与其他商业银行相比,农村合作金融机构不同程度地存在营销弱化的缺陷,随着城乡经济的发展和农村金融改革的深入,“营销短板”已日益成为制约农村合作金融可持续发展的瓶颈因素。可喜的是,一些农村合作金融机构奋起直追,学习和借鉴先进银行的经验,开始了“以市场为导向,以客户为中心”的营销实践,探出了一条细分市场客户、分层信贷营销的农村合作金融机构商业化经营新路。 Compared with other commercial banks, rural cooperative financial institutions have some defects in marketing weakening. With the development of urban and rural economy and the deepening of financial reform in rural areas, “short-selling marketing” has increasingly become the key factor restricting the sustainable development of rural cooperative finance Bottleneck factor The good news is that some rural cooperative financial institutions to catch up, learn and learn from the experience of advanced banks, began a “market-oriented, customer-centric ” marketing practice, out of a market segment customers, points Commercial credit management of rural cooperative financial institutions new road to business.