摘要
随着我国加入WTO和金融市场的进一步开放 ,银行业必然面临着来自外资银行的激烈竞争。对我国银行业而言 ,外资银行在资金、技术、经营管理和金融创新等诸多方面都存在明显优势 ,尤其在客户关系管理 (CRM)方面已有丰富经验。而到目前为止 ,我国银行业在实施CRM尚处于起步阶段 ,时不我待 ,我国银行业必须迅速转变经营观念 ,加快客户关系管理的建设 ,以提高自身的竞争力。
With our country's WTO entry and the opening of the financial markets,banking industry will be sure to be faced with drastic competition from foreign banks.Foreign banks have apparent competitive advantages over native banks in such aspects as capital,technology,operation,management and financial innovations.Especially,they have abundant experiene in CRM.Up till now,native banks are in their first step n their inplementing CRM.To establish competitive advantage,native banks must change their operation idea and reinforce the construction of CRM.
出处
《华东经济管理》
2002年第5期91-94,共4页
East China Economic Management
关键词
客户关系管理
银行业
新经济
数据挖掘
中间业务
优质客户
中国
customer relationship management
new economy
data mining
primary customer
intermediate business
