（一）加入WTO后，随着外资银行的不断进入，我国金融业的竞争将呈现出更加激烈的局面。目前，国内金融业务的发展态势是各金融机构正在改变原来传统的服务方式，主动适应市场变化的需要，积极抢占竞争的制高点。“差别服务”便是适应市场竞争的一种新的金融服务方式。美国花旗 (1) With the continuous entry of foreign-funded banks after the accession to WTO, the competition in China’s financial industry will show a more fierce situation. At present, the development trend of the domestic financial business is that all financial institutions are changing their traditional service methods, actively adapting themselves to the needs of market changes and actively seizing the commanding height of competition. “Differentiated Services” is a new form of financial services that is adapted to market competition. American Citibank