南昌银行客户经理制的问题与对策研究

发布时间：2018-04-08 08:10

本文选题：南昌银行　切入点：客户关系管理　出处：《南昌大学》2014年硕士论文

【摘要】：在经济全球化的今天，伴随金融管制的逐步放松，商业银行之间的竞争已经白热化，传统的以产品为中心的经营理念逐步转向以客户为中心，客户资源成为了商业银行在激烈的竞争中取得优势的关键性因素。国内商业银行纷纷转变经营理念，开始尝试推行客户经理制。深入研究国内商业银行客户经理制的现状和发展，不仅有助于为国内银行业进一步深化改革提供思考的方向；同时也能帮助国内商业银行进一步完善客户经理制，解决现实操作中存在的问题，从而进一步提高金融服务能力，提升自身的竞争力。因此，研究这一问题具有一定的理论价值和实践意义。本文在结构上共分6章。第1章为导论；第2章为商业银行客户经理制概述；第3章为南昌银行客户经理制度现状的调查与分析；第4章为国内外先进商业银行客户经理制的经验与启示；第5章为南昌银行客户经理制的优化措施；第6章为结论与展望。本文文中主要从客户经理的职责划分、综合素质水平、考核激励办法、培训机制、监督管理机制以及资源的使用和分配等角度对南昌银行客户经理制实施中存在的一系列问题进行了剖析，并针对上述问题，提出了完善南昌银行客户经理制的建议。本文认为要进一步完善客户经理制，必须深化对客户经理制的认识，彻底改变管理理念，细分客户经理的工作职责，提供配套的信息和技术保障，，加强队伍建设，提高综合素质，同时应建立科学的考核激励机制和高效的检查监控机制，从而实现客户经理制的可持续发展。
[Abstract]:In today's economic globalization, with the gradual relaxation of financial regulation, the competition among commercial banks has become more intense, and the traditional product-centered business philosophy has gradually shifted to customer-centered.Customer resources have become the key factor for commercial banks to gain advantages in the fierce competition.Domestic commercial banks have changed their business philosophy and began to try to implement the customer manager system.The in-depth study of the current situation and development of the customer manager system in domestic commercial banks is not only helpful to provide the direction of thinking for further deepening the reform of the domestic banking sector, but also helps the domestic commercial banks to further improve the account manager system.Solve the existing problems in practical operation, and further improve the ability of financial services, enhance their own competitiveness.Therefore, the study of this issue has certain theoretical value and practical significance.This paper is divided into 6 chapters in structure.The first chapter is the introduction, the second chapter is the overview of the customer manager system in commercial banks, the third chapter is the investigation and analysis of the current situation of the account manager system in Nanchang Bank, the fourth chapter is the experience and inspiration of the advanced commercial bank customer manager system at home and abroad.The fifth chapter is the optimization measures of Nanchang Bank's account manager system, and the sixth chapter is the conclusion and prospect.This article mainly from the customer manager's responsibility division, the comprehensive quality level, the examination incentive method, the training mechanism,This paper analyzes a series of problems existing in the implementation of the customer manager system in Nanchang Bank from the perspective of supervision and management mechanism and the use and distribution of resources, and puts forward some suggestions for perfecting the account manager system in Nanchang Bank.This paper holds that in order to further improve the customer manager system, we must deepen the understanding of the customer manager system, thoroughly change the management concept, subdivide the responsibility of the customer manager, provide supporting information and technical support, and strengthen the construction of the team.In order to realize the sustainable development of the customer manager system, it is necessary to establish a scientific examination and incentive mechanism and an efficient inspection and control mechanism to improve the comprehensive quality.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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