自我国实施城镇居民住房商品化改革,建行为之提供配套住房金融服务以来,个人住房贷款业务一直是建行的优势品牌业务。近年来建行虽然在业务流程,业务品种等方面不断创新;但同其它银行在产品和服务上,日趋同质化,竞争争夺的目标客户也日益趋同;导致议价能力下降,获利能力减弱,银行间无 Since the implementation of the commercialization of urban residential housing in China and the provision of supporting housing finance services by CCB, personal home loan business has always been the dominant brand business of CCB. In recent years, CCB has made continuous innovations in its business processes and business varieties. However, its products and services have become more and more homogeneous with competition from other banks. As a result, its target customers are increasingly converging. As a result, bargaining power and profitability have weakened. Banks, Between no