Faced with austere situations of the market, many enterprises are dividing the demand differences between customers and carrying out the subdivision of market.

面对买方市场的严峻形势，许多企业都在区分顾客间的需求差异，开展市场细分工作。

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At present, internal research and practice about subdivision of telecom client market are at the stage of exploration.

目前，国内关于电信大客户市场细分的研究和实践都还处于探索阶段。

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In total, the credit risk quantification management is the current trend, which adapts to the subdivision of the financial market and the need of effective risk management.

总体来看，信贷风险量化管理是一种潮流趋势，是适应金融市场细分和信贷风险有效管理的客观需要。

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