招商银行: 招商银行成立于1987年4月8日,是我国第一家完全由企业法人持股的股份制商业银行,总行设在深圳。招商银行作为市场后进入者,从开始运作即面临残酷竞争。 20世纪90年代中期,招商银行另辟蹊径,推出集本外币,定活期于一身的电子借记卡“一卡通”代替了携带不便的存折。截止2004年6月,招商银行“一卡通”累计发卡量已超过3000万张,卡均存款余额超过4500元。随着“一卡通”客户拥有量的迅速扩大,招行进一步细分客户群,继2002年10月推出高端 China Merchants Bank: China Merchants Bank was established on April 8, 1987 and is the first joint-stock commercial bank wholly owned by corporate legal person in China. Its head office is based in Shenzhen. As an after-market entrant, China Merchants Bank faces cruel competition from the very beginning. In the mid-1990s, China Merchants Bank opened a new path to launch an electronic debit card “One Card” with both domestic and foreign currency and fixed schedule in place of the passbook with inconvenience. As of June 2004, China Merchants Bank “Card” cumulative issuance has more than 30 million, the balance of cards are more than 4,500 yuan. With the rapid expansion of “One Card” customers, China Merchants Bank further segmented its customer base. Following the launch of its high-end