What are the marketing processes of financial enterprises?

Price: that is, by changing the product price (decreasing or increasing), implementing price discounts or concessions, changing payment terms and credit terms, and increasing sales volume, the sales revenue of products can be increased. Location: Sales channel is a key external resource and an important carrier for the company to bring its products to market effectively and quickly. Generally successful companies have incomparable advantages in sales network construction, coverage and management specialization. Promotion: that is, the company informs its target customers of its products and persuades them to buy them, which generally includes recruiting, training and motivating sales staff; Advertising; * * * relationship; Direct marketing and online marketing. People: The external image, temperament, internal quality and professional ability of enterprise employees can convey the quality information of the services provided by the company to customers, so it is also an effective marketing means for enterprises to improve their requirements for employees. Physical Evidence: Physical evidence refers to all tangible components that can convey the characteristics and advantages of enterprise products and services, including working environment and all physical products and facilities used to help the production of products and services. Process: that is, the process that customers must go through before obtaining products or services. Through the management of this process, enterprises can let customers experience the differences between their products and services, and enhance customer satisfaction and loyalty. Packaging: packaging should belong to the marketing means of products. Packaging is a part of the whole product, which can beautify the goods, raise the price of the goods and play an effective promotion role. Traditional marketing methods are well known to companies and are easily imitated by peers or other enterprises. Therefore, if a company wants to increase sales or sales volume, it must innovate in marketing methods to succeed. Using financial instruments for product marketing is an effective marketing method developed by the author on the basis of combining financial practice and theory (hereinafter referred to as the new marketing model). The basic principles of constructing a new marketing model. The participants of this marketing model are enterprises and banks, and the financial instruments involved are bank acceptance bills. The following will explain how enterprises use bank acceptance bills to sell products. In this marketing model, enterprises mainly sell their products to banks that are closely related to them. The reason why banks accept the products of enterprises is mainly to attract more deposits or loans to enterprises (of course, such loans can only be repaid with very reliable credit guarantees), which is in line with the psychological characteristics that banks need more deposits and lend more to high-quality customers. Here, enterprises do not simply deposit a sum of money in the bank and get orders from the bank at the same time. If so, enterprises need to use more cash to increase more bank orders, which is obviously not worth the candle. The ingenuity of this model is that enterprises only need a start-up fund (or leveraged funds), and then use bank acceptance bills to enlarge the deposit amount and loan amount, thus realizing rolling sales. Taking KLMY Company as an example, the explanation is as follows: KLMY Company has a bank deposit of 20 million yuan in the local Industrial and Commercial Bank of China, and ICBC takes this deposit as pledge. According to the company's credit rating, it issues a bank acceptance bill for the company at 2.5 times the deposit amount (6 times that of China Construction Bank and China Bank). Therefore, KLMY Company can obtain a bank acceptance bill 1 with a term of 6 months and an amount of 50 million yuan. KLMY Company discounted the above-mentioned 50 million yuan bank acceptance bill 1 in China Construction Bank or China Bank (the annual discount rate is 3%), and obtained a bank deposit of 49.25 million yuan (KLMY Company can easily obtain this bank deposit, mainly because the bank acceptance bill has a high credit guarantee, so the bank is willing to discount it for KLMY Company, earning interest from it, with almost no risk), and KLMY Company supplemented 750,000 yuan with its own funds. KLMY Company will deposit the 50 million yuan in Bank A, pledge the 50 million yuan deposit in Bank A, draw a bank acceptance bill of 50 million yuan for six months (assuming the credit multiple is 6.5438+0 times), and discount 49.25 million yuan to Bank B with the bank acceptance bill of 2, and KLMY Company will supplement its own funds of 750,000 yuan to get a bank deposit of 50 million yuan. This 50 million yuan is used for re-pledge and re-discount, and so on and so forth ... In the process of the above-mentioned capital movement, KLMY Company has great initiative in choosing which bank to deposit and discount. In the end, the condition for KLMY Company to choose which bank to discount its deposits is that the selected bank must buy KLMY Company's products: not only the deposit bank must buy the company's products, but also the discount bank must buy the company's products to achieve a win-win situation. Under the new marketing mode, banks have become an effective marketing channel and team of KLMY, and banks can also use their own customer resources to sell products of KLMY, which greatly saves the costs and expenses of traditional marketing methods.