我国商业银行客户经理制再造研究

【作者】 王华玉；

【导师】 王苹；

【作者基本信息】 首都经济贸易大学 ， 金融学， 2004， 硕士

【摘要】 本文的研究目的是：通过对客户经理制的理论基础、含义、核心理念、功能等几个方面的分析，结合国外(境外)商业银行实施客户经理制的发展状况和成功经验，指出推行客户经理制是我国商业银行改变经营模式、不断创新和发展的一个重要方向。并通过对我国商业银行实施客户经理制的现状进行分析，总结我国商业银行推行客户经理制过程中存在的若干问题及其原因。在此基础上，提出我国商业银行再造客户经理制的若干策略建议，从而为我国商业银行实施客户经理制再造提供理论上的支持。 除引言外，全文共分五章：第一章阐述了客户经理制的基本理论，分析了客户经理制产生的理论基础，明确了客户经理制的有关核心理念、功能定位等基本内容；第二章介绍了国外(境外)商业银行实施客户经理制的成功经验；第三章根据客户经理制的实质和我国商业银行推行客户经理制的现状，总结了我国商业银行实施客户经理制过程中存在的若干问题；第四章为本文的核心，在这一章中，本文探索性的构造了我国商业银行再造客户经理制的框架体系，并为我国商业银行再造客户经理制提出了一系列对策；第五章阐述了我国商业银行客户经理制再造过程中隐含的一些风险，并有针对性地提出了相应的防范措施；最后为本文的结论，总括了本文的若干研究内容，指出客户经理制再造是一项系统工程，需要各方面协调配合，共同完成。更多还原

【Abstract】 The purpose of the paper research is to point out that Account Manager System is an important orientation in our commercial bank’s management modes changes, innovation and development, via analyzing signification, core philosophy and functions of Account Manager System, based on the tone of commercial banks abroad which are practicing Account Manager System. The paper summarizes problems in the implementation of our Account Manager System practicing by way of analysis of current status of Account Manager System in national commercial banks. Base on all of these, hypostasis of Account Manager System is carefully researched, suggestions on reengineering Account Manager System are raised, which provide support both in theory and practice for our country’ s reengineering Account Manager System.Other than the introduction, there are five chapters in this paper. The first chapter states the basic theory of Account Manager System, reciting theory foundation and specifying Account Manager System’ s core philosophy and functions. The second chapter introduces successful experience of commercial banks abroad, which carries out this system. The third chapter summarizes problems in the implementation of the Account Manager System practicing by way of analysis of current status of Account Manager System in national commercial banks. The forth chapter is the core of this paper, in which the frame of our country’s re-regulating Account Manager System is exploringly constructed and a series of suggestions, tactics are tabled for this system. The fifth chapter expounds risks under cover in the re-creating process and forwards corresponding preventive measures. The last part is the conclusion of this paper, which sums up research contents, indicating that reengineering of Account Manger System is a systematic project, requiring cooperation from all kinds of parties so that it could be co-founded.更多还原