What are the reasons and effects of implementing the credit account manager system in Chinese banks?

In order to maximize the bank's own benefits, it has achieved good results and achieved the expected results.

Implementing the account manager system is a complex systematic project, which is a concentrated expression of customer-centered, market-oriented and benefit-oriented, and needs to be understood from the height of "bank reengineering". The process reengineering in bank reengineering includes the centralization and relocation of back-office business system, the establishment of customer-centered business model in front desk, the supplement and integration of e-banking distribution channels to traditional bank outlets and account managers, customer relationship management, intensive management and so on. Compared with other contents of bank reengineering, the customer manager system can better reflect the core concept of banks' pursuit of maximum value and highlight the characteristics of customer value orientation. In addition, it is an export-oriented and open system full of humanistic colors. Therefore, the customer manager system has not only become the main business model for commercial banks to market and expand customers, but also the construction of customer manager team plays an important role in the operation and management of commercial banks.