金融部门提倡金融服务已有多年了。然而服务的内容似乎都在围绕储户做文章，比如现今的储蓄卡、自动取款机以及电话取款、上门办理存款业务、设立委曲奖等等。面对储户，银行可谓仁至义尽，热情感人。但对于贷款户，其服务热情却明显不够。 　　存款户、贷款户都是银行的“衣食 The financial sector has been promoting financial services for years. However, the content of services seems to be all around the depositors to make a fuss, such as today’s savings cards, ATMs and telephone withdrawals, door-to-door deposit business, the establishment of commission awards and so on. The face of depositors, the bank can be said to do justice, warm and touching. But for the loan households, their service enthusiasm is obviously not enough. Depositors, loan households are banks, "food and clothing