感知驱动要素对商业银行顾客资产的影响  

The Influence of Perception Driving Factors on Commercial Bank Customer Asset

作　　者：张慧敏[1] 张宇[1] 

机构地区：[1]天津科技大学经济与管理学院

出　　处：《经济与管理研究》2014年第1期48-55,共8页Research on Economics and Management

基　　金：天津市哲学社会科学研究规划资助项目"后金融危机时代商业银行资产管理策略研究"(TJGL12-110)

摘　　要：分析表明,顾客资产会受一些不易观测的非购买行为影响,这些非购买行为被称为感知资产。感知资产受诸多亚驱动要素影响,包括口碑宣传、交叉购买、重复购买、他人推荐、价格溢价等,本文旨在通过实地问卷调查以及主成分改进Logistic回归分析对感知驱动要素对商业银行顾客资产的影响进行探讨,提出感知驱动下顾客资产价值提升的相应策略,以期银行达到提高顾客资产价值的目的。The analysis shows that customer asset is impacted by some of non-purchase behaviors which are not easily observed, known as perceived asset. Many factors affect perceived asset, including words of mouth public praise, cross-buy- ing, repurchasing, others recommend, price premiums, etc.. This paper aims to discuss the influence of perception driving factors through questionnaire and modified logistic regression analysis on commercial bank asset, propose the corresponding strategies for enhancing the value of customer perceived value enhancement asset and help commercial banks achieve the aim of customer asset

关 键 词：感知驱动要素 顾客资产 主成分分析 LOGISTIC回归分析 

分 类 号：F830.33[经济管理—金融学]