为适应入世后银行业竞争需要,近年来,国内各国有商业银行分支行纷纷提升经营层次,加大直接经营力度。这种做法为提高优良客户市场占有率起到了较好的作用,在一定程度上增强了国有银行的核心竞争力。但是,由于多种主、客观原因的影响,市场营销效率低的问题,一直没有得到很好和彻 In order to meet the competition needs of the banking industry after China’s accession to the WTO, in recent years, branches and sub-branches of commercial banks in various countries in the country have stepped up their operating levels one after another and increased their direct management efforts. This approach to improve the market share of excellent customers played a better role, to some extent, enhance the core competitiveness of state-owned banks. However, due to a variety of main and objective reasons, the problem of low marketing efficiency has not been well achieved