用户名: 密码: 验证码:
基于客户—企业动态关系的客户资产研究
详细信息    本馆镜像全文|  推荐本文 |  |   获取CNKI官网全文
摘要
国内外学者对客户资产及其驱动要素等问题有了不少研究,本研究从关系营销的角度,对企业-客户动态互动的情境下的客户资产进行了深入探索。致力对现有研究给予补充和深入,也希望能对当前我国企业在面对经济转型而竞争日益激烈的背景下开发客户关系的管理实践给予指导。
     现有的客户资产研究中还比较缺乏整合性的研究,能够揭示出客户资产的形成机理,同时对企业的管理实践有所帮助。本研究以我国银行业的客户关系与客户资产管理为例,试图构建关系导向下的客户资产管理模型。本研究认为关系导向的客户管理能力将是银行等服务企业未来竞争力的核心所在,只有那些能够与客户建立长期稳定关系的企业,才有可能稳定市场份额、获得财务收益。因此,本研究建立起关系质量为核心的客户资产管理模型,为企业提供了关系视角下如何驱动客户资产、通过哪些要素的努力能够提高企业与客户的关系质量等方面建立理论,同时形成实践的指导。
     在客户关系与客户资产的研究中,关系的动态性是重要的特征,同时由于数据获取的困难也构成了研究的难点。本研究应用客户细分和生命周期理论,将客户细分为关系型和交易型,同时结合银行业的特征,把客户与企业的关系分为获取期、成熟期和衰退期三个阶段。本研究分别对两类客户的关系质量与客户资产的关系进行了探索,同时对两类客户在不同生命周期阶段的客户资产情况进行了分析。
     同时,本研究认为,客户类型的细分也是一个动态的过程。本文因研究需要将客户细分为关系型和交易型,然而交易型客户的消费特征并不是一成不变,他们也会根据银行的业务变化、营销策略等因素调整自己的行为,因此从管理策略上来讲,本研究认为企业需要及时对客户的关系质量进行检测,对于客户的变化实施管理,努力促使交易型客户向关系型转变。
     本研究前期对17位银行的客户进行了访谈,了解这些客户的银行业务、与银行的关系与互动情况等等,同时作者对国内的外资和本地共5家银行的业务主管或客户经理进行了个人深度访谈,在访谈提供的大量一手资料基础上,结合已有研究的相关量表,设计了本研究的问卷。
     本研究的正式问卷调查是在北京和天津的银行服务网点发放,在客户等待以及完成银行业务后进行填答,共发放问卷680份,同时作者在网络上通过问卷星网站收集数据,总共回收632份。有效问卷共计553份。
     最后通过SPSS13.0软件和AMOS7.0软件进行数据分析,检验了量表的信度和效度,均通过检验;本研究利用结构方程模型构建了客户资产驱动要素、关系质量与客户资产的结构方程,并通过回归分析和独立样本T检验。
     经过研究,本文得到如下结论:
     对于关系型客户,客户满意对客户资产增值有显著的正向影响;
     对于关系型客户,客户信任对客户资产增值有显著的正向影响;
     对于关系型客户,客户承诺对客户资产增值有显著的正向影响;
     对于交易型客户,客户满意对客户资产增值有显著的正向影响;
     对于交易型客户,客户信任对客户资产增值无显著的正向影响;
     对于交易型客户,客户承诺对客户资产增值无显著的正向影响。
     在关系营销视角下,客户资产有五个驱动要素,分别是专业知识、服务互动、合作意愿、品牌认同以及产品差异,他们通过关系质量间接影响客户资产的增值。
     对于关系型客户,其关系质量与客户资产增值的影响存在倒U型变化规律。即在获取期,关系质量对客户资产增值有正向的显著影响;在成熟期,关系质量对客户资产增值的正向影响有所降低;在衰退期,关系质量对客户资产增值的影响是负向的显著影响。
     对于交易型客户,其关系质量对客户资产增值存在显著的负向影响。
     本文以上研究结论形成了关系营销视角下客户资产研究的系统性框架,对动态的客户企业关系情境下的关系质量与客户资产关系进行了深入分析,以上结论对企业的客户关系管理实践有直接的指导意义。
Domestic and international scholars have done many researches on Customer Equity and its divers. From the perspective of Relationship Marketing, this research is conducted to deeply explore the Customer Equity under the context of Customer-Enterprise dynamic interactions. In order to dedicate to supplement and deepen the current researches, this research is also hoping to provide advices to the developing of customer relationships for the Chinese enterprises which are facing the transformation of economic environment and increasingly intensive competition.
     Up to now, the prior researches on Customer Equity are relatively lacking of an integrated approach to reveal the mechanism about how to form the Customer Equity as well as offer help to the enterprises for the management execution. This research is based on the Customer Relationships and Customer Equity management in Chinese banking industry as an example, trying to establish a relationship-oriented Customer Equity management model. Our research thinks a relationship-oriented Customer Equity management capabilities will be the future core competitiveness of B2C service businesses such as banks.
     Only those enterprises, which can build up long-term stable relationships with their customers, will be able to steadily win market share and obtain financial return. Therefore, our research established a customer equity management model based on relationship quality as the core foundation. And, we constructed theory and formed the guidance for execution to help the enterprises with aspects about how to drive customer equity from the relationship perspective, and make efforts on what drivers to improve the relationship quality between the enterprises and customers.
