一、认真进行市场调研、及早掌握贷款客户的各种金融需求。商业银行向贷款客户提供全方位的金融服务,首先必须及时了解贷款客户的各种现实和潜在的金融需求,这是商业银行开展贷款营销活动的基础。据悉,国外的商业银行在自己的客户提出贷款要求之前,就早已摸清了客户的信用情况 First, conscientiously carry out market research, early grasp of the various financial needs of loan customers. Commercial banks to provide a full range of financial services to loan customers, we must first understand the realities of the loan customers and potential financial needs, which is the basis for commercial banks to carry out loan marketing activities. It is reported that foreign commercial banks in their own customers before the loan requirements, we have already find out the customer’s credit situation