客户

Strategic issues in customer relationship management implementation Christopher Bull Department of Business Information Technology, Manchester Metropolitan University Business School, Manchester, UK Keywords Customer relations, Customer information, Integration, United Kingdom Abstract The number of customer relationship management implementations has grown dramatically in recent years.

在客户关系管理实施的战略问题克里斯托弗公牛商业部信息技术，曼彻斯特城市大学商学院，英国曼彻斯特关键词客户关系，客户信息，集成，英国摘要客户关系管理数的实现增长最近几年急剧。

This Agreement shall continue to be in full force and effect until receipt and acceptance by the Dealer from the Client of written notice of its termination or receipt by the Client from the Dealer of any written notice of its termination and at the Dealer's election, the Dealer may liquidate the Client's account as hereinbefore provided or transfer the Client's account to such broker or commission merchant as the Client shall designate.

本协议将维持全面有效，直至交易商接获并接受客户的终止通知书或客户接获交易商的终止通知书时告终；交易商可凭本身决定，按上文规定对客户的账户进行斩仓或将客户的账户转让予客户指定的经记或经纪公司。

Especially when the leading power in the market has changed gradually from bargainers to purchasers, bankers must understand the existing customers" value, search for the object client, dig out potential customers and do customer segmentation, and develop new products to fit customers" needs.

尤其是当市场的主导力量逐渐由卖方转变为买方以后，银行必须了解现有的客户的价值、寻找目标客户、挖掘潜在客户、进行客户细分，开发出适合不同客户不同需求的新产品。

Any of the above actions may be taken without demand for margin or additional margin, without prior notice of sale or purchase or other notice to Trader, Trader's personal representatives, heirs, executors, administrators, trustees, legatees or assigns and regardless of whether the ownership interest shall be solely Trader's or held jointly with others.

采取任何上述行动无须提出交付保证金或增加保证金的要求，也不需要在无论涉及的所有权权益是否只归客户所有还是客户与他人共同拥有的情况下，将客户销售或购买或其他的决定预先通知客户，客户的个人代表，承继人，遗嘱执行者，遗产管理员，委托人，遗产受赠人或转让人。

Any of the above actions may be taken without demand for margin or additional margin, without prior notice of sale or purchase or other notice to Client, Client's personal representatives, heirs, executors, administrators, trustees, legatees or assigns and regardless of whether the ownership interest shall be solely Client's or held jointly with others.

CMS有权采取任何上述行动而无需要求客户支付保证金或额外保证金，也无需将上述出售或购买或其它行动事先通知客户、客户的个人代表、继承人、执行人、管理人、托管人、遗产受赠人或受让人，且无论全部所有者权益是否仅由客户拥有或由客户与其它人共同拥有。

This agreement and its enforcement shall be governed by the Laws of Hong Kong and its provisions shall be continuous; shall cover individually and collectively all accounts which the Client may open or re-open with the Company, and shall ensure to the benefit of, and bind the Company, the Company's successors and assigns, whether by merger, consolidation or otherwise, as well as the heirs, executors, administrators, legatees, successors, personal representatives and assigns of the Client and the Client hereby submits to the exclusive jurisdiction of the courts of Hong Kong.

本协议及其执行须受香港法例规限，其规定持续有效，范围涵盖客户个别或全部在公司开设或重新开设之所有帐户，对公司、其继承人及承让人（不论为合并、综合或其他方面之承让人）、客户之继承人、遗嘱执行人、遗产管理人、遗产继承人、继任人、个人代表及承让人均有效及有约束力，而客户亦须接受香港法院之独有管辖权，如本协议被相关法院或机构认定为无效，客户与公司一致同意：如因本协议无效而形成的客户与公司之间的财产权益纠纷应由公司法定注册地所在法院管辖。

The company has developed various types of electronic products mature programs, function modules, machine plate matching the last hundred species of choice for customers, the company in a professional, dedicated service, adhere to the market demand, customer responsibility, depending on Each customer-partners, as much as possible to provide customers with the latest market information and the best products, services, and customers in order to achieve a win-win situation for the pursuit of goals.

公司现有开发成熟的各类电子产品方案、功能模块、整机板配套近百余种可供客户选择，公司以专业、专注的服务精神，坚持以市场需求为导向，客户要求为己任，视每位客户为合作伙伴，尽可能的为客户提供最新市场资讯和最佳的产品、服务，以争取和客户取得双赢为追求之目标。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

One module is the basis of information which maintain a variety of enterprise customers and state information; customer information maintenance module contains detailed information about customers; information module may have information on customers to check the operation, such as additions and deletions; data management module of the existing customer information and contact print; aids module may call a variety of office tools, etc.; system management module is super-administrator of the system operators and administrators to add and remove permissions, etc.

其中基础信息维护模块是企业客户的各种状态信息；客户信息维护模块包含了客户的详细信息；信息查询模块可对已有客户的信息进行增删改查操作等；数据管理模块可对已有的客户信息进行打印和联系；辅助工具模块可进行各种办公工具的调用等；系统管理模块是超级管理员对本系统操作员和管理员进行添加和删除已经修改权限等。

To client-centered, listened carefully to the views of customers, a deep understanding of customer needs, and strive to enhance customer value-added services, and create greater value, the pursuit of absolute one hundred percent customer satisfaction.

以客户为本，认真听取客户的意见，深刻理解客户的需求，，努力为客户提高增值的服务，创造更大的价值，追求100%客户绝对满意度。

Singer Leona Lewis and former Led Zeppelin guitarist Jimmy Page emerged as the bus transformed into a grass-covered carnival float, and the pair combined for a rendition of "Whole Lotta Love".

歌手leona刘易斯和前率领的飞艇的吉他手吉米页出现巴士转化为基层所涵盖的嘉年华花车，和一双合并为一移交&整个lotta爱&。

This is Kate, and that's Erin.

这是凯特，那个是爱朗。