     In terms of researching customer relationship and customer equity, the dynamic of relationship is an important character, and the difficulty of obtaining data is causing a challenging part of research. This research is using the theory of customer segmentation and customer life-cycle management to segment customers by relational type and transactional type. Meanwhile, together with the traits of banking industry, we segment the relationship between the enterprises and customers by3 stages as acquisition/promotion stage, maturity stage, and declining stage. Our research did exploration on the relationship between relationship quality and customer equity for the two types of customers respectively. Also, we did analysis on the changes of situation for the two types of customer during different stages of customer life cycle.
     In addition, this research thinks the segmentation of customer types is a dynamic process. In this paper, we segment the customers by relational type and transactional type because of the needs for doing the research. However, the traits of transactional type of customers are not unchanged all the time. They would adjust their behaviors according to the changes of banks'business and marketing strategy. Hence, viewing from the management strategy, this research thinks the enterprises need to conduct timely measurement on the relationship quality with their customers, and also take proactive approach to manage the changes of the customers and make efforts to transform the transactional type of customers to the relational type of customers.
     During the beginning period of this research, we did survey on17banking customers to understand their business with the banks as well as their relationship and interactions with the banks. At the same time, the author did individual interviews with the business management and client managers from five banks, including one foreign invested bank and four Chinese banks. Based on the large volume of first-hand data collected from the surveys, and combined with the related measurement scales done by currently available researches, we designed the questionnaire of this research.
     The formal questionnaire survey of this research was conducted in banking branch networks in both Beijing and Tianjin. The customers filled in the questionnaire while they were waiting for banking services or just finished the transactions. The author also used the internet web site to collect the questionnaire input data. Totally, we issued680questionnaires, and collected back632questionnaires with553effective questionnaires.
     Finally, the whole data was analyzed through AMOS7.0and SPSS13.0software, and the reliability and validity of the scale were inspected and validated. This study used Structural Equation Modeling (SEM) to construct the structural equation tor customer equity drivers, relationship quality and customer equity, which was further verified by the regression analysis and independent sample T test.
     Through the research, this paper came out the following conclusions:
     For relational customers, there is a significantly positive relationship between customer satisfaction and customer equity increase.
     For relational customers, there is a significantly positive relationship between customer trust and customer equity increase.
     For relational customers, there is a significantly positive relationship between customer commitment and customer equity increase.
     For transactional customers, there is a significantly positive relationship between customer satisfaction and customer equity increase.
     For transactional customers, there is no significantly positive relationship between customer trust and customer equity increase.
     For transactional customers, there is no significantly positive relationship between customer commitment and customer equity increase.
     Under the perspective of relationship marketing, customer equity have five drivers, which are professional expertise, service interaction, cooperative intentions, brand recognition and product difference. These driving factors indirectly influence the value increasing of customer equity through relationship quality.
     For relational customers, the relationship between relationship quality and customer equity increase shows an inverted U-shaped pattern. During the customer acquisition period, the effect influenced by relationship quality to customer equity increase is positive. Moving into the maturity period, the effect influenced by relationship quality to customer equity is still positive while the degree is reduced. Then in customer declining period, the effect influenced by relationship quality to customer equity increase is negative.
     For transactional customers, the relationship quality has a negative effect on customer equity increase.
     In this article, from a relationship marketing perspective, our above conclusion has formed the systematic framework of customer equity research. In the context of the dynamic customer-enterprise relationship, the thorough analysis is conducted on the relationship between relationship quality and customer equity. The research results have enabled the enterprises to grasp a direct guidance of customer relationship management practices.
引文
1《中国社会科学报》,2013年10月8日,第四版
    2《证券时报》,2000年5月24日
    ①转引自:李桂华,产业市场营销的市场细分方法与模型研究,现代财经,2001(4):55-58
    4转引自荣泰生《AMOS与研究方法》,重庆大学出版社,2009.3,第118页。
    5转引自侯杰泰.结构方程模型及其应用.北京:教育出版社,2004
    [1]Aaker, D.A., Brand Leadership, Simon & Schuster, London,2002.
    [2]Aaker, Jennifer L. Dimensions of brand personality. Journal of Marketing Research,1997, Vol.34(3):347-356
    [3]Angus, Jekinson, Valuing Your Customers:From quality information to quality relationship through database marketing, New York:McGraw Hill,1995,336-338.
    [4]Arthur W. Allaway, Patricia Huddleston, Judith Whipple, Alexander E. Ellinger. Customer-based brand equity, equity drivers, and customer loyalty in the supermarket industry. [J]. Journal of Product & Brand Management,20/3 (2011) 190-204.
    [5]AG Woodside, RJ Trappey. Customer Portfolio Analysis among Competing Retail Stores. Journal of Business Research,1999,35:189-200.
    [6]Axelrod, R. (1984), The Evolution of Cooperation. New York:Basic Books, Inc.
    [7]Anderson, J. C., & Narus, J. A. A model of distributor firm and manufacturer firm working partnerships. Journal of Marketing,1990,54,42-58.
