Research On The Problems And Countermeasures Of RZ Bank Customer Manager Incentive Mechanism

With the increasingly fierce competition of joint-stock commercial banks in China’s financial market,commercial banks are required to improve their market competitiveness through product and service innovation under the background of innovative economic development.The bank’s marketing team,especially customer flow,plays a more important role in the innovation and development of commercial banks.As the main force in the marketing system of commercial banks,customer managers have greatly promoted the development of commercial banks,Commercial banks require marketing personnel to have high comprehensive quality,especially in today’s era of innovation driven economic development,which requires marketing personnel to have strong innovation ability and understanding ability.Financial institutions such as banks have their own marketing management system,which is divided into three layers.The top layer refers to senior customer managers,the middle layer refers to intermediate customer managers,and the grass-roots level refers to customer managers.With continuous in-depth investigation and detailed research,customer managers have made great contributions to the marketing of banking financial institutions,and are also a class of employees with strong liquidity.The incentive for customer managers has become the key to the management of banking financial institutions.Therefore,in today’s market environment,how to achieve more effective incentives for customer managers,so as to create more benefits for the bank has become a key issue that we need to seriously study.This paper takes RZ Bank,a local commercial bank,as the main body of research,aiming to analyze the existing problems and deficiencies of the current incentive mechanism for account managers in RZ Commercial Bank under the social and economic environment in the new era,so as to develop a scientific,reasonable and efficient account manager and incentive mechanism,so as to keep employees in the best state while motivating them.Build a team with strong innovation ability and marketing ability to enable the operation and development of RZ Bank and make satisfactory performance,so as to bring more economic and social benefits to RZ Bank.In the first chapter,on the basis of analyzing the incentive theory of the banking industry at home and abroad,the author tries to find the theoretical basis of the incentive customer manager incentive in RZ Bank by combining the incentive theory,and analyzes the reasons for the existing problems.The main reasons are:1.The short-term incentive effect is not obvious.2.The account manager is not highly motivated.3.There is no scientific way to promote.4.The incentive system lacks spiritual incentives.The fifth chapter puts forward the corresponding improvement measures through the problems and reasons of RZ Bank’s customer manager incentive,mainly including reforming and optimizing the incentive mechanism,improving the salary performance system,introducing the customer manager equity incentive,setting up multiple career development channels,and improving the staff’s spiritual incentive.And formulate corresponding guarantee mechanism to implement the system.Finally,the research content of this paper is summarized and the prospect is put forward.Based on actual enterprises and relevant research theories,this paper proposes development strategies,which can not only promote the sustainable development of RZ Bank,but also promote the incentive development of customer managers of similar enterprises,and accumulate relevant technical data and development experience.