商业银行大客户管理之我见

商业银行大客户管理是指银行通过持续地为大客户量身订做产品和服务,满足大客户的特定需求,从而培养出一批忠诚大客户的一种管理方法.大客户管理的成功很大程度上取决于大客户对银行的依赖程度和银行对大客户所提供的产品、服务及优惠幅度.商业银行只有对市场进行准确细分、把握业务拓展的重点,才能以较小成本收到最大效益,以较少成本吸引到更多更有价值的大客户.     

物流公司大客户营销策略探讨

大客户是物流企业销售额和利润的决定性因素[1],对大客户营销的作用将会越来越重要,甚至会直接影响物流企业的生存和发展.因此,对于大客户的营销,不同于一般客户,应该在定价策略、服务营销策略和关系营销策略等方面制定出一套个性化的方案,量体裁衣,以达到维护大客户的长期关系和开拓建立新的大客户关系之目的,为物流企业的可持续发展打下坚实的基础.     

市场营销中怎样做好对大客户的管理

市场营销是企业发展的秘诀,是企业利润的直接来源,要想做好企业的市场营销首先要处理的就是客户利益关系,做好对客户的管理。大客户是企业进行营销的重点对象,对于企业的发展具有至关重要的战略意义。实现对大客户的有效管理,为其提供一流服务是企业发展的立足点。本文主要针对市场营销中的大客户管理分析企业发展的创新之道。     

浅谈电力公司营销对大客户服务与安全管理

目前随着经济的快速发展,人民与企业的用电需求也是越来越高。文章主要结合当前电力企业营销对大客户开展供电服务管理工作的一些情况分析,对当前阶段的大客户供电服务和管理中存在的问题与产生的原因进行分析,对有效的提升电力企业大客户服务和管理水平提高有重要的意义。     

浅谈在全面开放的电力市场中用户用电管理及其策略

介绍市场经济下电力市场结构的变化,明确电力企业面临的销售挑战和竞争压力,研究开放市场中用户管理的诸多方面,包括用户电力需求管理,要了解用户的消费行为和用电方式,进行供电的需求侧管理,收集客户信息信息进行客户信用管理,降低信用风险造成的经营损失,建立大客户管理档案制定科学营销策略,加强大客户个性化服务,提升大客户市场价值,建设统一的用户管理系统,将自身的业务进行全面整合,提升客户服务质量等。     

湖南唐人神长沙分公司大客户营销策略研究

文章以湖南唐人神长沙分公司大客户管理为例进行分析,通过论述唐人神公司内、外部环境以及行业竞争状况SWOT分析,针对大客户营销过程中存在的的问题,提出有针对性的大客户营销策略。     

山东农行大客户营销的现状、问题及对策分析

山东农行大客户业务近年来保持快速发展,但在营销过程中出现客户资源禀赋不同下的业务结构化差异,主体业务发展逐年提升但同比增速明显放缓,大客户集团管理的集权化趋势增强,导致经营行营销积极性受挫的现状。本文在充分分析营销现状的基础上,利用SWOT分析模型对山东农行大客户的区域竞争环境进行了分析,并对未来大客户的营销提出了一些对策及建议。     

关于电力大客户负荷管理方法的讨论

电力大客户负荷管理的目的之一就是要努力减少电力大客户在电网峰荷时段的电力需求.虽然通过经济、技术或行政等需求侧管理手段能有针对性的调整大客户的用电负荷,也可以降低负荷的峰谷差,改变负荷曲线,实现有效平稳用电负荷、改善电网运行情况的目的.     