    [8]Anderson, James C. and David W. Gerbing, Structural Equation Modeling in Practice:A Review and Recommended Two-Step Approach, Psychological Bulletin,1988,103 (3), 411-23.
    [9]Anderson, E. and D. Simester,'Long-run effects of promotion depth on new versus established customers:Three field studies'. Marketing Science,2004,23(1),4-20.
    [10]Anderson J C, Gerbing, D W. Structural equation modeling in practice:A review and recommended two-step approach. Psychological Bulletin,1988, Vol.103(3):411-423.
    [11]Agariya, A. K. and D. Singh, What really defines relationship marketing? A review of definitions and general and sector-specific defining constructs. Journal of Relationship Marketing,2011, Volume 10, Issue 4, pp:203-237.
    [12]Armelini, Guillermo. The Effect of Word of Mouth in Customer Equity and Brand Equity. Chinese Business Review, March 2011, Vol.10, No.3,205-216.
    [13]Armstrong, G. and P. Kolter. Marketing:An Introduction,6th ed., New Jersey:Prentice Hall, 2002.
    [14]Axelsson, B. and Easton, G. (eds), Industrial Networks:A New View of Reality, London: Routledge,1992.
    [15]Barnes, J.G., Close to the customer:but is it really a relationship?, Journal of Marketing Management, April 1994, pp.154-172.
    [16]Bayon, T., Bauer, H. and Gutsche, J. Customer equity marketing:Touching the intangible. European Management Journal,2002,20 (June):212-223.
    [17]Bell, D., Deighton, J., Reinartz, W. J., Rust, R. T. and Swartz, G. Seven barriers to customerequity management. Journal of Service Research,2002,5 (August):77-85.
    [18]Berdie D R. Reassessing the Value of High Response Rates to Mail Surveys. Marketing Research,1994, Vol.1(3):52-64
    [19]Blattberg, Robert C. and John Deighton, "Manage Marketing by the Customer Equity Test," Harvard Business Review,1996, (July-August),36-44.
    [20]Berger, P. D., Bolton, R. N., Bowman, D., Briggs, E., Kumar, V, Parasuraman, A.,and Terry, D..Marketing Actions and the Value of Customer Assets:A Framework for Customer Asset Management:Journal of Service Research,2002,5(1),39-54
    [21]Berger and Nada I. Nasr, "Customer Lifetime Value:Marketing Models and Applications," Journal of Interactive Marketing,1998,12 (Winter),17-30.
    [22]Berger, Paul D.. Bruce D. Weinberg and Richard C. Hanna, "Customer Lifetime Value Determination And Strategic Implications For A Cruise-Ship Company," The Journal of Database Marketing & Customer Strategy Management.2003,11:1 (September).40-52.
    [23]Bagozzi, Richard P. and Youjae Yi, On the Evaluation of Structural Equation Models, Journal of the Academy of Marketing Science,16 (1) 1988, pp74-94.
    [24]Bejou, D., Wray, B. and Ingram, T.N., "Determinants of relationship quality:an artificial neural network analysis", Journal of Business Research,1996, Vol.36, pp.137-43.
    [25]Berry, Leonard L., "Relationship Marketing, In Emerging Perspectives on Services Marketing", American Marketing Association,1983, pp.25-28.
    [26]Berry, Leonard L.'Relationship marketing of services-growing interest, emerging perspectives'. Journal of the Academy of Marketing Science,1995,23(4),236-245.
    [27]Berry, L.L. and A. Parasuraman. Marketing Services-Competing Through Quality, New York:The Free Press,1991, pp.137.
    [28]BD Kim,SO Kim.Measuring up-selling potential of life insurance customers:application of a stochastic frontier model[J]. Journal of Interactive Marketing,1999,13(4):2-9.
    [29]Blackston, M. Building brand equity by managing the brand's relationships. Journal of Advertising Research,1992,32(3):79-85.
    [30]Blattberg, R. C. & Deighton, J. Manage marketing by the customer equity test. Harvard Business Review,1996,74(4),136-144.
    [31]Blattberg, Gary Getz, and Jacquelyn S. Thomas, Customer Equity:Building and Managing Relationships as Valuable Assets. Boston:Harvard Business School Press,2001.
    [32]Bolton. R. N. and K. N. Lemon and P. C. Verhoef. The theoretical underpinnings of customer asset management:a framework and propositions for future research. Journal of the Academy of Marketing Science,2004,32 (3):271-292.
    [33]Bolton and James Drew, "A Longitudinal Analysis of the Impact of Service Changes on Customer Attitudes," Journal of Marketing,1991,55 (January),1-9.
    [34]Boomsma A. The robustness of LISREL against small sample sizes in factor analysis models. In:K.G. Joreskog, H. Wold. eds. Systems under indirect observation:Causality, structure, prediction. Amsterdam:North-Holland,1982.149-173.
    [35]Boomsma A. On the robustness of LISREL (maximum likelihood estimation against small sample size and nonnormality):[dissertation]. Amsterdam:University of Groningen, 1983.
