我国商业银行服务管理与创新分析

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1、ABSTRACTThefinancialindustrycontinuestoundergodramaticchanges．Notonlyaretheboundariesbetweentraditionalindustrysectors，suchascommercialbankingandinvestmentbanking，breakingdownbutcompetitionisbecomingincreasinglyglobalinnatum．Manyforcesarecontributingtothisbreakdownininter-industrya

2、ndinter-countrybarriers，includingfinancialinnovation，technologyandregulation．Financialglobalizationhasbecomingthemostoutstandingfeatureinfinancialindustry．China’SaccessiontoWTOwillbenefittheorganizationbymakingittrulyglobalandbringchallengestodomesticfinancialinstitutionsTomeetthes

3、echallenges·themodemfinancialservicetheoryshouldbelearnedbydomesticbanksfromtheirforeigncounterl：)arts．Currently,allencouragemechanismforprofitincrease，aninternalcontrolsystemforthesafety＆highqualityofasset。anoperationalstructureformarketingandacompleteclientcareserviceideaareiniti

4、allysetupindomesticbankingindustry,Suchkindofoperationmechanismwillhelpdomesticfinancialinstitutionstostrengthentheircompetitionabilityininternationalfinancialmarketandmaketheirmanagementabilfiysatisfiedwiththeinternationalrequirement．However,thereisstillalargegapbetweenthedomestic

5、financialinstitutionsandinternationalfinancialinstitutions01"1theoperationmanagement，especiallytheserviceoperation．Itisbecausethatthedomesticfinancialinstitutionswereundertheprotectionofgovernmentpolicyforalongtime．Theideaofservicemarketingisstillinthestartingstage．Tohavetheservice

6、innovationcouldhelpustOreducegapbetweenthedomesticfinancialinstitutionsandinternationalfinancialinstitutions．Domesticfinancialinstitutionswillbenolongtobeamonopolyindustrywiththeprotectionofgovernmentpolicywhentheyparticipateintothecompetitionininternationalfinancialmanet∞afullyind

7、ependenceindividualandtllinkhowtomeettheclientrequirementfromtheeyesofclientandmaketheirowndevelopmentplanfromtheaspectofserviceindustry,Thechallengewefacedbydomesticfinancialinstitutionisenornlonsandinfullscopewhichalsoprovideabroadprospectsforthedevelopmentofourbankingindustry．To

8、fulfillourlongtermhealthyd