关于电力大客户业扩服务探析

电力大客户业扩是供电企业扩大再生产、不断满足国民经济各部门和人民生活用电需求的一项重要工作。同时由于大客户业扩是供电公司的窗口,是供电公司和大客户接触的界面,因此大客户业扩的质量和效率直接影响着供电公司为客户服务的质量和形象。     

战略大客户效用分析及其管理

在当前产品和服务差异越来越小、市场竞争越来越激烈的环境下，几乎所有的企业都在不遗余力地争取新客户。留住老客户。企业越来越强烈地感受到客户资源的重要价值。谁拥有客户就意味着拥有市场，企业之间竞争的实质是一场客户争夺战。文章主要对战略大客户的效用进行分析。进而探索加强战略大客户管理的有效途径。     

Beyond Normal Failures: Dynamic Management of Software Projects

The skillset focusing on the life cycle of projects is critical to both understanding and practising sound management. In practice, attention is often paid to the actions and procedures required to build the system to the detriment of the tasks that are essential in managing the project. Discrete attempts to create such systems often lead to a mismatch between system, expectation and a changing reality. This paper looks beyond discrete processes as part of an effort to generate a dynamic model. The rationale for a Dynamic Feedback Model stems from the need to focus on a continuous and long-term perspective of development and growth in change-intensive environments. The paper makes the case for a learning and knowledge-driven view of software development and presents such a model in a way that accounts for the long-term survival, growth and evolution of software-intensive systems-- crucial areas in terms of the success of systems. While the emphasis is on the development of software, which is pervasive in most systems, the key issues appear to pertain to most technical development projects and environments.     

Strengthening Social Security

Social Security's core protections must be maintained, according to this author. He believes that by creating universal savings accounts and investing a small portion of the Social Security trust fund in equities, it is possible to secure the long-term future of Social Security without subjecting workers to the risks of individual, private accounts.     

Social Security Benefit Uncertainty under Individual Accounts

Social Security reforms that include individual accounts change both the expected benefit and the benefit risk. This article uses a long-term stochastic forecasting model to estimate the distribution of expected benefits under a simple individual account, recognizing uncertainties in the current system. Introducing individual accounts increases the overall variability of benefit levels relative to current law; indeed the standard deviations of expected benefit gains exceed the level of those gains. The increase in uncertainty about benefit replacement rates is even larger, however, because individual accounts partially sever the link between earnings and benefits in the existing system. (JEL H55)     

A NEW ARCHITECTURE FOR THE U.S. NATIONAL ACCOUNTS

The key elements of a new architecture for the U.S. national accounts have been developed in a prototype system constructed by Dale W. Jorgenson and J. Steven Landefeld, Director of the Bureau of Economic Analysis, U.S. Department of Commerce. The focus of the U.S. national accounts is shifting from economic stabilization policy toward enhancing the economy's growth potential. A second motivation for the new architecture is to integrate the different components of the decentralized U.S. statistical system and make them consistent.     

Sustainability of current accounts: evidence from the quantile unit-root test

Regarding the stationarity of current accounts, previous studies used panel unit-root tests to improve the power of augmented Dickey–Fuller (ADF) test. This paper applies a quantile autoregression (QAR) approach to improve ADF test in the presence of outliers, and found that first, the stationarity was present in a QAR framework, rather than ADF test. Second, current accounts exhibited symmetric (e.g. Taiwan) and asymmetric patterns, which showed that positive shocks in larger quantiles induce current accounts to adjust towards a long-term equilibrium for Korea, Thailand, the Philippines and Singapore. Japan exhibited an asymmetric pattern in response to negative shocks in smaller quantiles.     

INTEGRATED ENVIRONMENTAL AND ECONOMIC ACCOUNTING: FRAMEWORK FOR A SNA SATELLITE SYSTEM

National accounts have provided the most widely used indicators for the assessment of economic performance, trends of economic growth and of the economic counterpart of social welfare. However, two major drawbacks of national accounting have raised doubts about the usefulness of national accounts data for the measurement of long-term sustainable economic growth and socio-economic development. These drawbacks are the neglect of (a) scarcities of natural resources which threaten the sustained productivity of the economy and (b) the degradation of environmental quality from pollution and its effects on human health and welfare. In the present paper, the authors attempt to reflect environmental concerns in an accounting framework which maintains as far as possible SNA concepts and principles. To this end, the accounting framework is used to develop a "SNA Satellite System for Integrated Environmental and Economic Accounting" (SEEA). Environmental costs of economic activities, natural asset accounts and expenditures for environmental protection and enhancement, are presented in flow accounts and balance sheets in a consistent manner, i.e. maintaining the accounting identities of SNA. Such accounting permits the definition and compilation of modified indicators of income and expenditure, product, capital and value added, allowing for the depletion of natural resources, the degradation of environmental quality and social response to these effects. A desk study of a selected country is used to clarify the proposed approaches, to demonstrate their application in future country studies and to illustrate the quantitative effects of the use of modified concepts on the results of analysis.     

