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小银行之所以必须更加注重营销管理创新,是因为做零售业务,小银行不具备品牌及网点渠道优势;竞争大客户,小银行因资源及能力所限,议价能力不强,也难以满足大客户全方位的需求,因此,瞄准中小企业就成为众多小银行的不二选择。然而,随着利率市场化进程的不断加快、信贷增速趋于放缓、资本约束日益增强,越来越多的大中型银行受高利差吸引而携其强大的管理、研发及信息技术优势纷纷抢占中小企业市场。面对日益严峻
The reason why small banks must pay more attention to the innovation of marketing and management is because they are doing retail business. Small banks do not have the advantages of brands and outlets. Large clients and small banks are not able to satisfy large clients because of their limited resources and capabilities, bargaining power All-round demand, therefore, targeting SMEs has become the choice of many small banks. However, as the marketization of interest rates accelerates, credit growth tends to slow down and capital constraints increasingly increase. More and more large and medium-sized banks are attracted by the high dividend to bring their strong management, research and development and information technology advantages Have to seize the SME market. Faced with increasingly serious