花旗银行通过与日本大型企业的合作 ,以低于市场利率 0 1 %～0 2 %的条件向企业员工提供优惠住宅融资 ,积极开拓住宅贷款市场 ,确立了该行扩大零售业务的新经营战略方针。与日本都市商业银行相比 ,外资银行大都存在营业人员和店铺不足的缺陷 ,如何发挥自身优势与日本银行竞争 Citibank, through its cooperation with large Japanese companies, offered preferential housing financing to employees at an under-market interest rate of 0.1% ~ 0.2%, actively opened up a residential loan market and established its new business strategy of expanding retail business . Compared with the Japanese city commercial banks, most foreign banks have the defects of lack of salespersons and shops, and how to play their own advantages to compete with the Japanese banks