商业银行之间最根本的竞争是什么?有人说是产品的竞争,也有人说是服务的竞争。其实,商业银行产品和服务本身具有高度的同质性,任何一家银行的任何一种产品和服务都很容易被别的银行所模仿,甚至很快被更新的产品和服务所替代。而企业文化是本企业在特定的发展过程及经营实践中凝结起来的独特的经营理念和价值观念,具有自己的特性和个性,它对外是一面旗帜,对内是一种向心力。因此,如果一家 What is the most fundamental competition between commercial banks? Some people say that product competition, some people say that service competition. In fact, the commercial banks’ products and services themselves are highly homogeneous. Any one bank’s products and services are easily imitated by other banks and can even be replaced by newer products and services soon. The corporate culture is a unique business philosophy and values ​​that the enterprise has condensed in the particular development process and management practice. It has its own characteristics and individuality. It is a banner to the outside and a centripetal effort. So if one