The Research Of Agricultural Development Bank Of China Practicing The Customer Manager System And Operating Customer Relationship Management

Agricultural Development Bank of China (ADBC),founded in 1994,is a national bank for Agricultural policy .It's organizational structure takes on the type of tree under the administration system .It has been operated without both competition and marketing for several years .ADBC run the credit system to make clear the idea of customer-oriented. Under the pressure of decrease of the transaction activities from government, ADBC do more constantly to expand business scale, accelerate innovation activities, and improve service quality. Customer has become crucial resources in bank business. After the entrance of WTO, banking encounters more drastic competition. Operating CRM is of great urgency. Practicing the system of customer-manager (SCM) which heart is CRM is necessary.The essence of the SCM, which is an innovation in service idea and system, is customer-oriented, market-oriented for external, and manager-oriented for internal .CRM of banding is an overall integral management combining banks and customer relationships. CRM can tie existing customers, create new customers, and enhance customer loyalty and contribute more for benefits.In this article, the author analyses the international and domestic situation, an abuse of the conventional organization structure of ADBC, and the advantages of the practice of SCM and CRM, and argue for the necessity of practicing SCM and CRM. On purpose to economize resources, to enhance quality of loans, to strengthen competitive forces, to push ahead innovations, and to bring about sustainable development, ADBC must deliver on the idea of customer-oriented, try to carry out parallel organizational structure ,and lay special emphasis on the management activities about process ,customer status ,customer satisfactions and customer costs.In this article, the author elaborate on the customer manager's chief obligations, ideas, and principle of assess, in order to supple references for the policies of the SCM. And then, the author analyses the conditions of practicing CRM and the framework for CRM, decomposes the primary problems of the SCM confronted, and...