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所谓商业银行买方市场,是指银行业市场产品丰富,供应充足,客户是在交易中处于市场主动地位的买方即“甲方”、可以任意选择银行机构及其相关产品与服务,而商业银行在业务交易当中处于“乙方”地位、需要积极开拓市场、面临激烈的同业竞争。卖方市场则与之相反。在充分竞争的市场当中,商业银行大量的产品与服务属于买方市场,商业银行的市场营销因此困难重重,甚至令人望而生畏。把握商业银行买方市场与卖方市场的互动,是银行优化市场营销策略的一个关键。
The so-called commercial bank buyer’s market, refers to the banking market product rich, abundant supply, the customer is the buyer in the market in the transaction that is “Party A ”, you can choose the banking institutions and related products and services, and commercial Banks in the business transactions in the “B” status, you need to actively explore the market, facing fierce competition in the same industry. The seller’s market is the opposite. In a fully competitive market, a large number of commercial banks’ products and services belong to the buyer’s market. Therefore, the marketing of commercial banks is so difficult and even daunting. Grasping the interaction between the buyer’s market and the seller’s market of commercial banks is a key to optimizing the marketing strategy of banks.