As a new sales method, consultative marketing is different from traditional transactional sales in terms of form and content.

Compared with the current situation where business institutions and account managers consciously or unconsciously use consultative marketing, the banking industry still needs to strengthen its systematic research on this sales method.

The fourth stage is the mature stage of the business model. In this stage, consultative marketing has achieved the diversification of marketing channels, institutionalization of marketing models, institutionalization of management models, systematization of risk control systems, channelization of risk control, and cross-product sales. The business model of Wells Fargo Bank in the United States is worth learning from.