紧缩性货币政策下城市商业银行营销策略

Urban commercial bank marketing strategy under tight currency policy

受国内外经济环境共同影响,我国央行将在较长的时间内实行从紧的货币政策,它对城市商业银行的基础货币环境、资金运用、信贷结构以及收入的影响是双重的。城市商业银行应该积极应对,运用差异化营销、关系营销等策略,通过树立品牌效应,积极推进金融产品创新和高级人才培养,消除紧缩性货币政策带来的负面效应。

Affecting by the internal and external economic environment, China’s central bank will be put into tight monetary policy within longer time. It would have good and bad influence on the city commercial bank’s base money environment, the use of funds, credit structure and income. The city commercial bank should utilize the differentiation strategy, relationship marketing strategy, set up the brand effect, carry the financial innovation and high-grade personnel training activity to remove the effect reducing negative part that nature monetary policy brings about.