银行VS客户:和谐呼唤利益均衡机制

发布时间：2018-03-22 05:05

本文选题：利益均衡机制　切入点：商业银行　出处：《中国金融》2007年19期 　论文类型：期刊论文

【摘要】：正尽管很多银行网点还在排队,但关乎于此的激烈讨论,毕竟已慢慢沉寂下来。银行的窗口服务没有满足客户的要求,问题尽管看起来并不复杂,但潜藏在银行、客户关系内里的深层次矛盾则需我们继续关注。其一,我国银行体系在引入比较充分的竞争机制后,卖方市场转向买方市场,银行对客户的依赖增加,不得不重视客户的需求,这是银行机构能够接受客户意见并加以改进的主要原因;其二,在市场经济条件下,大众金融意识、理财意识和权利意识逐步增强,与银行等金融机构的关系越来越密切,在一定程度上逐步形成利益共同体,并在有条件选择服务机构的情况下,开始对银行提出更高的服务要求;其三,银行从防范风险和增加盈利角度出发,某些经营管理措施很可能与客户利益发生冲突。
[Abstract]:Even though many bank outlets are still lining up, the heated discussion about it has gradually quieted down. The bank's window service does not meet the needs of its customers, and the problem, though not complex, is hidden in the bank. The deep-seated contradictions in customer relations need our continued attention. First, after the introduction of a relatively adequate competitive mechanism, the seller's market shifts to the buyer's market in our banking system, and the banks' dependence on customers increases, and they have to attach importance to the needs of customers. This is the main reason why banking institutions can accept customer opinions and make improvements; second, under the market economy, the public's financial awareness, financial management awareness and awareness of rights have gradually increased, and they have become more and more closely related to financial institutions such as banks. To a certain extent, they have gradually formed a community of interests, and under the condition of selecting service organizations, they have begun to put forward higher service requirements to banks. Third, banks start from the angle of preventing risks and increasing profits. Some management measures are likely to conflict with the interests of the customer.
【作者单位】：
【分类号】：F832.2

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