随着市场竞争的加剧,商业银行的市场营销观念已经从“以资金为中心”向“以客户为中心”转变,维护和拓展客户资源、建立“个性化”的客户关系管理体系,已成为商业银行竞争制胜的一大法宝随着市场竞争的加剧,商业银行的市场营销观念已经从“以资金为中心”向“以客户为中心”转变。维护和扩展客户资源,建立“个性化”的客户关系管理体系,已成为商业银行竞争制胜的一大法宝。笔者结合国内外客户关系管理现状,提出农村金融机掏加强客户关系管理的建议。国外银行的客户关系管理现状近年来,在世界范围内,随着对客户关系管理理念认同程度的提高和行业产品系统 With the intensification of market competition, the concept of marketing of commercial banks has transformed, maintained and expanded customer resources and established “personalized” customer relationships from “capital-oriented” to “customer-focused” Management system has become a magic weapon for commercial banks to win. With the intensification of market competition, the marketing concepts of commercial banks have shifted from “capital-oriented” to “customer-centered.” Maintaining and expanding customer resources, the establishment of “personalized ” customer relationship management system, has become the commercial banks win the game a magic weapon. Based on the current situation of customer relationship management at home and abroad, the author puts forward suggestions on how to strengthen customer relationship management in rural financial institutions. In recent years, with the increasing recognition of the concept of customer relationship management and the development of industry product system