西安理工大学工商管理硕士学位论文 used to summarize the advantages, disadvantages, opportunities and threats of small and micro enterprise credit business of the sub-branch. Then STP marketing theory and 7P marketing theory are used to optimize the marketing strategy ofsmall and micro enterprises credit business. Finally, it puts forward the guarantee measures of marketing strategy optimization from four aspects: system, manpower, technology and cost. In order to effectively improve the marketing ability of small and micro enterprise credit business of sub-branch, this paper puts forward comprehensive optimization suggestions on the marketing strategy of small and micro enterprise credit business of sub-branch from the aspects of product, pricing, channel, promotion, personnel, tangible display and process from two aspects of BC bank head branch and sub-branch. It is hoped that through the study of this paper, we can establish a feasible marketing system for small and micro enterprise credit business for BC Bank XM branch, and realize the high-quality development of small and micro enterprise credit business. Key words: Inclusive finance; Small and micro enterprises; Marketing strategy Paper type: Applied Research III 目录 1 绪论和文献综述 .............. 1 1.1 研究背景 .............. 1 1.2 研究目的与意义 ................ 2 1.2.1 研究目的 ............... 2 1.2.2 研究意义 ............... 2 1.3 研究内容与方法 ................ 3 1.3.1 研究内容 ............... 3 1