The practice proves that efficient marketing mode is an important approach for enterprises to expand the market. As special service enterprises, it is essential to explore a distinctive market pattern to improve service quality and enhance competition ability. In recent years, Henan agricultural bank makes innovations to classify clients, package products, and provides layered service, which is effective in practice and provides a new marketing mode for commercial banks.% 实践证明,有效的营销模式是企业开拓市场、走向成功的重要手段。银行作为特殊的服务型企业,探索和寻求一套独具特色的营销模式,对于提升服务质量,增强竞争能力,十分必要。近两年,河南农行大胆创新,提出并实施了以“客户分类、产品分包、服务分层”为核心内容的“三分营销模式”,实践效果明显,走出了一条具有商业银行特色的市场营销新路子。
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