随着日趋激烈的国内金融竞争、外资银行的竞争威胁、利率市场化的加速推进和企业“脱媒”现象的加剧,基层行的信贷业务如何面对这些挑战,这是一个摆在每个基层行信贷人员面前亟待解决的现实课题。本文从基层行角度对当前形势下信贷营销路径进行初步探索。 With the increasingly fierce domestic financial competition, the threat of competition from foreign-funded banks, the acceleration of the marketization of interest rates and the aggravation of the phenomenon of “disintermediation,” how the grassroots credit businesses face these challenges is a A grassroots bank credit officers in front of the urgent need to be solved. This article from the perspective of grass-roots level of the current situation of credit marketing preliminary exploration.