【正文】 provement. Second, in the special issue of bank Web sites and personal finance construction, the design of the domestic banking site not human, update a timely fashion. Money special issue of the content side fashion and leisure, and banking links not close. Only Industrial and Commercial Bank of China, for example, a single page on its Web site, special issue of loose fiscal and not more attractive, financial literacy and more ways to promote the single release, if the focus and financial resources for the highend customers to design beautiful, with collectible publicity pictures, the effect will be better. 5, customer relationship management. Customer relationship management is the core of mercial banking market, now various mercial banks, the pany attaches great importance to maintain customer relationships, maintaining personal customer relationships is the lack of appropriate attention, especially for a large number of highquality resources to the lack of effective management of individual clients. Not established the personal quality standardized customer records management system. On the bank, his private banking customers slogan is: location end, highend petition, nurturing potential. Private banking customers a standard classification of financial assets over 10 million daily average quarter。s rapid development. 3, the development needs of the retail banking credit system, boost. Credit system is built on the basis of personal credit information system, that is the specialized information center all information aggregated personal data, including the basic personal credit information and related records. Individual residents in the same bank, tax, and other economies to exchange, whether the credit information system will be honest and trustworthy as the credit data import database. Internationally, the specialized credit institutions according to the situation recorded data can be divided into two categories, one is to retain only the bad credit history bad credit history usually records the number, time and place Which financial institutions with bad repayment record。s is synonymous with fast food, Starbucks to bring you unique experience. Our retail banking business has not one has its own unique brand. Second, less developed credit system, the development of retail banking is the main constraint 1 Lack of credit system, leading to a bank resident asymmetric information. At present, mercial banks and between the residents, in fact, there is a wide range of information asymmetry, namely the banks, consumerrelated information in the Silver A transaction between the two sides plete and asymmetric distribution. Residents and asymmetric information between banks performance in many areas, such as banks and credit of the residents of personal ine is very limited grasp of information, the residents present and future personal ine and spending and so on inplete information. Consumer credit applications are personal ine, the amount of property, liabilities, and whether any bad credit records and other personal credit information, bank decisionmaking is very important but it is difficult fully informed of banks。s Best Inter Bank in the title is not either substance. The other is the retail bank39。s banking industry understanding of the retail banking there are four errors: 1, can not be scientific and reasonable customer segments, customer can not provide differentiated products and services, customer management loose. Stateowned mercial bank39。s mercial banks to retail banking business, the financial sector has bee the major theoretical and practical issues. 1, the development of retail banking in China and problems of In recent years, China39。 both business asset may also be a liability business and intermediate business, it can be online banking and so on. In the West, retail banking is the most important source of profit for mercial banks. China39?，F(xiàn)在，有條件的銀行，已經(jīng)通過(guò)多種管道開(kāi)展客戶關(guān)系維護(hù)工作，如開(kāi)展 “ 理財(cái)講座 ” ，高端客戶茶話會(huì)，短信節(jié)日送祝福等活動(dòng)。就工行來(lái)說(shuō)，他對(duì)私人銀行客戶提出的口號(hào)是：定位中端、競(jìng)爭(zhēng)高端、培育潛力。僅 以工商銀行為例，其網(wǎng)站頁(yè)面單一，理財(cái)專刊活頁(yè)較多且不具吸引力，理財(cái)知識(shí)多以宣傳單的方式發(fā)放，如果集中精力、財(cái)力為高端客戶設(shè)計(jì)出精美的、具有收藏價(jià)值的宣傳畫(huà)冊(cè)，效果會(huì)更理想。隨便一個(gè)網(wǎng)點(diǎn)的營(yíng)業(yè)大堂，一天都有幾百人、上千人的客流量，而且還都是銀行已經(jīng)開(kāi)戶的客戶，這應(yīng)該首先成為理財(cái)產(chǎn)品營(yíng)銷的對(duì)象。 營(yíng)銷渠道的建設(shè)。 二是中國(guó)是一個(gè)不成熟、不穩(wěn)定的市場(chǎng)，對(duì)市場(chǎng)的最新變化、金融產(chǎn)品營(yíng)銷的階段性和關(guān)聯(lián)性等特征。 金融產(chǎn)品推介服務(wù)環(huán)節(jié)。要明確客戶隊(duì)伍營(yíng)銷指標(biāo)責(zé)任制?？蛻艚?jīng)理通過(guò)一定的營(yíng)銷渠道，把金融理財(cái)產(chǎn)品或服務(wù)傳遞給個(gè)人客戶。人們付費(fèi)是因?yàn)橘I了優(yōu)質(zhì)的產(chǎn)品，享受了滿意的服務(wù)，得到了最佳的體驗(yàn)。 三、對(duì)國(guó)有商業(yè)銀行擺脫銀行零售業(yè)務(wù)發(fā)展困境的思考 某國(guó)際知名超市將辦公室建在了收銀通道