| 商业银行个人理财业务的市场细分实践 |
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| 引用本文： | 王宏伟.商业银行个人理财业务的市场细分实践[J].洛阳师范学院学报,2005,24(4):112-115. |
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| 作者姓名： | 王宏伟 |
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| 作者单位： | 中州大学,旅游与经贸学院,河南,郑州,450044 |
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| 摘 要： | 现代市场营销的核心是目标营销,而目标营销成功的基础是科学的市场细分。我国商业银行个人理财业务营销实践中存在着市场细分不到位,差异化优势不突出等问题。结合现代市场营销理论,增加市场细分变量,突出各商业银行个人理财业务的差异化和个性化优势,重视客户终身价值的培养,是促进商业银行个人理财业务发展的有效对策。
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| 关 键 词： | 商业银行 个人理财 市场细分 |
| 文章编号： | 1009-4970（2005）04-0002-04 |
| 收稿时间： | 2005-04-11 |
| 修稿时间： | 2005年4月11日 |
The Practice of Market Subdivision of Personal Financial Management in Commercial Banks |
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| WANG Hong-wei.The Practice of Market Subdivision of Personal Financial Management in Commercial Banks[J].Journal of Luoyang Teachers College,2005,24(4):112-115. |
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| Authors: | WANG Hong-wei |
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| Abstract: | The core of modern marketing is target marketing, and the successful target marketing is scientific market segmentation. Personal financial management business has become the competitive focus among the commercial banks. According to the current banking situation, the shortage of market segmentation and the absence of diversity superiorities in the practice in the personal financial management business, the paper aims at effective ways of improving personal financial management: adding the market segmentation variable, stressing the diversity and personality superiorities in the personal financial management business, and attaching importance to developing the lifelong value of customers. |
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| Keywords: | commercial bank personal financial management the market subdivision |
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