我国商业银行代发工资业务创新发展策略研究

代发工资业务是各家银行竞相发展的一项重要的个人中间业务,是撬动整个零售业务最重要的支撑点之一,大力促进其发展具有非常重要的意义。本文认为我国商业银行需要创新代发工资业务处理方式,增加交易渠道,培育客户自助水平,营造新的金融消费环境,为客户提供高品质服务,解决排队等问题;通过把握营销机遇,挖掘客户需求,做好组合营销,不断满足代发工资客户日益增长的金融需求;通过产品创新,经营代发工资业务品牌,加强风险管理,打造独特的竞争优势;通过公私联动、整合营销,提高营销效率,扎实推进薪酬市场客户拓展工作,提升商业银行的核心竞争力。

Strategies for the Innovation and Development of Wage Distribution Agency Service of Chinese Commercial Banks

As one of essential supports of retailing business,wage distribution agency service (WDAS) is an important personal intermediary business that each bank is striving to develop.Chinese commercial banks should innovate the disposal methods of WDAS,increase trade channels,provide training for clients to improve their self-service ability,create a fresh financial consumption environment,provide clients with high-quality services and resolve problems that perplex clients in the process of service,such as long qu...