金融脱媒趋势下商业银行基于顾客价值的应对策略分析

近几年,金融脱媒在中国已逐渐显现并对传统商业银行利模式带来影响。环境的变化迫使商业银行形成以顾客为导向的营销策略。为了提升顾客价值,商业银行应从开展综合经营、发展个人金融、网络业务、机构业务等方面来积极应对。

Anlysis of Countermeasures in Commercial Banks to Disintermediation Based on Customer Value

In Recent years, disintermediation appears in our country gradually and affect the profit-making mode of traditional banks. Commercial banks have to adopt the marketing strategy based on customer direction. In order to add customer value, commercial banks should focus on comprehensive management, personal financial business, electronic bank business and institution business to react actively to disintermediation.