近年来,在银行同业竞争日趋白热化的背景下,作为邮储银行商业化转型的核心举措之一,交叉销售正在被越来越多的基层分行付诸经营实践当中。交叉销售对于商业银行发展的推动作用是显而易见的:它不仅可以充分挖掘客户的金融服务需求,提高客户对银行服务的满意度,节约客户开发成本,提升银行的综合收益以及零售业务各板块间的协作能力。更为重要的是,这种商业化 In recent years, under the background of increasingly intense horizontal competition in banks, as one of the core measures for the commercialization transformation of Postal Savings Banks, cross-selling is being put into practice by more and more grass-roots branches. The role of cross-selling in promoting the development of commercial banks is obvious: not only can it fully tap customer demand for financial services, improve customer satisfaction with bank services, save customers’ development costs, and enhance the bank’s overall revenue, as well as the various segments of the retail business Collaboration. More importantly, this kind of commercialization