浅析我国中小商业银行服务创新现状及发展对策.docxVIP

浅析我国中小商业银行服务创新现状及发展对策 摘要 现阶段中国经济正处于重要的转型阶段，对于中国各行各业的企业来说，都面临着市 场优胜劣汰的抉择。中小商业银行较之大型银行虽然在规模和经济实力上存在一定差距， 但其以数量及遍布范围为优势，早已成为中国经济组织中必不可少的一种实体组织形式， 它们对经济的提升和发展的增速起着不可忽视的作用。然而因中小型商业银行自身条件的 限制，致使其在激烈的市场竞争中长期处于不利位置。面对这一境况，中小型商业银行唯 有建设积极且全方位的服务意识，改进具体的服务方式及流程，增加市场占有率，才能在 以后的经济市场中立足，保持长久的发展。 关键词：中小商业银行，服务创新，立足市场 Abstract The?transformation?of?Chinas?economy?is?at?an?important?stage?at?present?stage,?for?Chinas enterprises?from?all?walks?of?life,?face?the?market?of?choice.Small?and?medium-sized?commercial?Banks than?large?Banks,?though?there?is?a?certain?gap?on?the?scale?and?economic?strength,?but?its?for?quantity and?throughout?the?range?of?advantages,?has?become?essential?for?an?entity?in?Chinas?economic organization?form,?they?are?for?the?promotion?and?development?of?the?economic?growth?plays?a considerable?role.However,?due?to?the?limitation?of?small?and?medium-sized?commercial?Banks?to?their own?conditions,?leading?to?the?long-term?at?a?disadvantage?in?the?fierce?market?competition.In?the?face of?this?situation,?construction?of?small?and?medium-sized?commercial?Banks?only?positive?and comprehensive?service?consciousness,?improve?service?mode?and?the?specific?process,?increase?the market?share,?ability?in?market?economy?based?on,?achieve?sustainable?development. Keywords:?small?and?medium-sized?commercial?Banks,?service?innovation,?based?on?market 1 目录 摘要................................................................................................................................................... 1 Abstract?............................................................................................................................................. 1 一? 、商业银行服务创新的特征..................................................................................................... 3 二、我国中小商业银行服务创新的现状....................................................................................... 3 （一）我国商业银行服务创新的主要内容.......................................................................