Incentive Mechanism Desigen In Commercial Bank Based On The Objective Of Customer Loyalty

As the institution of providing financial service, commercial bank needs a stady customer stream to get high profit. So the customer loyalty management is important, and in order to achieve the objective, incentives become what we must consider. This paper forcus on the incentives mechanism design on the objective of customer loyalty value maximization, and our main research object is the incentives to accout managers, whose positivity and effort are pivotal to win the competition about loyal customers. In the following text, we introduce this paper's main work.Firstly, the paper puts forward that commercial banks should make customer loyalty value maximization as the main object, and then integrated with the fact in our country, we build the classical model about the customer loyalty incentives. We discuss the efficiency of several incentive approaches.Secondly, the paper puts the gray income into the model to explain for the discrepancy of the theorical result and the realistic fact.Thirdly, in order to resolve the problem of the distorted incentive structure, we build the Monitoring-Rent-deflating model and the exchange model of reputation income under monitoring in the situation of asymmetric information. Which discuss the relation between the optimal monitoring signal and the rent-deflating, and research into the rent-deflating reaction when we consider the career concern.Finally, as for some idiographic problems, we have some extend researches. Which include the model in the insituation of considering the account managers flexibility, meanwhile, the infllunce of the degree of informational asymmetry to the account managers utility.