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商业银行个人理财产品营销策略研究

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研究旨在深入探讨商业银行个人理财产品的营销策略,以应对日益激烈的市场竞争和客户需求的多样化.通过深入分析当前市场环境和客户需求,结合商业银行的实际业务情况,提出了一系列具有针对性和可操作性的营销策略.对商业银行个人理财产品的市场现状进行了全面梳理,发现市场竞争激烈,客户需求呈现多元化和个性化趋势.针对商业银行在营销策略上的不足,提出了多元化营销渠道的策略.通过整合线上线下资源,利用社交媒体、移动应用等新兴渠道,拓宽营销渠道,提高产品曝光率和市场覆盖率.通过提升品牌形象和增强客户黏性,实现长期的客户关系维护和业务拓展.文章可为商业银行个人理财产品的营销策略提供一定的参考和借鉴,有助于商业银行在激烈的市场竞争中保持竞争优势,实现可持续发展.
Research on Marketing Strategy of Personal Finance Products in Commercial Banks
This study aims to explore the marketing strategies of personal finance products in commercial banks in order to cope with the increasingly fierce market competition and diversified customer needs.Through in-depth analysis of the current market environment,customer demands,and the actual business situation of commercial banks,a series of targeted and operable marketing strategies are put forward.The market status of personal finance products in commercial banks is comprehensively sorted out.It is found that the market competition is fierce,and the customer demand is diversified and personalized.Aiming at the deficiency of commercial bank's marketing strategy,this paper puts forward the strategy of diversified marketing channels.By integrating online and offline resources and using emerging channels such as social media and mobile applications,it can broaden marketing channels and improve product exposure and market coverage.It can achieve long-term customer relationship maintenance and business development by enhancing brand image and customer retention.The paper provides a certain reference for the marketing strategy of personal finance products in commercial banks,and it helps commercial banks maintain competitive advantages in the fierce market competition and achieve sustainable development.

commercial bankspersonal financeproduct marketing

吴威

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湖北工业大学,湖北 武汉 430000

商业银行 个人理财 产品营销

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(34)