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在农业银行由国家专业银行向国有商业银行转换的进程中,演绎着一系列根本性的变化,其中最显著的变化之一,就是农业银行由传统的“产品供给者”向市场逐利者演化,基于逐利特性的创值冲动,驱动农业银行不断谋求更大规摸的优质资产。但财富并非俯首即拾,能够承载优质资产的客户资源已成为稀缺资源。这样,信贷营销便应运而生。一、营销现状分析近年来,农总行确立了“以市场为导向,以客户为中心、以效益最大化为目标”的经营理念,信贷营销由此起步。在起步阶段,许多关键性的问题亟待解
In the course of the transformation of ABC from state-owned banks to state-owned commercial banks, ABC interprets a series of fundamental changes. One of the most significant changes is that ABC has pursued profits from the traditional “product suppliers” Evolution, based on profit-driven impulse driven by the characteristics of profit-driven, the Agricultural Bank of Agriculture continue to seek greater quality of assets. However, wealth is not the bottom line. Customers who can carry quality assets have become scarce resources. In this way, credit marketing came into being. First, the analysis of marketing status In recent years, the Agricultural Bank established a “market-oriented, customer-focused, to maximize efficiency as the goal ” business philosophy, credit marketing started. In the initial stage, many key issues need to be solved