商业银行客户经理制度建设探讨

An Exploration in Establishing Customer Manager System of Commercial Banks

商业银行客户经理制度有助于实现商业银行客户资源配置优良化、推进金融服务商品化、增强银行自身竞争力,已经成为商业银行业务发展不可或缺的经营模式。当前国内商业银行客户经理制度建设面临着客户经理队伍素质偏低、管理机构设置不合理、考核激励机制欠科学、培养教育机制不健全等问题,借鉴国际同业的经验,本文从调整组织管理模式、优化人员选聘机制、创新能力素质评价模式、健全激励约束机制、构筑安全管理机制、强化教育培训机制六个方面提出进一步完善商业银行客户经理制度的建议及策略。

Customer manager system of commercial banks can contribute to optimizing customer resource allocation, pushing forward financial service commercialization and strengthening the competitiveness of commercial banks, so it has become an indispensable operating pattern to the business development of commercial banks. Currently, domestic commercial banks face a series of prublems in establishing customer manager system, such as low quality of customer manager team, irrational setting of management departments, unscientific incentive mechanism and unsound training mechanism. Drawing reference from international peers, the paper puts forward the following strategies to further improve customer manager system： adjusting organization management pattern, optimizing human resource selection mechanism, innovating evaluation model on capability and quality, improving incentive and restraint mechanism, building a security management mechanism and strengthening training mechanism.