【導(dǎo)讀】匯兌、投資理財?shù)葮I(yè)務(wù)。零售銀行業(yè)務(wù)不是某一項業(yè)務(wù)的簡稱，而是許多業(yè)務(wù)的。以是資產(chǎn)業(yè)務(wù)，也可以是負債業(yè)務(wù)、中間業(yè)務(wù)，還可以是網(wǎng)上銀行業(yè)務(wù)等等。西方，零售銀行業(yè)務(wù)是商業(yè)銀行最主要的利潤來源。臨大發(fā)展的局面。目前發(fā)展零售銀行業(yè)務(wù)面臨的主要障礙是銀行內(nèi)部機構(gòu)不完。善、市場化運作機制不健全和信用法規(guī)不完善等。占有越來越大的份額。近年來，我國銀行業(yè)明確提出把零售銀行作為主要戰(zhàn)略方向之一提到議事日程，農(nóng)行把零售業(yè)務(wù)發(fā)展作為股改上市轉(zhuǎn)型的重點，中國銀行牽手蘇格蘭皇家銀。鑒于2020年零售銀行業(yè)務(wù)對銀行業(yè)績的貢獻，進入2020年來，各家銀行已。經(jīng)發(fā)力主攻零售銀行業(yè)務(wù)，中國銀行業(yè)的競爭正式進入了短兵相接的時代。此外，他們和客戶的接觸通常是交易性的，因。國有商業(yè)銀行的零售銀行業(yè)務(wù)還處在大眾營銷階段，這樣就造成了在產(chǎn)品營。而我們的零售銀行業(yè)務(wù)還沒有一家有其獨特的品牌。

　　

【正文】 ting stage and the relevance of other features. On stocks, bonds and other market grasp。 of national control policies on the mortgage industry, mortgage business of automobile。 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 improvement. 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。 on highend customers is the division of financial assets, quarterly average daily 100 10 million。 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.