    [36]Boomsma A, Hoogland J J. The robustness of LISREL modeling revisited. In:Cudeck R., Toit Stephen du, Sorbom D, eds. Structural equation modeling:Present and future. A festschrift in honor of Karl Joreskog. Chicago:Scientific Software International, 2001.139-164
    [37]Boulding, W., Kalra,A., & Staelin, R., The quality double whammy. Marketing Science, 1999(18):463-484
    [38]B. Tomas, G. Jens and B. Hans. Customer Equity Marketing:Touching the Intangible. European Management Journal.2002,20 (3):213-222
    [39]Brady, J. and Davis, I.,'Marketing in Transition', McKinsey Quarterly,1993, No.2, pp 17-28.
    [40]Brito, Carlos, Relationship marketing:old wine in a new bottle? Innovative Marketing, 2011, Volume 7, Issue 1, pp.66-77.
    [41]Brodie, Roderick J., Nicole E. Coviello, Richard W. Brookes & Victoria Little, Towards a Paradigm Shift in Marketing? An Examination of Current Marketing Practices, Journal of Marketing Management,1997, Volume 13, Issue 5,383-406.
    [42]Brodie, Roderick J., James R.M. Whittome, and Gregory J. Brush, "Investigating the service brand:a customer value perspective," Journal of Business Research,2009,62, 345-55.
    [43]Brooks, Neil and Simkin Lyndon, Measuring marketing effectiveness:an agenda for SMEs. Marketing Review; Spring 2011, Vol.11 Issue 1, p3-24.
    [44]Bruel Monica, Valcareggi Aline. Maximizing Customer Equity through Optimal Allocation of Marketing Budget:Case Study in a Women's Clothing Company. Society for Marketing Advances Proceedings. January 2010, p271 (Conference Proceeding).
    [45]Bruhn, M., Georgi, D., & Hadwich, K. Dimensions and Implementation Drivers of Customer Equity management (CEM)-Conceptual Framework, Qualitative Evidence and Preliminary Results of a Quantitative Study. Journal of Relationship Marketing,2006, Vol. 5(1), pp.21-38.
    [46]Busch, Paul and David T. Wilson, "An Experimental Analysis of a Salesman's Expert and Referent Bases of Social Power in the Buyer-Seller Dyad," Journal of Marketing Research, 1976,13 (February),3-11.
    [47]Bush, R.P., Underwood, J.H., & Sherrell, D. L. Examining the Relationship Marketing, Marketing Productivity Paradigm:Establishing an Agenda for Current and Future Research. Journal of Relationship Marketing,2007, Vol.6(2), pp.9-32.
    [48]Butz, Howard, and Leonard Goodstein, "Measuring Customer Value:Gaining the Strategic Advantage," Organizational Dynamics,1996,24 (Winter),63-77.
    [49]Byrne, D., "Attitudes and Attraction," in Advances in Experimental Social Psychology, Vol. 4, L. Berkowitz, ed. New York:Academic Press, Inc,1969.
    [50]Cadwallader, Susan, Tom Boyd and Aaron Thomas, Susan Cadwallader, Affinity and Beyond:Leveraging NASCAR's Integrated Supply Network to Drive Fan Equity. Journal of Marketing Channels,2012, vol.19, no.3, pp.193-211.
    [51]Chen, C. F., Myagmarsuren, O., Investigating Relationship Quality and Relationship Value from a Customer Equity Perspective. Journal of Interactive Marketing,2013, 1(3):23-27.
    [52]Chofray, J. M., and Lilien, G. L. Market planning for new industrial products. New York, NY:John Willey,1980.
    [53]Christopher, Martin, Adrian Payne and David Ballantyne. Relationship Marketing. Linacre House, Jordan Hill, Oxford,2002.
    [54]Christopher, M., Payne, A and Ballantyne, D., Relationship Marketing:Bringing Quality, Customer Service and Marketing Together, Oxford:Butterworth-Heinemann,1991.
    [55]Churchill, Gilbert A., JR. A paradigm for developing better measures. Journal of Marketing Research,1979, Vol.16 (February):64-73
    [56]Collis, D. J., Research note:How valuable are organizational capabilities? Strategic Management Journal,1994,15:143-152.
    [57]Comrey A L. A first course in factor analysis. New York:Academic Pres,1973
    [58]Coote, L., Implementation of Relationship Marketing in an Accounting Practice, in Sheth, J. N. and Parvatiyar, A. (eds), Relationship Marketing:Theory, Methods and Applications, 1994 Research Conference Proceedings, Emory University, Atlanta,1994.
    [59]Copulsky, J.R. and Wolf, M.J., "Relationship Marketing:Positioning for the Future", Journal of Business Strategy,1990,11, No.4, pp.16-2.
    [60]Coviello, N., Brodie, R.J. and Munro, H., "Understanding Contemporary Marketing: Development of a Classification Scheme", Journal of Marketing Management,1997, Volume 13, Issue 6,501-522.
    [61]Cowell, D., The Marketing of Services, Oxford:Butterworth-Heinemann,1984.
    [62]Crosby, Lawrence A., Consumer Attitudes Toward Whole Life Insurance (Wave 1). Atlanta: Life Office Management Association,1984.
    [63]Crosby, Lawrence A. and Nancy Stephens. "Effects of Relationship Marketing on Satisfaction, Retention, and Prices in the Life Insurance Industry." Journal of Marketing Research,1987,24(November):404-411.
