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1、我国农村金融信贷市场营销分析摘要改革开放以来，我国农村金融发生了巨大变化，信贷市场也不断得到创新和发展。在市场营销方面也成效显著。然而，与其他金融机构相比，我国农村金融机构在营销理念，营销体系等方面还存在一定差距。在此基础上，本文将从这一现状出发，从农村金融信贷市场营销观念、营销现状、营销不足、营销策略等方面加以研究，以期能够提高对我国农村金融信贷市场营销的认识。农村金融信贷市场营销是我国农村金融机构发展所必需的现代管理理念，农村金融机构的成功发展离不开金融市场营销理论的指导和运用。本文首先对信贷市场营销概念作出概括，并阐述信贷市场营销工作对我国农
2、村经济发展的重要性，为我国农村信贷市场创新工作提供理论支持。接着介绍目前我国农村金融信贷市场营销工作的现状，并在此基础上看出不足和一系列影响我国农村金融信贷市场发展的因素。然后在分析一系列宏观因素和微观因素的基础上提出改进措施。最后用SWOT分析方法对我国农村金融信贷市场发展状况进行分析，对国外发达的农村金融信贷提出借鉴。以此真正达到农村金融机构服务“三农”的目的，促进农村经济的长远发展。关键词：农村金融；信贷市场；营销分析；服务“三农”；营销策略AnalysisofmarketinginChina'sruralfinancialcreditAbs
3、tractSincethereformandopeningup,Chinahasundergonetremendouschangesinruralfinance.Creditmarketshavebeencontinuouslyinnovationanddevelopment.AndCreditmarketsalsohavebeencontinuouslyinnovationanddevelopment.However,comparedwithotherfinancialinstitutions,China'sruralfinancialinsti
4、tutionsinthemarketingconcept,thereisstillagapbetweenthemarketingsystem.Onthisbasis,thispaperwillstartfromthepresentsituation,fromtheruralfinancialcreditmarketingconcepts,marketingsituation,marketing,marketingstrategyandotheraspectstobestudied,inordertoimprovetheunderstandingof
5、marketinginChina'sruralfinancialcredit.ThemarketingofruralfinancialcreditmarketisnecessaryforthedevelopmentofChina'sruralfinancialinstitutionsinmodernideasofmanagement,thesuccessfuldevelopmentofruralfinancialinstitutionswithouttheguidanceandtheuseoffinancialmarketmarketingtheo
6、ry.Thispapermadeasummaryofthecreditmarketingconcepts,andexpoundstheimportanceofthecreditmarketingofChina'sruraleconomicdevelopment,toprovidetheoreticalsupportforChina'sruralcreditmarketinnovation.ThenintroducedthecurrentstatusofChina'sruralfinancecreditmarketmarketingwork,fact
7、orsbasedonseeproblemsandaseriesofdevelopmentofChina'sruralfinancialcreditmarket.Thenbasedonanalysisofaseriesofmacrofactorsandmicrofactors,putforwardtheimprovementmeasures.FinallyusingSWOTanalysismethodtoanalyzethedevelopmentsituationofChina'sruralfinancialcreditmarket,putforwa
8、rdthereferenceofforeigndevelopedruralfinancialcredit.Inordert
