长春某商贸公司供应链整合与终端渠道拓展项目纪实

长春农商银行个体工商户贷款业务营销策略研究

个体工商户通常是指以劳动者个人及其家庭成员为主,用自有生产资料和资金独力地从事生产和经营活动的一类群体.一般经营各种修理服务类行业,服装加工业,家庭手工业,个体运输业,餐饮业小商品及政策允许的其他生产性,服务性行业.工商户贷款困难主要受个体工商户规模小,不稳定因素多,没有足够的银行流水,资产比较薄弱,信用状况不理想等因素影响.为此,长春农商银行准确把握市场脉络,对个体工商户进行定向的资金支持.为满足客户需求推出"满e贷""房e贷""优客贷"等信贷产品,不仅在流程上化繁为简,放款速度也十分快而高效. 本文以长春农商银行为研究对象,从长春农商银行对个体工商户贷款的含义,分类,流程等方面展开叙述.该行重点围绕省联社年初工作会议精神,深耕区域市场,聚焦支柱产业和重点项目,大力拓展科技创新,绿色金融,文化旅游等战略产业领域市场,积极搭建汽车零部件,绿色信贷,科创企业的多场景供应链融资平台,加大加快信贷投放力度和速度.2024年年初以来,长春农商行累计投放公司信贷资金34.27亿元,并且对助力个体经济回暖提出"三个提升",主要包括提升精准营销水平,提升业务办理效率,提升政策"红利"速度.该行依托"线上+线下"的方式深入社区,走进商区,开展"网格化"工作服务,积极对接个体工商户,与此同时,客户经理逐笔排查个体工商户信贷客户,针对受疫情影响的个体工商户,采取"应延尽延"的方式,积极落实减免罚息政策,帮助符合规定客户申请征信逾期处理;坚持聚合支付业务持续免费,结算业务手续费折扣优惠等政策不改变.本文运用PEST分析法,波特五力模型分析该行市场营销方面所面临的宏观环境和市场环境.通过市场细分,目标市场的选择和市场定位进一步细分客户群体,找到属于自己的市场并强化品牌定位和市场战略定位.通过SWOT理论模型分析长春农商银行与同行业相比的优势和劣势,在现有的市场经济状况及相关政策的扶持下所面临的挑战和机会.长春农商银行在资本,人才,品牌定位等方面亦有自己的优势.基于7Ps市场营销组合理论,指出长春农商银行在信贷产品单一,贷款利率定价过高,推广方式简洁,营销渠道不够丰富,与客户之间的亲密度较低等问题上存在的不足并提出改进性建议. 本文对长春农商银行个体工商户贷款业务营销策略进行研究并提出实施政策,为大多数农村商业银行对个体工商户的贷款业务提供一些参考价值,帮助农商银行和个体工商户实现双赢,促进可持续发展.

生鲜农产品供应链近场通信智能数据采集终端系统设计与开发

In order to solve the issue that the information transfer of fresh produce supply chain is not continuous, incomplete and untrue, and to prevent agricultural health threat to people's lives, this study has developed a data collection terminal based on near-field communication technology. At present, China fresh produce market for primary agricultural products, food processing and consumer demand increases year by year, but the infrastructure and information technology applications of fresh produce supply chain are behind, resulting in high loss of fresh produce throughout the supply chain in the circulation process, as well as low efficiency and poor reliability of the information, and therefore it is difficult to meet the needs of the modern market of fresh produce. In recent years, the consumption of fresh agriculture products has been continuing to rise with the development of society and the growth in people' s living standard. However, an increasing number of safety problems like poisoning and polluting have been triggered because of the quality problem of fresh agriculture products, which directly influences consumers' health and environmental security. Eventually, it has aroused widespread concern in the whole society. The discontinuity of fresh agriculture product supply chain information is one of the important reasons for the emergence of faulty products. The backwardness of data acquisition equipment and means in each link of fresh agriculture product supply chain, and the data in key link being not able to be collected due to environmental factors, are the main reasons for discontinuous information of fresh agriculture product supply chain. The paper first analyzes data collecting equipments of fresh agriculture product supply chain and its corresponding working conditions. Then, based on near field communication (NFC), bei dou system (BDS) and global system for mobile communications (GSM), it develops the integration technology data collection terminal of fresh agriculture product supply chain. The integration applications of NFC technology and Internet of things have become a focus research issue at home and abroad. In this paper, authors review the research progress of supply chain information systems of domestic agricultural products; summarize the key function of information technology in the agricultural supply chain and information system platform;and analyze the application feasibility of NFC technology in the agricultural supply chain information systems. The data collection terminal mainly includes four modules, namely NFC module, CPU (central processing unit) module, Bei Dou module, GSM module as well as its electrical system. When the data terminal writes data, it simultaneously writes BDS encrypted data to NFC label through NFC chip PN532, and then through GSM module, it transmits the encrypted data to the backend database in text message;finally, it transmits the data information to node enterprises platform by RS232, thus achieving three copies of the backup on fresh agriculture product data information. By means of the advantages of Internet of things and sensor networks, the data terminal implements automatic and intelligent data acquisition and encryption in every link of fresh agriculture product supply chain. And on this basis, it meets the changing needs of data acquisition and storage during the production process, reduces the degree of information asymmetry among node enterprises and enhances the productivity of node enterprises. In short, the data terminal lays the foundation for the fresh agriculture product traceability and has practical value. Compared with other acquisition systems, the biggest difference the terminal system has is that the system not only has the function to read the data, but also has a tag write capability, and can read the offline data stored inside the NFC memory chip carried by the system itself. The terminal reads in extreme environments. Although the speed is reduced by from 10%to 25%, the saving rate is still at 100%, fully meeting the needs of data acquis

长春第一汽车集团产中第三方物流运营管理分析

随着全球竞争的加剧、信息技术的飞速发展,物流这一新的科学学科具空前的影响力。20世纪80年代西方的市场机制推动运输业发展,第三方物流得以诞生。我国物流产业正处于起步阶段,特别是第三方物流,与发达国家之间具有较大差距,成本高、周转慢、库存大、效率低。 近年来,我国汽车市场增长势头强劲,我国汽车物流行业也得到了空前的发展机遇。一直以来,汽车物流业都是被国际物流同行所公认的最复杂的领地。通过与发达国家汽车物流模式的对比,发现了国内传统汽车物流业存在的弊端及差距。从而总结出第三方汽车物流模式是发展的必由之路。然而我国第三方汽车物流公司还处在发展初阶,其市场秩序、供应链运营、管理、控制方面都存在很多问题,因此业务运营转型,库存-运输系统整合,以及行业的重新洗牌和精细化的管理必不可少。 本文从国内外三方物流发展状态、方向着手,结合三方物流运营管理的基础要素与先进技术、管理手段,最终为长春第一汽车集团第三方物流公司目前物流运营管理工作遇到的问题提出解决方案。