一、引言在利率市场化加速推进、直接融资快速发展、资本监管约束日益强化和金融市场全面开放的背景下,经营环境的变化对国内银行业提出了加快经营战略转型的现实课题。客户结构是银行经营战略的基础,如果客户结构不能调整到位,经营战略转 I. INTRODUCTION Against the backdrop of the accelerated marketization of interest rates, the rapid development of direct financing, the intensification of capital regulatory constraints and the full opening up of financial markets, the changes in the business environment have raised the practical issue of accelerating the transformation of business strategies for the domestic banking industry. Customer structure is the basis of the bank’s business strategy, if the customer structure can not be adjusted in place, business strategy turn