Core Competences of Basic Business Outlets of Commercial Banks
Given the process reengineering and flattening system reform,how to build basic business outlet's core competence has attracted wide concerns of commercial banks.Drawing reference from enterprise's core competence theory,this paper makes a de- tailed analysis on the connotation and characteristics of core competence of commercial bank outlets and points out the main prob- lems in outlet's core competence construction from six aspects:service efficiency,service quality,service innovation,client loyalty, employee loyalty and service incentives.Accordingly,the paper proposes the following improving measures:(1)selecting suitable core competence objective;(2)enhancing employee's understanding of the above-mentioned six elements;(3)establishing sustain- able improvement and studying mechanism;(4)emphasizing model effect in the management;(5)creating outlet's unique culture en- vironment.
Bx contrast of tangible goods，three characteristics of service are dealt with inseparabilitx，variabilitx， perishabilitx． And problems possiblx arising from these aspects and solutions thereof are discussed． The paper points out that great importance should be attached to policies of marketing and service．