Research On Team Construction Of Customer Manager Of Y Bank Of Construction Bank

In recent years, the major state-owned commercial banks are facing unprecedented competition. The competition what these banks are facing is mainly from two aspects. First, the number of joint-stock commercial banks of China has increased. In the end of 2013 China had 630 commercial banks(state-owned commercial banks, joint-stock commercial banks, city commercial banks, rural commercial banks), compared with 2012 the number has risen 26.5%. Second many foreign banks come to China for business. China has joined to WTO in 2001, then opening up the financial sector gradually. In the end of 2013, there are 377 bank branches from foreign countries. Compared with 2007, this number has risen 55.8%.The method to let the bank win is to build an outstanding team of relationship managers. In this paper I have studied how to establish relationship manager team for the China Construction Bank Y branch.In the first part, this paper introduced the background of the China Construction Bank Y branch. And this paper introduced why the bank should build the team of relationship managers.The second part is a literature review. In this part, I introduce three theories, the bank reengineering theory, the relationship manager mechanism, the team theory. The first is the theory of reengineering the bank, which is the root of customer manager system arise. Secondly, to produce and develop customer manager system are summarized, Customer Manager is an entry point for recycling bank. Finally, the team was summarized theory, to understand the elements of effective team should have to provide a theoretical basis for later reconstruction team building.In the third part, this paper analyzed the position of China Construction Bank Y branch in X province. In this part we use some HR information and the data of deposit, etcetera.Part IV describes the relationship manager mechanism of the Citibank, the HSBC, and the Sumitomo Mitsui Banking.The final part of the article based on the foregoing analysis, the proposed measures Relationship Manager Team Building: The first thing to improve customer manager system, and secondly to improve customer manager performance evaluation, then the manager should improve customer access and exit mechanisms, and also need to strengthen relationship manager training, and finally should pay attention to the risk management of relationship managers to avoid moral hazard.