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1、外文翻译原文FeasibilityandRestrictionFactorsAnalysisofPersonalFinancialServices’DevelopmentConductedbytheCityCommercialBankMaterialSource:www.seiofbluemountain.comAuthor:LiBinCitycommercialbanks’ownreasons(1)AdequateattentionhasnotbeengiventoPersonalfinancialservices,th
2、emarketorientationisfuzzy.Althoughthecitycommercialbankhasdetermineditsmarketorientationas"servingthelocaleconomy,thesmallandmedium-sizedenterpriseandtheurbanresident"sinceitsexistence,butwiththelimitsofexistingsystem,conceptsandpolicies,quiteanumberofcitycommerci
3、albanksdidnotreflectitsrealoperatingcharacteristicsinlinewiththismarketorientationintheiroperation.Itsmarketorientationisfuzzy,itpaidinsufficientattentiontointermediateservicesincludingpersonalfinanceservicesandislackoftheurgencyandinitiativeforservices’conducting
4、.(2)Hasnotreallyestablishedacustomer-focusedserviceconceptandlackofmarketsegmentation.Atpresent,mostcitycommercialbanksarestilloperatingwiththetraditionalconceptof"banking-center"or"product-center",focusingonbusinessesandneglectingthecustomer’sneedsandvalue.Itsmar
5、ketsegmentationonthepersonalfinancialservicesisnotgood,divisionsofhigh,mediumandlowendcustomersareunclear,customerstructureisirrational,andcustomermanagementismorechaos.Sotheyhaven’tgotalong-term,stable,maturecustomerbase,andtherefore,thetargetedanddifferentiatedp
6、roductsandservicesarescarce.(3)Productsareofunitaryvarietyandmarketingisinadequate.Duetothemoresupportfromthelocalgovernment,thecitycommercialbanklivesincloverforalongtime.Thisleditsrangeofproductsmainlyconcentratedindepositsandloans,productsareofunitaryvarietyand
7、lackoffeaturesformostcitycommercialbanks;Beenslavedtothelowerlevelofscienceandtechnologyandthequalityofpersonnel,thecitycommercialbankhasn’taclearproductpositioningand5developmentstrategy,theabilityofproductinnovationisinfirmness.Coupledwiththeinadequatefinancialm
8、arketandcustomersegmentation,thebankcouldnotlaunchtargeted,effectivemarketing,themarketcompetitivenessisnotsostrong.(4)Lackoftechnologyandpersonnelsuppo
