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1.
姜明辉  于宁  曹兴中 《预测》2009,28(5):77-80
本文在美国客户满意度指数模型(ACSI模型)的基础上,引入客户生命周期这一新变量进行改进,得到修正的ACSI模型及其测评指标。通过设计调查问卷并选择某商业银行信用卡客户进行调查,在数据处理和参数估计的基础上,选择LISREL法对修正的ACSI模型进行求解,其结果表明客户生命周期的引入对模型整体拟合的改进是有效的,客户满意对客户忠诚具有强烈的正向影响。  相似文献   

2.
商业银行个人理财服务部门的竞争已经转变为以客户为中心.本文根据客户满意度理论,结合我国商业银行个人理财服务的特点设计一个全新的评价指标体系.本文采用层次分析法和模糊综合评价相结合的方法进行分析研究,用实证分析证明评价模型的有效性.  相似文献   

3.
京津冀地区的两市一省中,河北省金融实力较弱,在传统银行业的竞争中不具有优势地位,需要发展地方性商业银行来凸显其优势特色。本文对河北省地方性商业银行(包括城商行与农商行)的发展进行SWOT分析,从优势、劣势、机遇和威胁4方面分析了河北省地方性商业银行所处的内外部环境,并提出相应的竞争战略。  相似文献   

4.
基于CCSI客户满意度模型,综合运用头脑风暴法、层次分析法、里克特量表等方法和工具建立了科学仪器共享平台客户满意度调查体系。所建的最终体系由三层级21个指标构成,评价指标涵盖了平台提供服务的全部内容。依据该体系设计问卷并对问卷进行了信度和效度分析,分析结果:各指标的信度系数均在0.7以上,载荷因子均在0.5以上,说明该客户满意度调查体系能够获得较为真实的客户满意度信息,基于该体系的调查结果指导实验室科学仪器共享服务进行了改进具有可行性。  相似文献   

5.
移动广告联盟客户满意度对联盟的竞争力具有重大影响,是联盟取得竞争优势的基础。结合满意度测评模型分析影响移动广告联盟客户满意度的因素,确定其指标体系,通过问卷调查,检验其指标的合理性,最后运用层次分析法确定指标权重,从而为移动广告联盟客户满意度的评价提供依据。  相似文献   

6.
戴军  俞健 《科技广场》2011,(10):120-123
近年来,商业银行在客户市场方面的竞争越来越激烈,特别是VIP客户的争夺已成为各商业银行市场竞争的主流。深入探究VIP客户营销策略,对于商业银行的发展以及维护和稳定银行与客户之间的关系至关重要。因此,本文采用SWOT法和关系营销理论对我国商业银行VIP客户营销的现状进行分析,通过对商业银行在VIP客户营销方面所具有的优、劣势以及所面对的机遇与挑战进行分析,进而提出相应策略。  相似文献   

7.
商业银行在现代金融体系中起到了决定性作用。在我国商业银行的主要贷款客户是上市公司。一旦这些上市公司发生信用违约风险,无法偿还商业银行的贷款,就会给商业银行带来极大地风险。基于此,介绍商业银行用来管理其客户信用风险的模型KMV模型。根据KMV模型的理论原理进行实证分析。以41家上市的ST公司和对应的41家非ST公司为样本,从商业银行的角度,运用KMV模型对样本公司的违约距离进行测算。通过实证分析认为,认为KMV模型是当下最适合我国商业银行信用风险管理的模型。  相似文献   

8.
邹雅丽 《情报杂志》2003,22(10):49-51
主要从商业银行所面临的内外部环境出发说明商业银行开发和利用客户信息资源的必要性。同时通过考察分析商业银行客户信息资源的特点、商业银行开发利用客户信息资源的原则、途径和方法等多方面因素来综合论述当前商业银行应该如何合理地开发和利用客户信息资源。  相似文献   

9.
《科学生活》2011,(6):47-47
黄金积存又称黄金定投,最早起源于日本二战后,是指商业银行客户在商业银行开立黄金积存账户,按商业银行标的黄金产品的固定重量或固定金额进行积存,银行根据客户的申请每月自动在其账户上扣除相应款项。此外,客户也可以采取主动投资的方式在某个时间点进行一次性申购。对于积存账户内的黄金余额,客户可以选择赎回获得货币资金或按商业银行相应黄金产品的实有规格提取黄金实物。  相似文献   

10.
随着中国加入WTO和管理理念的更新,绵阳市商业银行面临着很多挑战,其中包括如何提高客户满意度、客户忠诚度和客户贡献度。另一方面,信息技术和网络技术的发展和推广,使得B/S结构成为企业与客户交流互动的一个强有力的工具。构建基于B/S结构的绵阳市商业银行CRM系统,可以从技术角度实现CRM所倡导的“以客户为中心”理念,提升客户的满意度,开拓绵阳市商业银行的业务,达到银行和客户及时了解和提升银行竞争力的目的。  相似文献   

11.
Aresearch group led by Prof. ZHAI Qiwei from the Institute for Nutritional Sciences under the CAS Shanghai Institutes for Biological Sciences has discovered that even relatively low doses of resveratrol--a chemical found in the skins of red grapes and in red wine--can improve the sensitivity of mice to the hormone insulin, according to a report in the October,2007 issue of Cell Metabolism. As insulin resistance is often characterized as the most critical factor contributing to the development of Type 2 diabetes, the findings“provide a potential new therapeutic approach for preventing or treating” both conditions, the researchers said.  相似文献   