    [64]Crosby, L. A., K. R. Evans, and D. Cowles, Relationship Quality in Services Selling:An Interpersonal Influence Perspective. Journal of Marketing,1990, July, pp.68-81.
    [65]Czepiel, John A.. "Services Encounters and Service Relationships:Implications for Research." Journal of Business Research,1990,20:13-21.
    [66]Darshan Desai. Subrat Sahu, Piyush Kumar Sinha. Role of Dynamic Capability and Information Technology in Customer Relationship Management:A Study of Indian Companies. Journal for decision makers,2007,32(4):45-57
    [67]Day, G. S., & Fahey, L. Valuing market strategies. Journal of Marketing,1988,52(3), 45-57.
    [68]Derlega, V. J., B. A. Winstead, P. T. P. Wong, and M. Greenspan, "Self-Disclosure and Relationship Development:An Attributional Analysis," in Interpersonal Process:New Directions in Communication Research, M. E. Roloff and G. R. Miller, eds. London:Sage Publications, Inc,1987.
    [69]Dorsch, M. L., Carlson, L, Raymond, M. A. and Ranson, R. Customer equity management and strategic choices for sales managers. Journal of Personal Selling and Sales Management, 2001,21 (Spring):157-167.
    [70]Dorsch, Michael J., Colby L. Brooks, Initiating Customer Loyalty to a Retailer:A Resource Theory Perspective. Handbook of Social Resource Theory, Critical Issues in Social Justice 2012, pp311-331.
    [71]Doyle, P., Value-Based Marketing. Journal of Strategic Marketing,2000,8,299-311.
    [72]D R Jackson. Strategic Application of Customer Lifetime Value in the Direct Marketing Environment:Journal of Targeting, Measurement and Analysis for Marketing,1994,3(1): 9-17
    [73]Dreze, Xavier and Andre Bonfrer, "Moving from Customer Lifetime Value to Customer Equity," Quantitative Marketing and Economics,2009,7 (3),289-320.
    [74]Dwyer, F. Robert, Paul H. Schurr, and Sejo Oh, "Developing Buyer-Seller Relationships," Journal of Marketing,1987,51 (April),11-27.
    [75]Dwyer, F.R. and Oh, S., "Output sector munificence effects on the internal political economy of marketing channels", Journal of Marketing Research,1987, Vol.24, pp.347-58.
    [76]Dwyer, F. R.:Customer Lifetime Valuation to Support Marketing Decision Making, in: Journal of Direct Marketing,1997, Vol.11, No.4, S.6-13.
    [77]Eggert Andreas, Ulage Wolfgang, and Schultz Franziska. Value creation in the relationship life cycle:A quasi longitudinal analysis. Industrial Marketing Management,2006,35(1): 20-27.
    [78]Ehigie, B.O. and M. Taylor, "Managing students'loyalty to school after graduation through relationship marketing", The TQM Journal,2009,21(5):502-516.
    [79]E Naumann.Creating Customer Value:The Path to Sustainable Competitive Advantage. Cincinnati, Thomson Executive Press,1995.
    [80]Evans, F. B., "Selling as a Dyadic Relationship-A New Approach," American Behavioral Scientist,1963,6 (May),216.
    [81]Evans, K. R. and R. F. Beltramini, "A Theoretical Model of Consumer Negotiated Pricing: An Orientation Perspective," Journal of Marketing,1987,51 (April),58-73.
    [82]Evans, Joel R. & Richard L. Laskin, The Relationship Marketing Process:A Conceptualization and Application, Industrial Marketing Management, Vol.23,1994, pp: 439-452.
    [83]Fader, P. S., Hardie, B. G. S.,& Lee, K. L. RFM and CLV:Using iso-value curves for customer base analysis. Journal of Marketing Research,2005, XLⅡ,415-430.
    [84]Fang-Ming Hsu, Li-Pang Lu, Chun-Min Lin, Segmenting customersby transaction data with concept hierarchy[J], Expert Systems with Applications,2012,39(6):6221-6228
    [85]F.Robert Dwyer. Customer lifetime valuation to support marketing decision making. [J]. Journal of Direct Marketing,1989,8(2):73-81.Journal of Direct Marketing.1997,8,73-81
    [86]FF Reichheld, WE Sasser Jr.Zero Defections:Quality Comes to Services.Harv Bus Rev, 1990,Sep-Oct,68(5):105-111.
    [87]Flint, D.J., Woodruff, R.B., & Gardial, S.F. Exploring the phenomenon of customers' desired value change in a business-to-business context. Journal of Marketing,2002, Vol. 66, pp.102-117.
    [88]Fontenot, R.J., M.R. Hyman, "The antitrust implication of relationship marketing", Journal of Business Research,2004,57:1211-1221.
    [89]Ford, D.:The Development of Buyer-Seller Relationships in Industrial Markets, in: European Journal of Marketing,1980, Vol.14, No.5/6, S.339-353.
    [90]Ford, D., "Buyer/Seller Relationships in International Markets." Industrial Marketing and Management,1984,13,101-113.
    [91]Ford, D. (ed.), Understanding Business Markets:Interaction, Relationships, Networks, Academic Press,1990.
