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近年来,随着以客户为中心这一经营理念的普及,我国不少银行已开始实行客户经理制,通过聘用客户经理来从事银行产品推介和优质客户的培育等工作,取得了较好的效果。实践证明,建立客户经理制是银行市场营销的一项系统工程。市场营销是通过市场交换满足顾客现实或潜在需要的综合性经营销售活动。把这个概念引伸到银行业,便称为银行市场营销,它是指银行适应营销环境的变化,在满足客户需求的前提下,综合运用各种营销手段,把金融产品引到经过选择的客户,完成交换,以实现自身
In recent years, with the popularization of this customer-centric business philosophy, many banks in our country have begun to implement the client manager system and have achieved good results by hiring account managers to engage in promotion of banking products and cultivation of quality customers . Practice has proved that the establishment of customer manager system is a banking system marketing project. Marketing is a comprehensive management sales activity that meets the real or potential needs of customers through market exchange. This concept is extended to the banking industry, is called bank marketing, which refers to the bank to adapt to changes in marketing environment, to meet customer needs under the premise of the integrated use of various marketing tools, the introduction of financial products to select customers, Complete the exchange in order to realize itself