商业银行客户经理制度优化研究——以建行湖南省分行为例

摘要

客户经理制是商业银行服务理念和业务经营管理机制的创新,是稳定和扩大优质客户群体的有效手段。但现行的客户经理制还存在着制度不尽合理、经营理念需要更新、客户经理整体素质不够高等问题。为促进其发展,商业银行应采取有效措施,尽快规范和完善客户经理制。文章以建设银行湖南省分行为例,分析了商业银行客户经理制度存在的问题,并提出相应的对策。%The Account Manager is the commercial banking system of ideas and innovative business management system,is stable and expanding effective means of high-quality customer base.However,the existing customer system manager system,there are still quite reasonable,and business philosophy needs to be updated,client manager not high enough overall quality.To promote their development,commercial banks should take effective measures to standardize and improve the client manager as soon as possible the system.Taking Construction Bank branch in Hunan Province as an example,client manager of commercial banking system problems,and propose countermeasures.