随着银行业走向商业化,银行间的竞争日趋激烈。竞争的焦点集中于对客户的争夺,于是,各种贴有“为客户量身定做”标签的金融产品你方唱罢我登场,期望吸引客户的视线。但这些产品是否真如银行的初衷,适合了企业的胃口。《中国金融家》记者就此专访了中国石化股份有限公司财务副总监、中国石化财务有限公司董事长张秀林。金融产品评点继推出各种金融产品,来增强自身竞争力,您对这些金融产品的总体印象如何? 张秀林:现在银行推出的金融产品名目繁多,但许多金融产品有一定超前性,还停留在概念上,虽然在国外这些金融产品已经非常成熟,但国内的金融现代化改革才刚刚开始,推出的很多金融产品尚处于起步阶段,企业对这些产品的认识也有一个过程。当然,这些都不能否定它们的发展前景。《金融家》:随便能想到的较时髦的 As the banking industry becomes commercialized, the competition among banks is getting fiercer. The focus of competition is on the competition for customers, so you can sing the financial products labeled “tailor-made for the customer”. I hope to attract customers’ attention. However, these products really like the original intention of the bank, suitable for business appetite. In this connection, the “China Financier” reporter interviewed Zhang Xiulin, vice president of finance at Sinopec Corp. and chairman of Sinopec Finance Company Limited. Financial Products Review Following the launch of various financial products to enhance their competitiveness, how do you get an overall impression of these financial products? Zhang Xiu-lin: Banks nowadays have a great variety of financial products, but many financial products are still ahead of the concept Although these financial products have been very mature in foreign countries, the domestic financial modernization reform has just begun. Many financial products launched are still in their infancy and enterprises have a process of understanding these products. Of course, these can not deny their development prospects. “Financier”: Casual to think of more fashionable