【摘要】：根據(jù)我國(guó)在加入世界貿(mào)易組織之初所做的承諾，我國(guó)在入世三年之后做到對(duì)中國(guó)金融市場(chǎng)的逐步開(kāi)放。自從2006年12月1日開(kāi)始，外資銀行可以在我國(guó)的十三個(gè)城市當(dāng)中對(duì)人民幣業(yè)務(wù)經(jīng)營(yíng)，這也顯示出中國(guó)入世完全結(jié)束過(guò)渡期。從這時(shí)候開(kāi)始，我國(guó)也開(kāi)始正式兌現(xiàn)開(kāi)放全部金融行業(yè)的承諾，隨著相應(yīng)取消各項(xiàng)對(duì)中國(guó)金融業(yè)的保護(hù)性措施，這將在對(duì)我國(guó)的金融業(yè)所造成的影響進(jìn)一步凸顯。在發(fā)生深刻變化的營(yíng)銷環(huán)境下，銀行獲得競(jìng)爭(zhēng)優(yōu)勢(shì)的重要工具就是實(shí)施服務(wù)營(yíng)銷。當(dāng)前，我國(guó)商業(yè)銀行己進(jìn)入新的戰(zhàn)略機(jī)遇期。我國(guó)自2001年加入WTO之后，經(jīng)濟(jì)全面開(kāi)放其中也包括金融業(yè)的開(kāi)放，隨著外資銀行的不斷進(jìn)入，我國(guó)的金融企業(yè)面臨前所未有的挑戰(zhàn)與競(jìng)爭(zhēng)。某國(guó)有銀行現(xiàn)有的客戶服務(wù)中心無(wú)論是規(guī)模、組織還是其他各方面在有限的同行業(yè)中都處于領(lǐng)先地位，并且在業(yè)內(nèi)以及消費(fèi)者心目中的口碑也較好，在短短數(shù)十年里AB國(guó)有商業(yè)銀行銀行的客戶服務(wù)中心取得了優(yōu)秀的業(yè)績(jī)。與此同時(shí)，2007年，隨著資本市場(chǎng)的升溫，居民投資理財(cái)熱情逐漸高漲，股票、基金、外匯、黃金等投資理財(cái)工具成為市場(chǎng)的熱點(diǎn)。而AB國(guó)有商業(yè)銀行客戶服務(wù)中心也瞄準(zhǔn)了社會(huì)的發(fā)展契機(jī)適時(shí)的開(kāi)拓了相關(guān)業(yè)務(wù)，包括投資、理財(cái)以及金融產(chǎn)品交易等各項(xiàng)服務(wù)，從基礎(chǔ)上提升了整體客戶服務(wù)中心的功能性以及多元化的服務(wù)理念，幫助AB國(guó)有商業(yè)銀行更進(jìn)一步的提升與客戶之間的交流與溝通，幫助客戶有效解決在實(shí)際應(yīng)用本行產(chǎn)品過(guò)程中的困惑以及障礙，并且進(jìn)一步與客戶建立起了良好的情感交流，提升了整體的銀行與客戶之間的關(guān)系，從根本上提高了本行整體的客戶服務(wù)。本文采用實(shí)證分析、對(duì)比等方法，通過(guò)實(shí)地調(diào)研及行業(yè)交流，在分析總結(jié)數(shù)據(jù)的基礎(chǔ)上進(jìn)行問(wèn)題探究。首先將研究資料分類整理，提出國(guó)內(nèi)外呼叫中心的發(fā)展境況，其次對(duì)AB國(guó)有商業(yè)銀行客戶服務(wù)中心現(xiàn)狀進(jìn)行研究，，再進(jìn)一步分析AB國(guó)有商業(yè)銀行客戶服務(wù)中心發(fā)展中存在的問(wèn)題，并在此基礎(chǔ)上對(duì)客戶服務(wù)中心對(duì)AB國(guó)有商業(yè)銀行經(jīng)營(yíng)發(fā)展促進(jìn)作用做出研究，最后是研究AB國(guó)有商業(yè)銀行客戶服務(wù)中心發(fā)展策略，相信本文對(duì)相關(guān)課題的研究有著一定的借鑒作用。
[Abstract]:According to the promise made at the beginning of China's entry into WTO, China will gradually open its financial market three years after China's entry into WTO. Since December 1, 2006, foreign banks have been able to conduct RMB business in 13 cities in China, which also shows that China's WTO entry period is completely over. Since then, China has also officially fulfilled the promise of opening up all financial industries. With the corresponding cancellation of protective measures for China's financial industry, this will further highlight the impact on China's financial industry. In the changing marketing environment, the important tool for banks to gain competitive advantage is to implement service marketing. At present, China's commercial banks have entered a new strategic opportunity period. Since China joined the WTO in 2001, the economy has been fully open, including the opening of the financial industry. With the continuous entry of foreign banks, our financial enterprises are facing unprecedented challenges and competition. The existing customer service centers of a state-owned bank are in a leading position in a limited number of industries, regardless of their size, organization or other aspects, and have a good reputation in the industry as well as in the minds of consumers. In just a few decades AB state-owned commercial bank customer service center has made excellent performance. At the same time, in 2007, with the heating up of the capital market, the enthusiasm of residents' investment and financial management is rising gradually, and the investment financing tools such as stocks, funds, foreign exchange, gold and so on have become the hot spot of the market. And the customer service center of AB state-owned commercial bank also aims at the development opportunity of the society and develops relevant business timely, including various services such as investment, financial management and financial product transaction, etc. On the basis of the enhancement of the overall customer service center functionality and diversified service concepts, to help AB state-owned commercial banks to further enhance the communication and communication between customers, Help customers to effectively solve the practical application of the Bank's products in the process of confusion and obstacles, and further establish a good emotional exchange with customers, improve the overall relationship between the bank and customers, Fundamentally improve the bank's overall customer service. In this paper, empirical analysis, comparison and other methods, through field research and industry exchanges, on the basis of data analysis and summary of problems. First of all, the research materials are sorted out, and the development situation of call center at home and abroad is put forward. Secondly, the current situation of customer service center of AB state-owned commercial bank is studied. Further analysis of the problems in the development of customer service center of AB state-owned commercial bank, and on the basis of the customer service center to AB state-owned commercial bank management and development to make a study on the role of promoting, Finally, this paper studies the development strategy of customer service center of AB state-owned commercial bank.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F274;F832.33

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