浅谈商业银行个人客户经理（Personal account manager of commercial bank）.docVIP

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浅谈商业银行个人客户经理（Personal account manager of commercial bank）.doc

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浅谈商业银行个人客户经理（Personal account manager of commercial bank） Personal account manager of commercial bank risk management In order to adapt to the fierce competition in the domestic financial market, Chinas commercial banks began to introduce the customer manager system in the late 90s. The customer manager system of the commercial banks in our country, the implementation time is not long, generally exist in the present commercial bank individual customer manager system in some of the more prominent risk problem, need to increase customer risk prevention manager. First, the commercial bank customer manager system in the implementation of the risk 1, moral hazard. The commercial bank customer manager represents the foreign banks and their customers to business marketing and maintenance, because commercial banks long-term good credit and image, which represents commercial bank account manager in dealing with customers, make customers trust of the customer manager, so in between the customer manager and the customer to establish a firm friendship the relationship or interest. If a customer managers professional ethics is out of order and the bank fails to find it in time, there will be a greater risk. 2, quality risk. The customer manager is the direct marketing staff of the bank business, so their personal quality, such as policy level, business level, analysis and judgment ability, determine the level of certain bank business risks. For example, if the personal financial manager, financial products investment scope, risk probability, restrictive clauses etc. are not familiar with, will sell the product is not suitable for the crowd, may cause irreparable loss to the customer and the bank itself. 3, image risk. Because the account manager represents the bank for business marketing and customer retention, he is the image of a commercial bank externally. If the customer manager has power, neglect the customer, vulgar words and deeds etc. during the communication with the cl