中国邮政储蓄银行(以下简称邮储银行)从2008年开始经营个人贷款业务,经过三年的运行,业务已取得长足发展。但是,由于各地经济环境和市场需求差异较大,在部分区域的运行实践中,出现了产品设计与市场环境契合度不足、产品定价缺乏竞争力、业务拓展方向偏离市场定位等问题,制约了其信贷业务的有效拓展。本文以邮储银行甘肃张掖地区分支 China Postal Savings Bank (hereinafter referred to as Postal Savings Bank) started its personal loan business in 2008 and after three years of operation, its business has made great strides. However, due to the great difference between the economic environment and market demand in various places, problems in the operation of some regions such as the lack of fit between product design and market environment, the lack of competitiveness of product pricing and the deviation of market orientation from business expansion have restricted their Effective expansion of credit business. This article to the postal savings bank branch in Zhangye, Gansu