加强客户营销是优化我行信贷资金配置的迫切需要。当前棉花收购主体多元化,市场竞争异常激烈,对棉花收购资金需求非常旺盛,迫切需要我们在市场调查的基础上,对客户进行细分,针对不同的目标客户采取差别化营销方案,切实摸准客户的需求,提供针对性的产品和服务。通过对客户的全程跟踪监管和服务,对客户的资信状况、经营管理、风险承受能力和发展前景有一个全面的、动态的了解,从而有利于更好地防范和化解信贷风险,做优资产质量,做大资产总量,提高经营效益,提升农发行竞争能力。 Strengthening customer marketing is an urgent need to optimize the allocation of credit funds in our bank. At present, the main body of the cotton acquisition is diversified and the market competition is extremely fierce. The demand for funds for cotton acquisition is very strong. It urgently needs us to segment the customers on the basis of market surveys, and adopt differentiated marketing programs for different target clients to effectively understand Customer needs, providing targeted products and services. Through the tracking and supervision of clients throughout the service, we have a comprehensive and dynamic understanding of customers’ credit status, operation and management, risk tolerance and development prospects so as to better prevent and mitigate credit risks and optimize the quality of assets , Increase the total assets, improve operating efficiency and enhance the competitiveness of ADBC.