【摘要】 随着经济全球化 ,金融市场一体化 ,加入世贸组织后的中国商业银行面临激烈的市场竞争。同时 ,由于社会大众投资理财观念的变化以及财富效应也使得金融商品的经营空间不断拓展。因此 ,如何树立市场意识、竞争意识、服务意识 ,大力开展金融商品的开发与创新、推广与营销已显得日益重要更多还原

【Abstract】 With the economic globalization and the integration of financial markets, chinese commercial banks are confronted serious competition as a result of the entry into the WTO. In addition, the change of social investing concept and the forture effect call in for the development of financial products. Therefore, it is very important to foster market concept, service concept, and develop and market relavent financial products.更多还原