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进入21世纪,我国商业银行的经营环境发生了重大变化,由于非银行金融机构的扩张、经济全球化的趋势、信息技术的迅猛发展和市场准入的门户开放、外资银行纷纷抢滩中国市场等多个因素的共同影响,使得银行业的外部竞争变得异常激烈。更重要的是,消费者金融消费观念和消费行为的转变,使得人们对金融消费越来越理性,越来越成熟,呈现了多元化、层次化、个性化的特点。因此,要在
In the 21st century, the business environment of commercial banks in our country has undergone major changes. Due to the expansion of non-bank financial institutions, the trend of economic globalization, the rapid development of information technology and the opening of market access, foreign banks have successively hit the Chinese market The combined effect of these factors makes the external competition in the banking industry extremely fierce. More importantly, the changing of consumer finance concept and consumer behavior makes people become more and more rational, more sophisticated and more diversified, hierarchical and personalized. So, be there