今年金融部门都把强化管理、改进金融服务作为一项重要工作来抓，并相应采取了一些有力措施，使金融服务水平有了明显提高。但据笔者调查，时下一些基层金融机构在抓金融服务中，还存在五种不良倾向： 倾向一：重一线服务，轻二线服务。一些金融机构对一线服务“窗口”的服务工 This year, the financial sector has taken measures to strengthen management and improve financial services as an important task and accordingly adopted some effective measures to make the level of financial services significantly improved. However, according to the author’s investigation, there are still five unhealthy tendencies among some grassroots financial institutions in grasping financial services nowadays: One tendency: to emphasize first-line services and second-tier services. Some financial institutions on the front line service “window” service workers