關(guān)系營(yíng)銷(xiāo)外文文獻(xiàn)

CUSTOMER RELATIONSHIP MANAGEMENT As univ drd Mihaela Cornelia Prejmerean Lect univ dr Alina Mihaela Dima Academy of Economic Studies Bucharest Abstract After 17 years of economical and market development Romanian companies face a new challenge the tough competition from the European Union and the battle for the customers The Romanian enterprises will have to learn not only how to attract customers but also how to keep them Marketing programs include now aspects regarding customer orientation relationship management loyalty and quality In this paper we will follow the main aspects characteristics dimensions and processes of Customer Relationship Management and we will analyze the challenges that the local companies will have to face Examples from the financial service sector will round the actual situation of the implementation of the CRM rules and principles in Romania Keywords marketing information system customer relationship management business asset customer acquisition customer retention 1 Introduction In the last decade the majority of the companies were preoccupied with production recession mergers new technologies and business regulation Romania s accession in the European Union will bring many advantages for further development together with membership in a Common Market with common policies on product regulation and freedom of movement for all the four factors of production goods services capital and labor This means that Romanian companies will compete with other companies from the EU directly in their home market European companies are more flexible and mobile and will put a high pressure on the local companies in order to produce better products launch better offers and services and orientate more towards their customers High revenue equals important customer is a classic rule when the company organises its customer policy An important customer brings a gross amount of money for our enterprise has become a reflex for many companies abroad and perhaps in Romania too But is this always true or do we need more information than a simple figure reported at the end of the year 2 Marketing information system A winning company is more productive in acquiring and retaining customers to expand its clientele Kotler 2003 This company improves the value of the customers by reducing the rate of defection increasing the longevity of customer Management target segment the company usually sets priorities between different customer segments it defines strategic customers based on the portfolio analyses factors as revenue length of the relationship income collaboration with the customer These are its analysis criteria ways of retaining the customers customers satisfaction is in the centre of all the decisions but customers retention can also become a central issue through contractual clauses such as service leasing and warranty choosing the instruments of CRM the company combines the instruments of the 4P s with focus on the customer intensity and timing of the CRM decisions show when and how should the company introduce different instruments programmes can last from one day to one week or from three month to two years cooperation within the CRM programme sometimes the company must cooperate with other partners from the distribution channel mainly between producer and wholesaler and retail 5 Instruments of customer relationship management The communication policy plays an important role in the instruments mix It follows two objectives first to build a permanent dialogue with the customer in order to stabilize or change its expectations and second to counteract influences after consumption The main CRM instruments within the communication policy are Direct Mail is material distributed through the postal service to the recipients home or business address to promote a product or service In CRM the mailed issue can vary from a simple letter to a catalogue and its sending will always occur at a particular moment in customer s life birthday invitation for an event It must incorporate sticky gadgets to increase their chances of being opened and read Newsletters are distributed to customers for free and contain information about new products offers for special events and others Fidelity cards store cards are an important tool in gathering information about customer behaviour By accumulating points of fidelity the customer can benefit from different special offers Clients club designates a concept which has grown in parallel with the fidelity cards Its main forms are VIP Club Fan Club Product Interest Club and Lifestyle Club The club represents an opportunity for the company to make offers in accordance with the social status acceptance prestige and expectations of its customers Telemarketing allows companies to undertake marketing research and is highly measurable and accountable the number of positive and negative responses are easily recorded and monitored It provides for interaction is flexible and permits immediate feed back Online marketing includes many forms such as on line advertising on line sales promotions on line direct marketing on line public relations one line personal selling The medium used is the internet and the main instrument is the email Virtual promotions are cheaper than hard copy versions but the challenge is to drive traffic to your company s Web site Event marketing takes place in three main areas the product here it focuses on increasing sales the corporation for developing a corporate body and the community to make a difference in the life of the local community Bruhn 1999 banks began to develop and to introduce new products Some experts say that a weakness of the banking sector is market segmentation There is lots of information about customers but it seems that banks prefer to focus on clients with large savings accounts The main banks in Romania as BRD BCR ING and HVB Tiriac announced for the year 2005 an increase in the number of the private banking clients These are mainly customers with accounts between 50 000 and 100 000 Euros they benefit of private consultancy special interest rates commissions and special insurances Customers have also a word to say about their bank A market study made by Deadalus Consulting revealed that the customer profile for banking services is person aged between 45 55 years with higher or middle education The most utilized service is the bank card for salaries payment 32 6 Next savings accounts 10 2 credits for personal needs 11 1 credits for buying electronics 9 2 and auto leasing The best grades were received by Raiffeisen Bank 8 83 BCR 8 58 and BRD Societe Generale 8 57 A customer s criteria when choosing a bank are the trust in the bank the environment in the branch the quality of the staff the advice they receive the best interest rate they can receive the information about the credit costs and the conditions for obtaining a credit A successful service provided by the majority of the banks is internet banking It allows clients to save time and money without going to the bank 24 of 24 from inside or abroad The access is free of charge or very cheap and includes all kinds of activities from money transfer payment orders currency exchange payment of current bills external payments etc The rate of penetration is still low ranking between 10 and 30 of the customers in one middle bank 7 Conclusions Roma