1. Establish a market-oriented product innovation mechanism for small and medium-sized enterprises.
1. Improve the product structure and print the standard Microfinance Product Manual.
Second, in combination with the economic and financial development situation, consumer market and personal business development trend, we should extensively collect opinions and suggestions on product development, develop business products adapted to the market and customers, strive to achieve standardization and standardization, and highlight the product characteristics of serving small and medium-sized enterprises;
Three, in product development and innovation, it is necessary to form an interactive mechanism in which the headquarters business department takes the lead in development, branch cooperation, information feedback and promotion.
2. Promote the service development of small and medium-sized enterprises with featured products and services.
(1) Explore financial products suitable for serving township enterprises. Based on the customer structure and characteristics of the rural market, this paper studies the credit cooperation modes of "bank+professional organization+member", "bank+professional organization+base+member" and "bank+leading enterprise+professional organization+farmer", explores small financial business products suitable for serving agriculture, countryside and farmers, gradually meets the needs of rural customers for financial services, and takes the asset-liability business in the rural market as a new growth point.
⑵ Create a savings card combining borrowing and lending, and broaden the financing channels for customers. Explore and develop a new financing model of "Dafu Card+Credit", so that the newly launched "Dafu Card" can be tied with personal revolving loan, white-collar loan, "quick and easy loan" series products and credit business of cardholders. According to the cardholder's deposit accumulation, credit status, asset status, capital demand, repayment ability, etc., a credit line of less than 50,000 yuan will be granted to eligible customers, and loans will be automatically issued when the funds are used, and repayment will be automatically deducted when the funds are fully deposited.
⑶ Explore the credit service mode of tourism characteristic banks. Seize the integration of Mount Emei and Giant Buddha, explore the service mode of tourism banks, tailor service products around the upstream and downstream customers of the tourism industry, explore cooperation with city commercial banks and small and medium-sized enterprises in other scenic and cultural tourist spots, and jointly launch tourism financial services, such as inter-bank small travel overdraft, accommodation cards and other services, so as to create a service brand with local characteristics and tourism characteristics.
3. Promote accumulated loans and pay attention to the linkage marketing of SME customers.
1. For customers with credit stock, it is required that more than 60% of settlement funds must be made in this bank;
2. For high-quality deposit customers who have long-term and stable deposits with the Bank, if they apply for loans, they can be given preferential treatment in terms of interest rate pricing and quota size. ;
Third, increase the contribution of customers, and ask financial and credit customers with small stocks to help expand deposit and loan customers and fully tap the growth point of deposits.
4. Increase the expansion of customers' full margin acceptance bills in the circulation field.
In the field of circulation, household appliances business and motorcycle dealers, vigorously promote 100% deposits or certificates of deposit to issue bank acceptance bills. In operation, the funds needed for its first turnover can be supported by loans, and then the bank acceptance bill can be opened with the returned funds.