工商银行黄冈分行力促小企业业务扎实开展

Huanggang commercial bank branch urged small solid business development

In February, industrial and commercial bank branch of huanggang analyze the small business face economic situation and market competition environment, combinative oneself is actual, clear objectives, increase marketing efforts, to realize the stable growth of the indicators small businesses to lay the foundation.

One is to continue to target customers around the small, deepen the precision marketing. With "customers ask for extension, than" the high quality customer development strategy as the main line, around the "stock customer maintenance ascension and new customers accurate marketing" two level key marketing and linkage marketing. Small businesses around the target customers, what implement marketing plan, gaze at the customer, not only products, not only and product, not only in the interest rate, do market analysis, product butt and business communication foundation, improve service efficiency, promote the marketing effect.

The second is to make clear of the characteristics of the market economy and products to stimulate the market marketing work development. On the analysis of the market advantage and work experience, on the basis of their own small clear financial business development direction and emphasis, around the core customer vertical integration and trade financing, industry groups and regional set optimal, small micro customer development and business products, such as innovation subject, put all the strength of the business, stronger and bigger, seize the customer, market share, to improve the quality of customer service, do than on diversified service means competition clients.

Three is to increase small business loan scheduling and credit availability strength. To strengthen all key indicators and specific business monitoring, supervision and urge, in new customers access, business process tracking and function aspects of coordination and reflect more superior line communication, with branch do small business customers financial business linkage marketing. At the same time, conform to the head office funds configuration mode changes, the marketing work forward, trying to do in each month and has the loan business in the work, and comprehensively improve the small business credit on the strength son.

Four is to improve the small business loan risk prevention and control level. To further strengthen the customer access management, strict inspection customer first source of repayment, earnestly implement the higher quality of the second source of repayment, in the marketing work in real risk prevention of double insurance. To strengthen the credit after field and the field monitoring inspection, implementation of small business credit risk traffic system, from the enterprise cash flow, settlement to line, major issues in such aspects as, timely find symptom, quickly resolve the risk. Earnestly implement the requirements of the head office credit monitoring, further play the role of the department linkage system, speed up the key branch, the key target of bad assets disposal progress, ensure that small business loans defect rate control in management within the bottom line, and steadily improve small business loan quality level.