Study On The Issue Of The Contradictions Between Banks And Their Customers From The Viewpoint Of Public Administration

Since the reform and opening up three decades, the rapid development of the national economy, conflict with the bank as the representative of the financial services business with customers increasingly become a hot issue of social concern. Countries for state-owned commercial banks to take care of certain policies(pre-market release of bad debt, interest rates are not fully market-oriented, high barriers to entry), after these companies reap excessive profits, should be basic financial services to provide customers with more policy support such as: to increasing the number of grass-roots network of employees, improve the distribution network laying, reduction in the cost of low-end customers basic services, to enhance the basic quality of service.Dominant reason contradictions between banks and customers generally summarized as charges, service attitude, wait too long and other issues, the main reason is their identity hidden contradiction System Change, the growing demand for financial products and services across channels and banks behind inefficient service contradiction between the market economy in the sense of the increasing demand for business services and state-owned enterprises Bureaucracy, ideological contradiction between market makers and so on. State-owned commercial banks from state organs and institutions gradually transformed into state-owned enterprises, up to now mixed ownership of listed companies, its business objectives, personnel structure and social role in the decades earth-shaking changes have taken place. This dramatic change is essentially customers, employees, the public can not accept a short time. Some scholars in the previous study, the contradiction between the banks and their customers summarized as conflict management customer relationship management business management branch under. Enterprise Management System from trying to analyze and solve related problems of state-owned commercial banks, but the theoretical level a bit thin, and the reality of large deviations, the actual management of the effect is not significant. This paper re-sort Banking, historical heritage, from the institutional change, the changing role of media attention angles, deep-seated contradictions Causes and tries to community banks in this new financial model as a breakthrough, three comprehensive summary of China Construction Bank achievements and shortcomings of network construction, drawing the future direction of the bank, that "dilute earnings targets, focusing on public service" concept,combined with the actual operations of the author's work unit of China Construction Bank, for reflection from the perspective of public management, in order to solve indicate the direction conflicts between banks and customers, with good-looking and a certain practical significance.