目前还停留在较低的战术层次上,银行营销手段零散,缺乏系统性,更没有真正形成一套完整的制度,并从战略层面对市场营销活动进行全面的整合。如果我国商业银行不能建立起系统的市场战略和营销管理模式,将无法面对国外金融巨头的挑战。 At present, it still stays at a lower tactical level. There are scattered bank marketing methods, lack of systematicness, and there is no real system to form a complete set. And the marketing activities are fully integrated strategically. If China’s commercial banks can not establish a systematic market strategy and marketing management model, will not be able to face the challenges of foreign financial giants.