增强信贷资金营销观念 ,主动选择和培养客户 ,积极开拓信贷市场 ,扩大贷款营销 ,这是提高商业银行经营水平的重要途径。转变观念 ,增强信贷营销意识　　变坐门等客为上门服务。过去银行信贷人员坐等贷款企业和个人上门“求”贷 ,然后从中筛选出几个客户放贷即可 ,没有深入了解 It is an important way to enhance the management level of commercial banks by enhancing the concept of credit fund marketing, proactively selecting and cultivating customers, actively exploring credit markets and expanding loan marketing. Change ideas, enhance the awareness of credit marketing to change the door-to-door service. In the past, bank credit officers waited for loan-seeking enterprises and individuals to come to their door for loans and then selected a few customers to lend, without in-depth understanding