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信贷营销是把贷款流向客户的信贷经营方式,是总行、分行和支行各负其责,各有侧重、上下联动、互通信息、相互配合的系统工程。贷款营销的实施包括营销计划的制定、目标市场的选择、市场定位、具体营销手段的确定与实施、信息反馈和营销方案的调整。 一、发展金融业要求开展信贷营销 1、资金管理体制改革的要求。中国人民银行从1998年起取消对国有商业银行的贷款限额控制,实行资产负
Credit marketing is a credit management method that flows loans to customers. It is the head office, branches and sub-branches that are responsible for each other, and each has a system project that focuses on, links up and down, exchanges information, and cooperates with each other. The implementation of loan marketing includes the formulation of a marketing plan, the selection of a target market, the positioning of the market, the determination and implementation of specific marketing methods, and the adjustment of information feedback and marketing programs. First, the development of the financial industry requires credit marketing 1. The requirements of the reform of the capital management system. The People’s Bank of China has, since 1998, lifted the quota control on state-owned commercial banks and implemented negative assets.