回归本源 银行零售业务要坚持以客户为中心
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摘要
十九大报告中关于深化金融体制改革的阐述对中国金融业提出了新要求;同时,在后利率市场化时代,金融市场环境产生深刻变化,商业银行零售业务面临巨大的转型压力。回归本源,坚持以客户为中心,围绕客户需求和客户服务体验,进行金融产品、服务流程创新与改进,构建金融服务新体系,是商业银行零售业务迎接机遇与挑战的不二法则。
The exposition of the 19 th CPC National Congress report on deepening the reform of the financial system puts forward new requirements for the Chinese financial industry, and at the same time, in the post interest rate marketization era, the financial market environment has undergone profound changes. The com-mercial bank retail business faces the huge transformation pressure. Returning to the origin, insisting on taking the customers as the center, focusing on the customer demand and customer service experience, innovating and improving the financial products and service flow, and constructing a new financial service system are the indispensable rules for the retail business of commercial banks to meet the opportunities and challenges.
The exposition of the 19 th CPC National Congress report on deepening the reform of the financial system puts forward new requirements for the Chinese financial industry, and at the same time, in the post interest rate marketization era, the financial market environment has undergone profound changes. The com-mercial bank retail business faces the huge transformation pressure. Returning to the origin, insisting on taking the customers as the center, focusing on the customer demand and customer service experience, innovating and improving the financial products and service flow, and constructing a new financial service system are the indispensable rules for the retail business of commercial banks to meet the opportunities and challenges.
引文
[1]人民日报.打好防范化解重大金融风险攻坚战[EB/OL].(2018-01-17)[2018-05-20].http://www.gov.cn/zhengce/2018-01/17/content_5257295.htm.
[2]吴玮琼.长江商业银行营销策略研究[D].武汉:华中科技大学,2013.
[3]白志鹏.中小商业银行互联网金融的机遇与挑战[J].上海商业,2015(8):43-47.
[2]吴玮琼.长江商业银行营销策略研究[D].武汉:华中科技大学,2013.
[3]白志鹏.中小商业银行互联网金融的机遇与挑战[J].上海商业,2015(8):43-47.