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A Research On The Customer Manager System In Chinese Commercial Bank

Posted on:2005-09-10Degree:MasterType:Thesis
Country:ChinaCandidate:Y J WeiFull Text:PDF
GTID:2156360122471105Subject:Business management
Abstract/Summary:PDF Full Text Request
Since 1980s, with the economic globalization, the competition among banks has become more intensified and financial innovation has made rapid progress. At the same time, customers' requirement became more variable, and banks began to transform production-oriented to customer-oriented. Under this intensified competition, the customer manager system came into being and began to expand.The customer manager system is a financial innovation of commercialbank's effort to keep their advantages through adapting to the profound change of economic environment, and is the granted result of the financial innovation, which is the base of this paper. To begin with, this paper discusses the development background. Secondly, this paper systematically analyzes the implementation situation of the customer manager system in Chinese commercial banks. And profoundly analyzes the system through the banks' system transformation development and marketization. Then draws a conclusion that the customer manager system is the breakthrough point of reengineering the Chinese commercial banks. Thirdly, during the discussion of the implementation of the customer manager system in Chinese commercial banks, the paper emphasizes the foundation theory, the choice of organization structure model, and the management of the customer managers, especially in the base of customer manager system becoming the main force of making profits, which objectively requires more efficient solution to stimulate the customer managers' enthusiasm and assess their performance. Finally, the paper discusses the elusion of the business risk and the recovery of correlation risk, what's more, deeply analyzes the avoid of regain risk, especially the control of the customer managers' behavior.In order to finish the paper, the author has adopted the theoretical and practical method, looked up a number of references, papers and periodicals, introduced the related theory of marketing, reengineering the bank. At the same time, the paper has absorbed the implementation cases of the foreign commercial banks, reviewed the implementation of Chinese current representative commercial bank, focused on the dynamic development, which supports the paper practically. By this contrast, we can find the disadvantages of Chinese commercial bank in the implementation of the customer manager system and offer advantageous items to advance the innovation. Through the theoretical and practical analysis, the establishment of the method of the customer manager system annually assess can check the practicability of model.The implementation of the customer manager system in Chinese commercial bank is the necessity for Chinese financial system to adapt to the globalization development. In this case, we can know Chinese commercial bank is just in the explorating stage, so we have a long way to go. More work need to be done, such as the deep meaning of the customer manager system, theory system and method require the basis of Chinese practice . To conclude, to absorb foreign successful experiences in the bank's implementation of the customer manager system and to advance the competition ability is of great importance for Chinese commercial banks to adapt to international competition since China entry into WTO.
Keywords/Search Tags:Commercial Bank, Customer Manager System, financial innovation, Reengineering the bank, Performance Assessment
PDF Full Text Request
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