carried out in time according to customer needs to provide enterprises with all-round financial services. The author believes that we should grasp the following three key links:

First, lock the marketing target and establish the main direction.

First of all, grass-roots banks must strengthen market research in the area where their business outlets are located, systematically collect information on customers and funds, carefully analyze the local economy and the situation of their peers, clarify the advantages and disadvantages of their own business development, lock in the development direction and marketing objectives according to local conditions, formulate feasible marketing plans, strive for the competitive initiative, and strive to create a competitive advantage of leading peers.

Secondly, grass-roots banks should lock in the main direction of business development, determine the dual-track development strategy of "grasping stock and expanding innovation", increase the maintenance of stock accounts and tap the potential of stock customers internally, and broaden the depth and breadth of cooperation with customers; At the same time, strengthen visits to important government enterprises, collect, dig and master the source information, and master the new projects, special funds, investment promotion, production and operation of local government enterprises. And ensure that the marketing work will always have a steady source; In addition, when marketing to public customers, we should adhere to the principle of "grasping the big and not letting go of the small", not only to pick up sesame seeds and watermelons, but also to make them blossom and bear fruit.

The second is to refine marketing objectives and implement differentiated services.

Grass-roots banks should sort out customer information and implement classified management. According to the capital scale and development prospect of customers, customers can be divided into general customers, mid-range customers and high-end customers, and different marketing strategies can be adopted for different levels of customers, which can be adjusted according to the changes of customer conditions. For ordinary customers, it can be maintained by business counters and lobby personnel, focusing on service marketing; For mid-range customers, because of its own value, it will cause competition from peers, and the enterprise has begun to take shape and has a trend of development and growth. Therefore, it should be maintained by specialized personnel, increase emotional input on the basis of good service, take regular and irregular home visits, timely understand and master the enterprise dynamics, and carry out research in time; For high-end customers, because of their high gold content and important position, and the vast majority of customers have complex relationships and many management levels, they are inextricably linked with various banks and are the most competitive in the industry. Therefore, it is necessary to establish a lean, efficient, patient and diligent marketing team, do a good job in relationship marketing, service marketing and personalized marketing, and carry out appropriate high-level marketing.

Third, all-round attack, multi-pronged approach to grab the market

The first is to enlarge and strengthen the fiscal and taxation households. The customers of the fiscal and taxation system have always had huge funds and great influence. Therefore, the heads of grass-roots banks should take the marketing of such institutional customers as the top priority, be willing to run and stand up, keep regular contact with the top management of local financial departments, establish good relations, and at the same time implement responsible marketing teams, clarify marketing objectives, and do a good job in information communication in all aspects.

The second is to ask non-loan households for resources. The stock of non-loan customers is a treasure house that can gain income through hard work. The heads of grass-roots banks should pay attention to information capture while maintaining daily. For example, the issuance of deposit certificates, the handling of capital increase business, the application for increasing the withdrawal amount, the daily report of funds that enterprises need to print due to reconciliation, the information obtained by chatting with enterprise financial personnel, and the flow direction of each fund of enterprises should all be related to the business development of customers, so as to grasp the subtle and easily overlooked marketing opportunities.

The third is to seize the key core customer groups. If grass-roots banks can cooperate with key core customers, it will have a great impact on related businesses. Therefore, grass-roots banks should give full play to their overall advantages, rely on the spirit of teamwork, work together with Qi Xin to tackle key problems, keep close relations with middle and senior managers of enterprises, actively strive for the listing of local leading enterprises and companies, and further enhance their local market share.

The fourth is to extend marketing with loans. Loan and deposit is one of the best means to expand customer resources. Therefore, grass-roots banks should establish the concept of "promoting the development of debt business with the development of asset business", actively market high-quality leading enterprises to declare loans and expand such business. In addition, it is necessary to strengthen the closed management of loan funds, strengthen the management of returning sales income of enterprises, and promote the return of customers' funds. At the same time, we can seize the key borrowers, do a good job in the extended marketing of its upstream and downstream customers, play its role as a new force and promote the rapid growth of the company's business.

The fifth is to increase marketing chips with new products. Improving product coverage and enhancing enterprise loyalty are effective measures to attract and stabilize customers. Grass-roots banks can often enter enterprises, institutions and associations to provide financial services, broaden the depth and breadth of cooperation with customers, actively promote new products with high customer acceptance and great benefits, and open up a new situation of "marketing customers with products, opening up markets with products, and promoting rapid business growth with products". For example, relying on the industrial park, support the establishment of off-bank self-service banks, and at the same time enter the enterprise's key marketing payroll business, support the marketing of bank cards and e-banking products, and increase marketing chips.

The sixth is to promote the normalization of the linkage marketing model. Grass-roots banks should do a good job in the service of the main front of the business window, improve the mechanism of "three-ring linkage marketing of counter, lobby and site" and do everything possible to make good use of all resources to expand the company's business. For example, experts in product marketing exchange experiences at the morning meeting and so on. So as to improve the work efficiency of the "window", the daily service quality of the lobby and the external marketing ability of the account manager, and normalize the marketing mode of information sharing, internal and external linkage, mutual cooperation and joint management.

Seventh, strengthen the management of enterprise marketing team. In today's fierce competition in the same industry and the increasing demand of customers for financial services, grass-roots banks should pay attention to the self-image of marketers, improve the quality of marketing teams and build marketing brands. It is necessary to grasp the key link of account manager, overcome the difficulty of insufficient personnel, equip full-time company account managers, RMB commissioners and settlement engineers, enrich capable and responsible employees into company account managers, set up special business task teams in time, strengthen business knowledge learning and training, directly link performance with account managers' income with quantitative indicators, conduct fair assessment, fully mobilize the marketing enthusiasm of account managers, and promote the company's business development.

Eighth, fine management of public deposits. Grass-roots banks should strengthen the basic management of corporate business, regularly monitor and analyze the overall development of corporate business, establish monitoring accounts for key customers and large-scale system companies one by one, keep abreast of the changes of their capital inflows and outflows, hold an office meeting at least once a week, report relevant data and information, exchange and analyze market, customer and peer information, and put forward effective solutions to promote the development of corporate business.

What are the marketing methods of commercial bank loan business?

Hello, the marketing methods of commercial bank loan business are as follows:

Market management concept

The actual needs of customers

Market adaptability and elasticity

Establish marketing concept

So much for the introduction of the public loan marketing plan.