软集合在商业银行客户价值评价中的应用

发布时间：2018-01-15 01:35

本文关键词：软集合在商业银行客户价值评价中的应用　出处：《金融论坛》2010年10期 　论文类型：期刊论文

【摘要】：本文以商业银行贷款企业这一类客户为研究对象,将软集合方法应用于客户价值评价,建立商业银行客户价值评价模型。该模型既包含定量指标,又包含定性指标,能较全面地评价客户价值。基于重庆市某商业银行的数据进行的研究证明该模型合理、有效。研究表明:综合价值高的客户,并非所有指标取值均高,部分指标仍有待改善;综合价值居中的客户,银行应给予较多关注,将其变为综合价值较高的客户;综合价值较低的客户,并非所有指标均低,若采取一定措施后,客户价值提升到较高水平,则继续维持客户关系,否则放任其自然发展,甚至可以放弃该类客户。
[Abstract]:In this paper, taking the commercial bank loan enterprise as the research object, the soft set method is applied to the customer value evaluation, and the customer value evaluation model of the commercial bank is established, which includes the quantitative index. The research based on the data of a commercial bank in Chongqing proves that the model is reasonable and effective. The research shows that the customer with high comprehensive value can be evaluated comprehensively. Not all indicators are high, and some of them still need to be improved. The bank should pay more attention to the customers whose comprehensive value is in the middle and turn them into the customers with higher comprehensive value. Customers with lower comprehensive value are not all low. If certain measures are taken to upgrade customer value to a higher level, they will continue to maintain customer relations, otherwise they will be left to their natural development. You can even abandon this type of customer.
【作者单位】：重庆大学经济与工商管理学院信息系;重庆大学经济与工商管理学院;
【分类号】：F832.2;F274;F224
【正文快照】： 对商业银行而言,客户是其拥有的一种有价值的资源,然而并不是所有的客户都能为银行带来收益。准确判断客户价值,是商业银行实施客户关系管理(Customer Relationship Management,CRM)的基础。在金融危机对中国银行业产生的巨大负面影响还未完全消失的情况下,银行的生存环境仍

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