摘要：当今世界，随着金融体制的变革和发展，我国金融业成长迅猛，商业银行同业间竞争也愈加激烈，随着经济新常态的发展，我国商业银行经营发展也进入了“新常态”，主要表现为发展速度变慢、各类风险加大、国家对银行业监管加强。此背景下，商业银行应积极顺应经营发展新常态，通过完善客户经理制使商业银行巩固良好的客户关系、实现银行的成功转型、提高银行的经营利润。50476

我国的商业银行客户经理制起步较晚，在我国还没有得到完全深入的发展，还未充分实现其价值创造能力。同时其发展过程中在管理机制、综合素质、绩效考核制度、培训制度等方面仍存在许多问题，需进一步解决。本文致力于从商业银行的客户经理制的产生及发展历程出发，简述客户经理制的含义及相关理论，并通过中国农业银行客户经理制的内容及存在问题作出简要剖析，提出客户经理制的相关完善措施。

毕业论文关键词：商业银行　客户经理制　完善策略

Reflections on improving the customer manager system of commercial banks in China

Abstract: In today's world, with the financial system reform and development, China's financial industry rapid growth, commercial banks interbank competition is becoming increasingly fierce, with the normal economic development, development of China's commercial banks also entered the "new normal", mainly development speed becomes slow, increase the risk of all, countries of banking supervision strengthened. In this context, commercial banks should actively adapt to the new normal business development, through the improvement of the customer manager system to enable commercial banks to consolidate good customer relations, to achieve the successful transformation of the bank, improve the bank's operating profit.

China's commercial bank customer manager system started late in our country has not yet been fully developed, has not fully realized the value of its ability to create. At the same time, there are still many problems in the process of development, such as management mechanism, comprehensive quality, performance appraisal system, training system, etc.. This paper is devoted to starting from the origin and development of the client manager system of commercial bank, description of the customer manager system connotation and the related theory and the content of client manager system in Agricultural Bank of China and the problems existed made brief analysis, put forward customer manager system of the relevant improving measures.

Key words: commercial bank  customer manager system  improvement strategy

 目  录

一、绪论 - 1 -

（一）选题背景及意义 - 1 -

（二）文献综述 - 1 -

二、商业银行客户经理制相关概述 - 2 -

（一）商业银行客户经理制的产生与发展 - 2 -

（二）商业银行客户经理制的内涵 - 4 -

（三）商业银行客户经理制的相关理论 - 4 -

三、中国农业银行客户经理制的内容及优势 - 5 -

（一）农行客户经理制的基本内容 - 5 -

（二）农行客户经理制的优势 - 8 -

四、中国农业银行客户经理制存在的问题 - 9 -

（一）客户经理的运行管理机制混乱 - 9 -

（二）缺乏与客户经理制相配套的复合型高素质人才