The status quo of China's commercial banks marketing and Countermeasures
With the accelerated pace of China's reform of the financial system, the commercial banking market competition facing increasing time has gone to wait for customers. However, compared with the Western developed countries, commercial banks financial products and marketing, marketing concepts and marketing of commercial banks in China there is a considerable gap, this paper summarizes the status quo of China's commercial banking services marketing and deficiencies presented improve the development strategy of the status quo of China's commercial banking services.
Keywords commercial LZvWbaXbanks; marketing;; services; innovation

Introduction

With China's accession to WTO, especially in recent years, changes in the financial market supply and demand, marketing become an inevitable choice for commercial banks seeking to develop and improve operatingLZvWbaX efficiency. At present, commercial banks in China have a deep understanding of the importance of services in recent years contLZvWbaXinue to adjust their positioning, increased marketing efforts, has taken a series of marketing strategy, and achieved some results. However, compared with the marketing of commercial banks in developed countries, China's commercial banks marketing both system theory, or in the specific practice, there are still many deficiencies, the need to learn from Western commercial banks in the development of marketing experience based on recognize their own conditions and characteristics, the development of marketing strategies to adapt to the new environment.

, The marketing status quo of China's commercial banks

1 Marketing not know the place
China's commercial banks have been the importance of marketing a deep understanding of recent years continue to take a variety of marketing tools, to carry out a variety of marketing activities, and achieved certain results. However, many banks are often marketing as isolated skills, methods look, but do not affect all bank business philosophy philosophy, not yet fully establish a "customer-centric" marketing concept, many commercial banks marketing the level of staff expertise is limited, always considered f日夏养花网rom the bank's point of view, to promote their products in the first place. Related project services to customers, only emphasized the benefits of the service, without proper tips and explain possible risks to the customers. Also borrowed the concept of marketing, business strategy, marketing as marketing, sporadic use in advertising, publicity, public relations, ignoring the real needs of customers.

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