The high quality service is depends on the design and management, but the service design is sophisticated than product design because intangibility, inseparability, variability, perishability.

高品质的服务要靠设计和管理，但服务的无形性、不可分割性、易变性和易逝性都说明服务设计比产品设计更为复杂。

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One way of overcoming the inseparability factor is the use of bank credit cards, whereby the service is transferable .

克服这种不可分性的方法是使用银行信用卡，它使银行服务的分销具有灵活性。

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