管理创新与技术应用的精妙平衡——从战略角度分析银行客户关系管理

The Ingenious Balance between Management Innovation and Technique Application ——Analyzing the customer relationship management of the bank from strategic views

信息社会的哲学原则是建立在非线性理论基础上的自然组织化原则。它不是按照线性规律强制有序的社会 ,也不是无组织的处于混沌状态的社会 ,而是通过信息网络的作用使每个社会主体在相互协调的环境中经过不断的组织来实现社会的整体优化。在工业时代 ,人们注重产品 ,愿意购买产品。而在网络时代 ,人们越来越重视服务 ,越来越愿意以合理的价格购买服务。银行业作为一种服务业 ,如何在日趋激烈的竞争环境中留住顾客 ,以相对较低的成本建立一套完整的银行客户关系管理体系 ,使银行真正实现一种以“客户为中心”的管理模式 ,成为我国银行业亟待解决的问题。

Systematization principle on non-linear theories is such a philosophy principle in the information society that is neither a strict and orderly nor an inorganic society In the information society each entity continuously modify the structure of organization to maximize the social value by the network In the industry ages, people would like to purchase the product While in the information society people would like to purchase the service at reasonable price How to save the customers under the vehement circumstance?How to set up the complete customer relationship management at low cost?How to make banks realize CRM?Such problems must be paid more attention