农村合作银行客户经理管理平台建设及实现
发布时间：2019-04-19 06:47
【摘要】：随着我国金融市场的逐步开放,我国银行业改革的不断深入,客户经理制成为提高竞争力的有效途径。实施客户经理制将从根本上改变原有的经营方式,建立起以市场为导向、以客户为中心的经营方式。而利用信息化技术,来实现银行对客户经理的管理,并辅助客户经理对客户关系进行维护和发展,也逐渐成为客户经理制研究的热点。 本文首先分析了客户经理制的推行对农村合作银行的重大意义,并指出了当前农村合作银行客户经理管理存在的问题,针对这些问题,结合现行的考核管理制度,基于客户经理绩效考核业务模型,设计了农村合作银行客户经理管理系统总体结构,把系统设计为四层：通讯层、控制层、业务逻辑层和数据操作层,并划分了系统的各个功能模块。 然后,对系统的各个功能模块进行了详细设计,并且利用面向对象的程序设计技术,采用SQL Server2005作为后台数据库,完成了客户经理管理系统的主要模块,实现了包括客户经理信息和客户经理数据信息的修改、删除、查询、计算和打印功能,并对其功能进行了测试。与同类信息系统相比,该系统以选取KPI(关键绩效指标)指标集的方式,银行可以根据自身实际,从集合中选取合适的KPI指标,并录入相应的计算方法或公式,来进行定量考核管理,同时还可以自行设定定性考核的相关项和内容,以生成定性考核报表。这样不仅更能反映客户经理绩效的实际情况,在指标选取方面还具有高度的灵活性,更能贴近不同银行的各自实际。有助于建立高素质的客户经理队伍,规范客户经理的经营行为,并提高客户经理的考核管理工作水平。 最后,对系统进行了详细的测试,结果表明该系统具有较高的实用性和安全性,能够满足农村合作银行客户经理管理需求。应用该系统,能够实现银行客户经理队伍激励与约束机制,对所有客户经理业绩进行客观、公平、公正地评价,合理地进行价值分配,有效促进银行业务发展,使银行有效利润最大化。
[Abstract]:With the gradual opening up of the financial market and the deepening of the banking reform in China, the customer manager system has become an effective way to improve the competitiveness. The implementation of customer manager system will fundamentally change the original mode of operation, establish a market-oriented, customer-centered business mode. Using the information technology to realize the bank management of the customer manager, and to assist the customer manager to maintain and develop the customer relationship, has gradually become a hot spot in the research of the customer manager system. This paper first analyzes the significance of the implementation of the customer manager system to the rural cooperative banks, and points out the problems existing in the customer manager management of the rural cooperative banks at present, aiming at these problems, combining with the current assessment and management system, Based on the performance appraisal business model of the customer manager, this paper designs the overall structure of the account manager management system of the rural cooperative bank, and designs the system into four layers: communication layer, control layer, business logic layer and data operation layer. And divide each function module of the system. Then, each function module of the system is designed in detail, and the main module of the customer manager management system is completed by using object-oriented programming technology and SQL Server2005 as the background database. The modification, deletion, query, calculation and printing of account manager information and account manager data information are realized, and their functions are tested. Compared with the similar information system, the system selects the KPI (key performance indicators) indicator set, banks can select the appropriate KPI index from the set according to their own reality, and input the corresponding calculation method or formula. At the same time, we can set the relevant items and contents of the qualitative assessment to generate the qualitative assessment report. This not only reflects the actual situation of customer manager performance, but also has a high degree of flexibility in the selection of indicators, more close to the actual situation of different banks. It is helpful to establish high-quality customer manager team, standardize the management behavior of account manager, and improve the assessment management level of account manager. Finally, the system is tested in detail, and the results show that the system has high practicability and security, and can meet the needs of customer manager management in rural cooperative banks. The application of this system can realize the incentive and restraint mechanism of bank account manager team, objectively, fairly and impartially evaluate all account managers' performance, carry out reasonable value distribution, and effectively promote the development of bank business. Maximize the bank's effective profits.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TP311.52
本文编号：2460694
[Abstract]:With the gradual opening up of the financial market and the deepening of the banking reform in China, the customer manager system has become an effective way to improve the competitiveness. The implementation of customer manager system will fundamentally change the original mode of operation, establish a market-oriented, customer-centered business mode. Using the information technology to realize the bank management of the customer manager, and to assist the customer manager to maintain and develop the customer relationship, has gradually become a hot spot in the research of the customer manager system. This paper first analyzes the significance of the implementation of the customer manager system to the rural cooperative banks, and points out the problems existing in the customer manager management of the rural cooperative banks at present, aiming at these problems, combining with the current assessment and management system, Based on the performance appraisal business model of the customer manager, this paper designs the overall structure of the account manager management system of the rural cooperative bank, and designs the system into four layers: communication layer, control layer, business logic layer and data operation layer. And divide each function module of the system. Then, each function module of the system is designed in detail, and the main module of the customer manager management system is completed by using object-oriented programming technology and SQL Server2005 as the background database. The modification, deletion, query, calculation and printing of account manager information and account manager data information are realized, and their functions are tested. Compared with the similar information system, the system selects the KPI (key performance indicators) indicator set, banks can select the appropriate KPI index from the set according to their own reality, and input the corresponding calculation method or formula. At the same time, we can set the relevant items and contents of the qualitative assessment to generate the qualitative assessment report. This not only reflects the actual situation of customer manager performance, but also has a high degree of flexibility in the selection of indicators, more close to the actual situation of different banks. It is helpful to establish high-quality customer manager team, standardize the management behavior of account manager, and improve the assessment management level of account manager. Finally, the system is tested in detail, and the results show that the system has high practicability and security, and can meet the needs of customer manager management in rural cooperative banks. The application of this system can realize the incentive and restraint mechanism of bank account manager team, objectively, fairly and impartially evaluate all account managers' performance, carry out reasonable value distribution, and effectively promote the development of bank business. Maximize the bank's effective profits.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TP311.52
【参考文献】
相关期刊论文 前4条
1 许宏;;平衡计分卡应用浅析[J];北方经济;2010年04期
2 聂长浪;;银行客户经理绩效考核管理系统设计[J];电脑与电信;2010年06期
3 胡朝举;;商业银行市场营销体制依赖及理论模型——基于不同体制条件下的我国商业银行市场营销研究[J];技术经济与管理研究;2011年09期
4 李忠民;张若为;;后危机时代背景下我国商业银行客户经理制研究[J];西安财经学院学报;2011年01期
，本文编号：2460694
本文链接：https://www.wllwen.com/guanlilunwen/kehuguanxiguanli/2460694.html
