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今年房县支行通过科学细分信贷客户市场,灵活实施小额贷款的营销策略,使零售信贷业务得到了有效拓展。截止4月上旬,该行累计发放贷款885万元,占新放贷款的85%。房县地处鄂西北贫困山区,无大型企业,优良客户稀缺。面对有限的金融市场和激烈的竞争局面该行及时转换经营思维,把小额贷款作为拓展信贷的着力点。首先,该行将小额信贷市场划分成三大客户群,即以流通为主的批零客户群,以购房、求
This year, Fangxian Branch flexibly implemented the marketing strategy of small loans by scientifically dividing the credit customer market and effectively expanding the retail credit business. As of early April, the bank issued a total of 8.85 million yuan of loans, accounting for 85% of the new loans. Housing County is located in the impoverished mountainous area in northwest Hubei Province, no large-scale enterprises, excellent scarcity of customers. In the face of limited financial markets and fierce competition, the bank promptly converted its business thinking and made microcredit the focal point for credit expansion. First of all, the bank divided the microfinance market into three major customer groups, namely the retail-based customer base with circulation, with the purchase of houses, seeking