一杯清茶NJ
闲散 xiánsǎn(1) [free and at leisure]∶清闲而又无管束(2) [unused;idle]∶闲着不使用的闲散资金反义词繁忙英文翻译1.（空闲而无拘束） free and at leisure; at a loose end2.（闲着不使用的; 没事干的） unused; idle详细解释亦作“闲散”。1.清闲少事。多指官职或衙门。《宋书·孔觊传》：“初， 晋 世散骑常侍选望甚重，与侍中不异，其后任职闲散，用人渐轻。” 唐 元结 《漫酬贾沔州》诗：“天子许安亲，官又得闲散。” 元 马致远 《陈抟高卧》第三折：“先生若肯做官，寡人与先生选一个闲散衙门，除一箇清要的官职。” 清 纳兰性德 《渌水亭杂识》卷二：“自九卿外，三品者多在闲散地，如太常、太仆、光禄卿、京兆尹之类。”(2).引申为无关紧要的或无关紧要之处。 南朝 梁 刘勰 《文心雕龙·事类》：“或微言美事，置於闲散，是缀金翠於足胫，靓粉黛於胸臆也。” 元 杨文奎 《儿女团圆》第三折：“我急慌里着些闲散话儿遮。” 清 陈廷焯 《白雨斋词话》卷二：“ 葛长庚 词，一片热肠，不作闲散语，转见其高。”(3).悠闲自在。 唐 高适 《淇上别刘少府子英》诗：“近来住 淇 上，萧条惟空林。又非耕种时，闲散多自任。” 宋 苏轼 《无题》诗：“誓将闲散好，不著一行书。”《儒林外史》第四回：“我是个闲散惯了的人，不耐烦作这些事！” 沙汀 《防空》：“那老头子一生从没有闲散过，就在暮年，他还是在农会会长的位置上咽气的。”(4).谓消闲散心。《平山冷燕》第七回：“闻知 闵子庙 不远，遂步入庙中来闲散。” 克非 《春潮急》十九：“听 李克 要找她爹，便忙引到屋后的梨园里。老汉在那儿闲散。”(5). 清 代称未授官职的 满 族人。《清会典·八旗都统·户口》：“每户书氏族官爵，无职者曰闲散某，备载其父兄子弟。”《清史稿·世宗纪》：“﹝ 雍正 ﹞三年乙巳春正月癸丑，诏以 固安 官地二百顷为井田，遣八旗闲散受耕。”(6).闲着不使用的(指人员或物资等)。如：各地人事部门广开才路，录用社会上闲散的专业技术人员。如：吸收闲散资金是银行的一项重要工作。
samantha427
4.1.2 Market segmentation, targeting At present the majority of the population based on their personal savings, personal property as a primary means of preserving and increasing, but a matter of fact, residents have not brought about through savings to their income too much. However, there are still more than 60% of China's ordinary people tend to fiscal savings. National Bureau of Statistics in 2007 from the National Economic and Social Development Statistical Bulletin show that: As of December 2007, renminbi savings deposits of urban and rural residents has exceeded the balance of 17.25 trillion yuan, has created an all-time high. As shown in Figure 1.2. People in the hands of a large number of idle funds, but due to a lack of investment management expertise and skills, and can not be achieved through value-added financial management to achieve this purpose. National Bureau of Statistics in 2004 Monitoring Center of China's economic boom to a survey conducted showed that 70% of surveyed residents want financial institutions and professional guidance adviser. A long time, the personal business of domestic commercial banks is only a means of financing, the banks provided to the individual customers of the popular service is non-discriminatory services. As the market competition, domestic commercial banks should be gradually introduced the concept of market segmentation, to establish customer-centric business philosophy. To target customers based on customer needs based on new product development services, there is a difference, the selective marketing of financial products and customer service, according to the customer at various stages, different industries and different risk preferences for the design of personalized financial management plan. Market segments, the implementation of differentiation, at different levels of service require banks to carry out market segmentation on the one hand, to determine the commercial banks to develop target groups, to take the initiative to target customers. On the other hand, we must comprehensively strengthen the customer relationship management, providing customers with comprehensive service. However, in the good market segmentation of customers should be noted at the same time, commercial banks have a strong imitation, and the commercial banks now have to win in product innovation, in the current situation is not a permanent solution, only for temporary benefits. Only when consumers and the market established a good personal finance their own brand image in order to stand out all kinds of banking services and greatly improve their own value-added brands.
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