【正文】 hannel, the financial banking products or services delivered to individual customers. That which involves a total of four ponents: the client manager, financial products, marketing channels and customer personally, so we start from the four areas of retail banking business development marketing plan. 2, client manager selection. One is to establish a professional etiquette of personal customer managers. Marketing team to target specific customers responsibility. Determine the client manager selection criteria, the implementation of open selection, and elimination of the system. The second is to establish ongoing training mechanisms, including marketing skills, service etiquette training. Account Manager team is representative of the image of foreign banks, their quality is critical, and thus overall quality of the team should be the highest bank staff should be familiar with different areas of the financial sector, on different product lines should have a basic knowledge . 3, referral services to link financial products. First, the remendation of financial products to reflect professionalism. Account Manager will also need two technical support that product managers and related professional organizations, such as insurance, securities, funds and futures panies. These things need to be focused through the client manager, deliver professional consulting to customers information. Second, China is an immature, unstable market, the latest market changes, financial product marketing stage and the relevance of other features. On stocks, bonds and other market grasp。 on the end customer is the standard classification of financial assets quarterly daily average of 5 100 million potential customers on a standard classification of financial assets, more than 50,000 daily average quarter. The deposit amount only to measure the division of the market to individual customers were also very shallow, there is no growth in the value of customer analysis, what kind of customers the level of the client by the Manager to maintain and provide what kind of products, but also a lack of standardization mode of operation. Also remain in the public marketing stage. Now, the conditions of banks, has been carried out through various channels to maintain customer relations, such as launching the financial seminars highend customers tea party, short message sending holiday wishes and other activities. But the marketing costs of the tensions, it is difficult to make customer relationship maintenance work to a new level. Four stateowned mercial banks have strong strength, can try to extend its services to the financial management of financial outside of other areas, such as internal customers around the topics, different forms of organized clubs, such as Swimming Club, Badminton Club and Bicycle Club and so on, through the club activities will be linked more closely to our customers. 。 on the international market exchange rates, interest rate fluctuations on the impact of retail banking, financial products need to promote areas of service have a prehensive knowledge reserves. Third, personal financial services to go beyond the scope of financial planning to expand to the customer every aspect of life, which the bank is even more closely with the customer contact. This requires that areas of service in product launches and more personalized services. 4 marketing channels. Now, banks in the marketing channel construction, the original work is divided into the following categories: financial convenience stores, general financial works, financial centers, wealth management center. Banks for wealth management center is also invested heavily in renovations, with the best marketing manager and financial manager. In the lobby of the building business, banks are equipped with excellent hall manager to divert customers, insurance panies, real estate development pany, also took the opportunity to stay at the banks work, forming a number of financial institutions to conduct a joint marketing situation. A work of business casual lobby day there are hundreds, thousands of traffic, but also all banks have accounts of customers, it should first be the object of financial product marketing. However, the human environment in the lobby design, unified corporate identity, business manager on relatively high quality of construction, the banks are working in the need for im