12.
CAS should stick to the principle of rendering service to, and giving impetus for, the development of China's science enterprise by making S&T innovations, said CAS President LU Yongxiang. The CAS president made the remarks in a recent talk to communicate the gist of the winter session of the Party's Leading-member Group at CAS, which was held from 7 to 11 January in Beijing.  相似文献   

13.
With great care, Dr. ZHOU Zhonghe takes out a package wrapped by cotton tissue from a drawer and says: "This is the gem of our collections: the fossil of a bird that lived 125 million years ago!" Then, pointing at a tiny mound, he explains: "Look, this is the claw and that is the head. It was in the egg shell and ready to hatch ... The species fell into a family of waterside inhabitants."  相似文献   

14.
This study examined how students who had no prior experience with videoconferencing would react to the use of videoconferencing as an instructional medium. Students enrolled in seven different courses completed a questionnaire at the beginning of the semester and again at the end of the semester. Students at the origination and remote sites did not differ in their reactions toward videoconferencing but there was a significant difference for gender. Women reacted less favorably to videoconferencing. Compared to the beginning of the semester, students reported significantly less positive attitudes toward taking a course through videoconferencing at the end of the semester. There were no significant differences in students' attitudes toward videoconferencing across courses at the beginning of the semester but there were significant differences across the courses at the end of the semester. The results suggest the need for better preparation for both students and instructors.  相似文献   

15.
Active biological molecules and functional structures can be fabricated into a bio-mimetic system by using molecular assembly method. Such materials can be used for the drug delivery, disease diagnosis and therapy, and new nanodevice construction.  相似文献   

16.
Ajoint study by Prof. ZHANG Zhibin from the CAS Institute of Zoology and his co-workers from Norway, US and Swiss have indicated that historical outbreaks of migratory locusts in China were associated with cold spells, suggesting that China's projected climate warming could decrease the pest's numbers. The study was published in Proceedings of theNational Academy of Sciences on 17 September, 2007.  相似文献   

17.
A computer-mediated group is a complex entity whose members exchange many types of information via multiple means of communication in pursuit of goals specific to their environment. Over time, they coordinate technical features of media with locally enacted use to achieve a viable working arrangement. To explore this complex interaction, a case study is presented of the social networks of interactions and media use among members of a class of computer-supported distance learners. Results show how group structures associated with project teams dominated who communicated with whom, about what, and via which media over the term, and how media came to occupy their own communication niches: Webboard for diffuse class-wide communication; Internet Relay Chat more to named others but still for general communication across the class; and e-mail primarily for intrateam communication. Face-to-face interaction, occurring only during a short on-campus session, appears to have had a catalytic effect on social and emotional exchanges. Results suggest the need to structure exchanges to balance class-wide sharing of ideas with subgroup interactions that facilitate project completion, and to provide media that support these two modes of interaction.  相似文献   

18.
Electronic data interchange (EDI) provides means for interorganizational communication, creates network externalities, requires an advanced information technology (IT) infrastructure, and relies on standards. In the diffusion of such innovations, institutional involvement is imperative. Such institutions contain governmental agencies, national and global standardization organizations, local government, and nonprofit private organizations like industry associations. The last type of organizations we call intermediating institutions. They intermediate or coordinate ("inscribe") the activities of a group of would-be adopters. Unfortunately, little is known of how these organizations shape the EDI diffusion trajectory. In this article we examine one specific type of intermediating organizations?industry associations?and how they advanced the EDI diffusion process in the grocery sectors of Hong Kong, Denmark and Finland. We identify six institutional measures, placed into a matrix formed by the mode of involvement (influence vs. regulation) and the type of diffusion force (supply push vs. demand pull), that can be mobilized to further the EDI diffusion. Industry associations were found to be active users of all these measures to varying degrees. Their role was critical especially in knowledge building, knowledge deployment, and standard setting. Furthermore, institutional involvement varied due to policy and cultural contingencies and power dependencies.  相似文献   

19.
This essay focuses on universal service and the Internet as means to support social and political participation. The emphasis on access to telecommunications systems in conventional approaches to universal service is contrasted with access to content. A model of the information environment is described that accounts for the roles of content and conduit, both of which are necessary conditions to achieve true access. A method is outlined for employing information indicators to observe or measure the information environment.  相似文献   

20.
The increasing prospects of digital piracy has prompted the perceived need by electronic publishers to adopt technical systems of protection, and governments to reform their copyright laws. This article is a preliminary study of the management of intellectual property by electronic publishers, defined as those involved in the production of online databases, and CD-ROMs. It focuses on three main issues: (1) how electronic publishers view the increasing threat of piracy; (2) the methods of protection employed to protect intellectual property in digital format; and (3) the importance of technological protection of intellectual property in electronic publications. The analysis is based on a sample of 23 UK electronic publishers. The interviews revealed an interesting assortment of protection methods and did not show that technological protection was a preferred way. Instead, the means of protection, in addition to copyright law, comprised niche markets, pricing, trust, bad publicity, and nontechnical and technical means.  相似文献   

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