    [92]Ford, D., Gadde, L.-E., Hakansson, H., Lundgren, A., Snehota, I., Tumbull, P. and Wilson, D., Managing Business Relationships, Chichester:Wiley,1997.
    [93]Francois, P., and Robrecht Van Goolen. Relationship quality as the cornerstone of a marketing strategy to optimize customer relations-Modelling relationship quality:A look into the structure of relationship quality and its determinants.2nd Workshop on Relationship Marketing. Workshop on Relationship Marketing. Brussels (Belgium),4-5 October 2005.
    [94]Frazier, G. L., "Interorganizational Exchange Behavior in Marketing Channels:A Behavioral Perspective," Journal of Marketing,1983,47 (October),68-78.
    [95]Furinto, Asnan, Teddy Pawitra and Tengku E. Balqiah. Designing competitive loyalty programs:How types of program affect customer equity. Journal of Targeting, Measurement and Analysis for Marketing,2009,17,307-319.
    [96]Gadel, M. S., "Concentration by Salesmen on Congenial Prospects," Journal of Marketing, 1964,28 (April),64-6.
    [97]Gale, Bradley T., Managing Customer Value. New York:The Free Press,1994.
    [98]Garbarino, Ellen; Johnson, Mark S., "The Different Roles of Satisfaction, Trust, and Commitment in Customer Relationships", Journal of Marketing,1999,63 (2),70-87.
    [99]Gartner Group, "CRM Success Is in Strategy and Implementation, Not in Software," (accessed December 2003),2003, [available at http://www.gartner.com].
    [100]Gilaninia, Shahram, Amin Mohammadi Almani, Amir Pournaserani and Seyyed Javad Mousavian. Relationship Marketing:a New Approach to Marketing in the Third Millennium. Australian Journal of Basic and Applied Sciences,2011,5(5):787-799.
    [101]Goodstein L. D. & H. E. Butz Customer Value:The linchpin of Organizational Change, Organizational Dynamics,1998, Vol.27, Iss.1, pp.21-34.
    [102]Gorsuch R L. Factor analysis.2nd Ed. New Jersey:Lawrence Erlbaum Associates, 1983.
    [103]Greenwich Associates, Large Corporate Banking Survey. Greenwich, CT,1987.
    [104]Gronroos, C., "Value-driven relationship marketing:from products to resources and competencies", Journal of Marketing Management,1997,13(5),407-19.
    [105]Gronroos, C.,'Defining Marketing:A Market-Oriented Approach', European Journal of Marketing,1989,23,1,52-60.
    [106]Gronroos, C.,'The Marketing Strategy Continuum:A Marketing Concept for the 1990s', Management Decision,1991,29,1,7-13.
    [107]Gronroos, C. (a),'Marketing Redefined', Management Decision,1990,27,1,5-9.
    [108]Gronroos, C. (b), "The Marketing Strategy Continuum:Towards a Marketing Concept for the 1990s," Management Decision,1990,29, No.1, p.9.
    [109]Gronroos, C.,'From Marketing Mix to Relationship Marketing:Towards a Paradigm Shift in Marketing', Asia-Australia Marketing Journal,1994,2,1,9-29; also in Management Decision,32,2,4-20.
    [110]Gummesson, E.,'The New Marketing-Developing Long-Term Interactive Relationships', Long-Range Planning,1987,20,4,10-20.
    [111]Gummesson, E., "Broadening and Specifying Relationship Marketing", Asia-Australia Marketing Journal,1994,2, No.l, pp.31-43.
    [112]Gummesson, Evert, Qualitative Methods in Management Research, Newbury Park, CA: Sage, revised edition,1999.
    [113]Gundlach G T., Achrol R. S. and Mentzer J. R. The Structure of Commitment in Exchange. Journal of Marketing,1995,59 (1), pp78-92.
    [114]Gupta, Sunil and Donald R. Lehmann. "Customers as Assets?' Journal of Interactive Marketing,2003,17(1):9-24.
    [115]Gurau, C., and A. Ranchhold, How to Calculate the Value of a Customer-Measuring Customer Satisfaction:A Platform for Calculating, Predicting and Increasing Customer Profitability, Journal of Targeting, Measurement and Analysis for Marketing,2002,10 (3), 203-219.
    [116]Hair J F Jr, Anderson R E, Tatham R L and William Black. Multivariate data analysis.5th ed. New Jersey:Prentice Hall,1998
    [117]Hakansson, H., ed., International Marketing and Purchasing of Industrial Goods:An Interaction Approach. Chichester, UK:John Wiley & Sons,1982.
    [118]Hansotia, B., Company activities for managing customer equity. Database Marketing & Customer Strategy Management,2004, Vol.11 (4), pp.319-332.
    [119]Hanssens, Dominique M., Thorpe, Daniel and Finkbeiner, Carl, -Marketing When Customer Equity Matters. Harvard Business Review,2008, Vol.86 Issue 5,117-123.
    [120]Harrigan, Paul, Elaine Ramsey & Patrick Ibbotson, Critical factors underpinning the e-CRM activities of SMEs. Journal of Marketing Management,2011, Volume 27, Issue 5-6, pages 503-529.