Towards a consistent approach for ecosystem accounting

In spite of an increasing interest in environmental economic accounting, there is still very limited experience with the integration of ecosystem services and ecosystem capital in national accounts. This paper identifies four key methodological challenges in developing ecosystem accounts: the definition of ecosystem services in the context of accounting, their allocation to institutional sectors; the treatment of degradation and rehabilitation, and valuing ecosystem services consistent with SNA principles. We analyze the different perspectives taken on these challenges and present a number of proposals to deal with the challenges in developing ecosystem accounts. These proposals comprise several novel aspects, including (i) presenting an accounting approach that recognizes that most ecosystems are strongly influenced by people and that ecosystem services depend on natural processes as well as human ecosystem management; and, (ii) recording ecosystem services as either contributions of a private land owner or as generated by a sector ’Ecosystems’ depending on the type of ecosystem service. We also present a consistent approach for recording degradation, and for applying monetary valuation approaches in the context of accounting.     

Accounting for the decline in homeownership among the young

This paper documents that the drop in young homeownership is more persistent among non-college graduates compared to college graduates: while some college graduates postpone home purchasing, non-college graduates are likely to remain long-term renters. I develop a model showing that the combination of rising college share and a widening education-driven income gap accounts for the delayed purchasing of college graduates and the lack of purchasing among non-college graduates. Exploiting cross-city variation, I verify the implications of the model and show that the mechanism can quantitatively account for the diverging ownership decisions between the two education groups from 1980 to 2019.     

THE USE OF FLOW-OF-FUNDS ACCOUNTS IN MONETARY PLANNING IN YUGOSLAVIA

The increased role of monetary and other financial variables has required the introduction of a quantitative framework for monetary policy planning. This has been found in a planning procedure based on flow-of-funds accounts. The very comprehensive structure of these accounts is relied upon to provide to policy makers with quantitative indications as to policy goals and measures for their implementation, and at the same time, to ensure a consistent incorporation of monetary planning in general economic planning.
There are annual and monthly plans. Annual planning involves two stages. The first is projection of flow-of-funds accounts on the basis of appropriate relationships, historical trends, institutional changes, economic policy targets, etc. The final result of this stage of planning is a projection of the Monetary Sector transactions as residuals, including changes in money supply and in short-term credits as key projections. The second is decomposition of the Monetary Sector account into the Central Bank Sector and the Other Banks Sector, which makes possible a projection of measures for the implementation of projected changes in short-term credits and money supply.
Monthly planning has two objects: first, to check annual projections and, if necessary, to adjust them to actual developments; and second, to introduce seasonal components. Seasonal adjustment is made only for the Monetary Sector, its two subsectors, and credit policy measures. Monthly projections are made every month for three months in advance.     

长江流域新世纪可持续发展的重大问题

长江流域占全国面积的15.5%,它所拥有的水、土、生物、矿产等整体资源优势和雄厚的社会、经济基础,成为我国经济的驱动轴。然而,随着人口的不断增加和经济的高速增长,流域人地关系日趋紧张,影响着长江流域资源和环境优势的发挥。文章分析了长江流域发展形势及其在全国的地位,指出:人口压力增大、资源安全不容忽视、生态环境恶化、经济效益下降以及整体性差等成为长江流域可持续发展面临的主要问题;控制人口增长、保持适速经济增长、建立资源节约型和“绿色化”的国民经济体系、建立流域生态补偿机制和管理模式以及对长远性问题坚持科学研究是实现长江流域可持续发展的关键所在。