Study On The Client Manager System Of Commercial Bank In China

As the change of the external environment faced by the commercial bank, the concept of"customer orientation"becomes more recognized. The client manager system originated from the western financial market gained more attention by our commercial bank, and put it onto agenda, which were learned and put into practice gradually. The discussion about the client manager system is not very popular in theory which weakens its influence to some extent.Based on this situation, this paper aims to analysis the definition, background, competitive advantage and the successful business case both world and China wide of the client manager system, through which its find the theory foundation and the operation rule. Meanwhile, analysis the current situation and problems existing in the client manager system within our commercial banks from multi-perspective. Based on the following discussion, find the real model suitable for the Chinese client manager system. There are five sections in this paper:Section 1 Preface of this paper, which clarify the aim and meaning of this research, the research method and the creative points. Meanwhile we summary the relative research in this area both domestic and overseas which is the precondition of our following study.Section 2 Summarize of client manager system of the commercial bank. Define it and sum up the major content. Discuss its origination background which is the foundation of the following analysis.Section 3 Analysis the competitive advantage of the client manager system. Base on the discussion of the defect of traditional commercial bank management, highlight the competitive advantage brought by the client manager system which aims to emphasize its theoretical and practical meanings and set a goal for its effect.Section 4 The current situation and the exiting problems of the client manager system. Including the concept, origination and essence, managerial system, resource utilization and distribution, appraisal, incentive system etc which influence the execution of the client manager system.Section 5 The improvement of client manager system in the commercial bank. Implementing the client manager system is a complex systemic project, we bring forward theconcept for the construction and operation of the client manager system in our Chinese commercial banks which goes as follow:First of all, the premise for the effective launch of client manager system is the"Customer Oriented"concept and the good management system is the foundation for the effective operation. The management system includes internal coordination system, information web construction. Meanwhile the human resource development and management is the key points for the effective implementation of client manager system in commercial bank which includes the deployment model, client manager selection, appraisal, performance ranking, training etc.