    [121]Harrison-Walker, L. J. The Measurement of Word-of-Mouth Communication and an Investigation of Service Quality and Customer Commitment as Potential Antecedents. Journal of Service Research,2001,4(1),60-75.
    [122]Heard, Ed, "Walking the Talk of Customer Value," National Productivity Review, 1993-1994,11 (Winter),21-27.
    [123]Helkkula, Anu, Carol Kelleher and Minna Pihlstrom, Characterizing Value as an Experience Implications for Service Researchers and Managers. Journal of Service Research February,2012, vol.15 no.1,59-75.
    [124]Helm, S. Customer Valuation as a Driver of Relationship Dissolution. Journal of Relationship Marketing,2004, Vol.3(4), pp.77-91.
    [125]Hennig-Thuran, T. and A. Klee, "The Impact of Customer Satisfaction and Relationship Quality on Customer Retention:A Critical Reassessment and Model Development", Psychology & Marketing,1997, Vol.13 No.8, December, pp.737-64.
    [126]Hennig-Thurau, Thorsten, Kevin P. Gwinner, and Dwayne D. Gremler, "Understanding Relationship Marketing Outcomes:An Integration of Relational Benefits and Relationship Quality," Journal of Service Research,2002,4 (February),230-247.
    [127]Hennig-Thurau, T., Groth, M., Paul, M., & Gremler, D. D. Are all smiles created equal? How emotional contagion and emotional labor affect service relationships. Journal of Marketing,2006,70,58-73, (July). doi:10.1509/jmkg.70.3.58.
    [128]Hogan, John E., Katherine N. Lemon, and Roland T. Rust. "Customer Equity Management:Charting New Directions for the Future of Marketing?'Journal of Service Research,2002,5(1):4-12.
    [129]Holbrook, Morris B., "Customer Value and Autoethnography:Subjective Personal Introspection and the Meanings of a Photograph Collection," Journal of Business Research, 2005,58(1),45-61.
    [130]Holehonnur, A., Raymond, M. A., & Hopkins, C. (2007). Examining the Customer Equity Framework from a Consumer's Perspective. Society for Marketing Advances Proceedings,2007, pp.194-195.
    [131]Holehonnur, Abhijith., Raymond, Mary A., Hopkins, Christopher D. and Fine, Amanda C (2009), xamining the customer equity framework from a consumer perspective. Journal of Brand Management,2009, Vol.17 Issue 3,165-180.
    [132]Holm, Morten, V. Kumar and Carsten Rohde, Measuring customer profitability in complex environments:an interdisciplinary contingency framework. Journal of the Academy of Marketing Science, May 2012, Volume 40, Issue 3, pp 387-401.
    [133]Holmlund, M. The D & D model:Dimensions and domains of relationship quality perceptions. The Service Industries Journal,2001,21(3),13-36.
    [134]Hsieh Y. and Hiang S. A Study of the Impacts of Service Quality on Relationship Quality in Search-Experience-Credence Services. Total Quality Management,2004,15(1), pp 43-58.
    [135]Hu L Bentler P M. Kano Y. Can test statistics in covariance structure analysis be trusted?. Psychological Bulletin,1992, Vol.112:351-362
    [136]Hui-Chu Chang, Hsiao-Ping Tsai, Group RFM analysis as a novel framework to discover better customer consumption behavior[J], Expert Systems with Applications, 2011,38(12):14499-14513.
    [137]Huo H.L., Xu W.Y. and Chen K.K. (2013). The influence of customer equity drivers on specific purchasing behavior in retail industry. [J]Information Technology Journal 12(11): 2236-2240,2013.
    [138]Hushes, A., Strategic database marketing:The masterplan for startingand managing a profitable, customer-based marketing program. Probus Pub. Co. (Chicago,111.),1994.
    [139]Hyun, Sunghyup Sean. Managing long-term customer value in the theme park industry. Journal of Travel and Tourism Research. Spring 2009.
    [140]Hyunseok, Hwang, Jung Taesoo, & Suh Euiho. "An LTV model and customer segmentation based on customer value:a case study on the wireless telecommunication industry. Expert Systems with Applications",2004,26,181-188.
    [141]Ivanauskiene, Neringa and Vilte Auruskeviciene, CUSTOMER EQUITY MODEL FROM CUSTOMER AND ORGANIZATION PERSPECTIVE. [J] Economics & Management; 2010, p541-548.
    [142]Ives, B. and Learmonth, G. The information systems as a competitive weapon, Communications of the ACM,1984,27,1193-1201.
    [143]J. Huang and C. Lin, "Empower internet services in hotel industry-A customer service life cycle concept," The Journal of American Academy of Business, Cambridge, Vol.9, pp. 99-103,2006.
    [144]Jackson, Barbarabund. Build Customer Relationship That Last:Harvard Business Review.1985,63,120-128.
    [145]Jap, Sandy D, Ganesan, Shankar. Control mechanisms and the relationship lifecycle: implications for safeguarding specific investments and developing commitment:Journal of marketing Research.2000,37(2),227-245.
    [146]Jackson, D.R.Strategic Application of Customer Lifetime Value in the Direct Marketing Environment. Journal of Targeting Measurement and Analysis for Marketing, 1994,3(1):9-17.
