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1、中文摘写法不对。是文章的中心思想。要中国银行业在国民经济中占有重要地位，是国家的重要经济支柱。中国银行业不仅面临国内竞争，而且随着中国加入WTO后银行业的对外开放，国外银行逐步到中国开设分支机构，逐步经营人民币业务，国际间的竞争也在加剧。这无疑使得我国的银行在现有的竞争压力下，要面对来自国外的更加激烈的竞争环境，对于银行的未来发展提出了更高的要求。要直接切入题目。我国现有农村商业银行实际情况而言，农村银行业金融机构服务中存在年龄老化、人员素质低等多种问题。一些窗口临柜人员服务态度很差，对待客户通常都很冷淡，甚至经常对办理业务的农民大吵大吼，同时大多数员工安于现状、保守求稳的心态导致其经营核算意
2、识不强，业务工作开拓性较差，不能积极主动地去寻找金融创新的切入点，而更多地是应付上级考核检查。所以业务品种创新比较欠缺，难以满足客户的多元化的融资需求。除此之外，整体业务技术含量低、结算手段落后是农村银行业金融服务落后的显著特征，严重制约了农村金融的业务发展速度。由于近几年农村进城务工人员增多，以及国家各种惠农政策的落实，广大农村地区对银行业金融服务特别是支付结算服务的需求越来越大。而农村地区结算方式单一，基层农村社的结算方式主要是电汇、信汇，票据以现金支票结算为主，延缓了资金的支付结算速度。并且在产品的设计上从自身的风险防范和业务流程上考虑较多，对客户的需要和方便考虑少，现有产品针对性不强。
3、对此，本文针对中国银行中国银行与农村商业银行是一回事吗？的发展现状为研究对象，在相关理论知识的基础上，对XX农村商业银行“VIP金融服务”外包管理的现状不用探讨！做进一步的探讨，并通过对发展现状的分析，从中找出现阶段XX农村商业银行“VIP金融服务”外包管理过程中存在的一些问题，比如说，写法不对！对外包风险管理认识不够深刻、内控监测数据的准确性、完整性差、银行人员素质需要提高等等；然后针对XX农村商业银行“VIP金融服务”外包管理问题的存在，找出其存在的原因，最后针对这些存在的问题和原因，试图提出一些相对应的对策建议。通过本文的研究分析认为，XX农村商业银行“VIP金融服务”外包的内容多样，发
4、展前景较好，但仍存在不足。应开拓思路实行银行服务的创新发展策略。丰富并优化金融外包服务产品的品种结构，扩大服务覆盖面，增强投资的时间结构和配置结构的灵活性。要完善营销体制机制，打造专业专注的营销服务团队，创新服务营销路径，树立正确的服务营销理念，加快服务营销工作转型，重视服务营销工作管理，健全完善客户管理体系，改革服务组织，再造服务流程，实施差别化服务，突出特色服务，完善员工激励机制，强化服务质量监控，培育服务营销文化，打造良好的品牌形象。并且在不断完善XX农村商业银行内部治理结构与员工综合素质的基础上，进一步强化与服务供应商之间的关系，建立良好的合作互信、长效的沟通机制，营造良好的合作环境。
5、关键词完善！：农村商业银行；金融服务；金融服务外包；沟通机制；服务质量Abstract最后再写！Chinese Banking industry holds the important status in the national economy, is the national important cornerstone. Not only Chinese Banking industry faced with domestic competition, moreover joins WTO after China banking industrys opening to the outsi
6、de world, the overseas bank arrives Chinese Start Branch office gradually, manages the Renminbi service gradually, the international competition is also intensifying. This causes our countrys bank without doubt under the existing competition pressure, must face comes from the overseas even more keen
7、 competition environment, set a higher request regarding the bank future development.Actual circumstances of rural commercial banks in China, rural banking services in the aging and low quality of personnel problems. Windows Pro cabinets very poor staff service attitude, treating customers are norma
8、lly very cold, even peasants roared to transact business, while most employees complacent and conservative mindset of pursuing stability leading to their awareness of management accounting is not strong, less-business development, does not actively take the initiative to find the entry point for fin
9、ancial innovation, and more to cope with the superior check to check. Business innovation lacks variety to meet the diversified financial needs of customers. In addition, the overall business is low-tech, poor settlement means behind the outstanding characteristics of rural banking services, severel
10、y restricted the operations of rural financial development. As more rural migrant workers in recent years, as well as the implementation of various government policies, banking services in rural areas and in particular increasing demand payment and settlement services. Rural settlement to a single,
11、grass-roots rural social settlement mainly through wire transfer, mail transfer, bills to cash cheques, delaying the disbursement of settlement velocity. And from our own risk in product design and business process to consider more, less necessary and convenient for the customer to consider existing
12、 products targeted is not strong.In view of this, and this for Bank of Chinas development as the object of study in the relevant theoretical knowledge, on the basis of the XX County Rural Commercial Bank VIP financial services outsourced management of the status quo should be further explored and, t
13、hrough the development of the situation analysis to identify at this stage XX County rural commercial bank VIP financial services outsourcing management in the course of a number of issues, for example, outsourced risk management awareness deep enough, the surveillance data of the accuracy, integrit
14、y, and bank personnel quality needs to be improved, and so on; and then for XX County rural commercial bank VIP financial services outsourced management of the problem, find out the reason for the existence of, and for the existence of the problem and the cause, attempt to make some relative to the
15、recommendations for countermeasures.Through the research and analysis that XX County Rural Commercial Bank VIP financial services, outsourcing of varied, and the prospects for development are good, but there are still insufficient. You should explore the idea of banking services innovation and devel
16、opment policies. Rich and optimize the financial outsourcing services product of the variety structure, increase in service coverage, enhanced investment of time structure, and Configuration Structure of flexibility. To refine the marketing structures and mechanisms, create a professional focus on the Marketing Services team, and innovative services marketing path, and a correct service m
