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随着互联网金融的快速发展,利率市场化逐步完善,传统银行业面临越来越多的挑战,存款端出现增长乏力,居民投资意识觉醒,贷款端利率下行的同时坏账率不断上升。为顺应时代的发展,商业银行积极推进全员营销,通过网点转型活动与主办行制度贷款营销方案,改变“坐、等、靠、漠视客户需求”等旧形象,大力改善客户体验,提升经营效益。
With the rapid development of internet finance, interest rate liberalization has been gradually perfected. More and more challenges are facing the traditional banking industry. The growth in the deposit side is sluggish. The residents’ investment awareness is awakening. While the loan interest rate is down, the rate of bad debt is constantly rising. In order to comply with the development of the times, commercial banks actively promoted the full-scale marketing and greatly improved the customer experience by enhancing the customer experience by changing their outlets and hosting the system of loan marketing programs, changing the old image of “sitting, waiting, relying on, and disregarding customer needs” Business Benefits.