当前商业银行发展,针对特殊客户需求,实施特定服务,进而实施细化市场的战略,已成为各商行发展的趋势,本文试从制度经济学的角度,阐释了商业银行是如何通过实施细化市场战略从而实现了其交易成本的节约。从微观层面诠释了商业银行实施市场细化战略的重要性。 At present, the development of commercial banks, the strategy of carrying out specific services for specific customer needs, and further refining the market have become the trend of development of commercial banks. This paper attempts to explain how commercial banks, through the practice of market refinement, The strategy thus saves on its transaction costs. From the micro level, it explains the importance of commercial banks to implement the strategy of market refinement.