Also one type of suggestion is aimed at the restriction on financial industry and the lack of individual credit system . while the other type of countermeasures is aimed at the internal reasons . for instance , the adoption of market segment and innovation , the reinforcement of branding strategy and individual financing marketing service , the establishment of perfect system of client manager and individual financing center , the emphasis putting on individual consumption loan and technical methods such as telephone banking system , self - service banking , network bank and banking card 另一类则是针对由于商业银行自身业务开展不完善所出现的问题而提出的相应解决办法，如进行市场细分，加强个人理财业务创新，实行品牌策略、特色化、个性化、人性化的服务策略等理财营销手段;建立完善的客户经理制;建立和完善个人理财中心;大力开展个人消费信贷业务以及加大科技含量，大力开展电话银行、自助银行、网上银行、银行卡业务等，并加强系统性的安全管理。
Get your construction bank card on the belt above all , bankbook , id arrives open an account to fill in all right a piece of registration form that files the bank on enlightened net , you can run bank of li of word of enlightened net electrify , acting capture charge of electricity insults the professional work such as cost , the construction bank opens mobile phone bank should collect fees , do not have so necessary and enlightened 首先得带上你的建行卡，存折，身份证到开户行填写一张申请开通网上银行的登记表，你可以办里开通网上电话银行，代缴电费气费等业务，建行开通手机银行是要收费的，所以没必要开通。
Hong kong , october 12 , 2004 - icbc asia announces a team - up with icbc shenzhen branch in the introduction of a proprietary mortgage service - " mortgage plus " auto - remittance for mainland mortgage payment " , to enable hong kong customers to conveniently manage the payment for their shenzhen property 中国工商银行亚洲宣布与中国工商银行深圳市分行携手推出崭新的按揭通代交内地楼按分期服务，方便港人处理在深圳置业的定期供款，此乃中国工商银行亚洲继上月推出理财漫游"尊"线电话银行服务后另一中港理财增值服务。
The system performs the following basic functions in order to meet the requirements : provide security methods for interbank payments through internet , atm , telephone banking service etc . for customers ; provide mechanisms to enable the secure authentication of parties in the transaction ; provide access to multiple bank payment processing systems with one protocol ; transform a payment request into a bank payment transaction ; provide information for audit and control 该系统的主要功能是为用户提供网上支付、 atm 、电话银行等安全支付方式；在交易中提供对交易双方的安全认证方式；支持多种银行支付处理系统；把支付请求转化为银行内部支付交易；提供审计和控制信息。
