CAJ | 학술논문

商业银行个人客户经理制起源于20世纪80年代的美国,通过专业人员对客户的专门服务,取得客户的信任、支持和协作,以达到企业价值的最大化。当前,各家商业银行倡导以＂市场为导向、以客户为中心＂的经营理念,也纷纷组建了自己专职的个人客户经理队伍,向有价值的客户提供差别化服务。本文重点介绍了个人客户经理制的核心内容,分析了当前各家商业银行在实施个人客户经理中普遍存在的问题,提出了要通过个人客户经理平衡积分卡来解决个人客户经理的考核,并就考核中应当关注的问题做了简要阐述。
상업은행개인객호경리제기원우20세기80년대적미국,통과전업인원대객호적전문복무,취득객호적신임、지지화협작,이체도기업개치적최대화。당전,각가상업은행창도이＂시장위도향、이객호위중심＂적경영이념,야분분조건료자기전직적개인객호경리대오,향유개치적객호제공차별화복무。본문중점개소료개인객호경리제적핵심내용,분석료당전각가상업은행재실시개인객호경리중보편존재적문제,제출료요통과개인객호경리평형적분잡래해결개인객호경리적고핵,병취고핵중응당관주적문제주료간요천술。
Commercial bank individual customer manager system originated in the 1980s in United States.It obtains the customer trust,support and cooperation through the professional personal service to the client in order to achieve the maximization of the enterprise value.Currently,all the China commercial banks have advocated a full-time individual customer manager team with differentiation service to valuable customers.Their faith are ＂Take the market as the guidance,take the customer as the center.＂ This article introduces the core content of the individual customer manager system,analyzes the problems in the implementation of the individual customer manager and advises the banks to take the balanced score card to solve the assessment system of the individual customer manager.