Some funding loan to the user feel difficult loans, the government too bank support economic strength is weak; on the other hand, the bank loan is put not out of weakness, loan marketing. How to solve this dilemma?

   In fact, loan marketing difficulties and economic downturn have a certain relationship, the economic situation is not optimistic about the present, both enterprises and farmers are very cautious in investment.

In terms of statistics, the rate of bad loans to farmers is very high, the count down may exceed 20%, why non-performing rate is so high? For many reasons, the most important is the risk control problem. For example, the loan funds risk is not big. Small scale farmers, but 100000 yuan of above, because the farmers to see other people do business and make money, if his own serious shortage of funds, lack of technology, information is not wide, blind investment projects, money can be servicing, lost even rural credit cooperatives the. This loan will strive to avoid.

    How to avoid this situation? One is the pure agricultural loans single amount, such as according to the loan management ability, were given 100000 yuan, 200000 yuan of authorization; two is to improve the county cooperative loan review committee on loan to control capability. Statistical data from the point of view, the county cooperative loan review committee approval of loans, non-performing rate of not more than 3%, quality is high; the three is to establish agricultural awareness, agricultural loans not only confined to the traditional planting planting industry, related industries, business should be classified as agricultural loans; to the county small and medium-sized enterprises to increase lending efforts. The four is to increase the proportion of mortgage loans.

  How to increase the effective delivery?

   Delivery must be greatly agricultural loans, focusing on city marketing business in the Small and micro businesses, small and medium-sized enterprise loan. Compared to other commercial banks in the Small and micro businesses loans have three more: it is a more flexible interest rate, loan price; two is a more flexible work efficiency that approval mechanism, including the facilitation should also be strengthened; the three is more abundant loan products, according to the loan risk degree setting price, high price risk the high degree of low price, low degree of risk.

  Specific include: one is to set up the small and medium-sized enterprise loan management department; the two is the small and medium-sized enterprise loan professional management, professional management; three is to build a team of professional technical team, in terms of loan marketing mechanism construction.

  Loans to farmers to set up a special department or have a professional team responsible for the management, management in addition to adhere to high quality of grassroots organizations, permission to put farmers loan, low quality to limit input or less running outside, but also on the classification policy, set different interest rates for different degrees of risk of loan, setting simple procedures in different ways for different degrees of risk of loan; low risk loan to build Easy Access system.

  Loans to farmers to further increase the flexibility of the technique, the borrower and guarantor photographs and other measures to distinguish between classes, not to make it rigidly uniform.

  To guard against the risk of loans to implement all aspects; to establish service mechanism is more flexible, practical, fast, all for customers, all the convenience of customers, as long as the customer, we will take the initiative to marketing; customer as far as possible to avoid the inferior.

   The selection of quality customer means and technology to further improve, based on the training of qualified personnel, system and mechanism to further improve the loan management technology.

   City Business Marketing?

   One is the basic mechanism of leader of public relations, and corporate and customer manager for each business door survey; two is the establishment of archives, classified as high quality, good, general, poor grades; three is to grab the loan customers from other banks customer resources, mainly to fight, fight, fight prices efficiency of products; the four is held at least once per year Social Enterprise Association, strengthen communication, increase customer loyalty. Five is to give preferential interest rate on cooperates for a long time, high quality loans to customers; six is to some high quality customer appropriate to extend the credit period and the period of the loan.