    [147]Jackson, B. B. Winning and Keeping Industrial Customers:The Dynamics of Customer Relationships. Lexington, MA:D.C. Heath,1985.
    [148]Jain, D., & Singh, S.S. Customer Lifetime Value Research in Marketing:A Review and Future Direction. Journal of Interactive Marketing,2002,1(2),34-46.
    [149]Johns, N.'What is this thing called service?'European Journal of Marketing,1999, 33(9/10),958-973.
    [150]Johnson, M. Commitment to personal relationships. In W. H. Jones and D. W. Perlman (Eds.), Advances in Personal Relationships,1991(Vol 3, pp 117-143). London:Jessica Kingsley.
    [151]Johnston, Wesley J. and Thomas V. Bonoma, "The Effect of Power Differences on the Outcome of Consumer Bargaining Situations," in Advances in Consumer Research, Vol.11, T. C. Kinnear, ed. Ann Arbor, MI:As-sociation for Consumer Research,1984,170-4.
    [152]Kajale, A.R. Importance of Relationship Marketing in Competitive Marketing Strategy. Indian Streams Research Journal,2012, Vol.2, Issue.Ⅱ/March,12pp.1-4.
    [153]Kamakura, W. A., Mittal, V, de Rosa, F., & Mazzon, J. A. Assessing the service profit chain. Marketing Science,2002,21(3),294-317.
    [154]Kaplan, R. & Norton, D. The balanced scorecard. Harvard Business Press,1996.
    [155]Karadeniz, Mustafa, The Relationship Marketing Approach And Strategies in Retaling Management to Constitute Customer and Brand Loyalty. [J] Journal of Naval Science and Engineering,2010, Vol.6, No.l, pp.15-26.
    [156]Keane, T.J. & Wang, P. "Applications for the Lifetime Value Model in Modern Newspaper Publishing. Journal of Direct Marketing",1995,9(2),59-66.
    [157]Keller, K.L., Strategic Brand Management:Building, Measuring, and Managing Brand Equity, Prentice-Hall, Englewood Cliffs, NJ,1998.
    [158]Kim, Angella J. and Eunju Ko, Do social media marketing activities enhance customer equity? An empirical study of luxury fashion brand. Journal of Business Research, Volume 65, Issue 10, October 2012, Pages 1480-1486.
    [159]Kim, J. O., & Mueller, C. W. Introduction to factor analysis:What it is and how to do it. Beverly Hills, CA:Sage,1978.
    [160]Kordupleski, Raymond, Roland T. Rust, and Anthony J. Zahorik, "Why Improving Quality Doesn't Improve Quality," California Management Review,1993,35 (Spring), 82-95.
    [161]Kotler Philip, Marketing management. New Jersey:Prentice Hall Inc,2000, pp.76-77.
    [162]Kotler, Philip, Managerial Marketing, Planning, Analysis, and Control. Englewood Cliffs, NJ:Prentice Hall,1967.
    [163]Kotler, P. and Armstrong, G. (2008) Principles of Marketing. Upper Saddle River, NJ: Pearson, Prentice Hall.
    [164]Kotler, P. and Armstrong, G., Principles of Marketing,7Th ed., Englewood Cliffs, NJ: Prentice-Hall,1996.
    [165]Kotler, Philip, "Marketing's New Paradigm:What's Really Happening Out there", Planning Review, September/October 1992,50-52.
    [166]Kumar, N., Scheer, L. K., & Steenkamp, J. B. The effects of supplier fairness on vulnerable resellers. Journal of Marketing Research,1995,32,54-65.
    [167]Kumar, V., Rajan, B. Profitable Customer Management:Measuring and Maximizing Customer Lifetime Value. Management Accounting Quarterly,2009, Vol.10, No.3, pp. 1-18.
    [168]Kumar, V. and Shah, Denish, Expanding the Role of Marketing:From Customer Equity to Market Capitalization. Journal of Marketing,2009, Vol.73 Issue 6,119-136.
    [169]Kumur, N., L. K. Scheer, and J. E. M. Steenkamp, "The Effects of Perceived Interdependence on Dealer Attitudes", Journal of Marketing Research, August 1995, pp.348-356.
    [170]Kumar, V. and W. J. Reinartz, Customer Relationship Management:A Databased Approach(1st edition), New York:John Willey & Sons, Inc,2006.
    [171]Landroguez, Silvia Martelo, Castro, Carmen Barroso, Cepeda-Carrion, Gabriel. Creating Dynamic Capabilities toIncrease Customer Value [J]. Management Decision, 2011,49 (7):1141-1159.
    [172]Lagace, R. R., R. Dahlstrom and J. B. Grassenheimer. "The Relevance of Ethical Salesperson Behavior on Relationship Quality:The Pharmaceutical Industry", Journal of Personal selling and Sale Management,1991, Vol.11, No.4, pp.39-47.
    [173]Lapierre, J., "Customer-perceived value in industrial contexts", Journal of Business & Industrial Marketing,2000, Vol.15 No.2/3, pp.122-40.
    [174]Leenders, Mark A.A.M., The relative importance of the brand of music festivals:a customerequity perspective. Journal of Strategic Marketing,2010, Vol.18, No.4, July 2010, 291-301.
    [175]Lemon, K. N., Rust, R. T. and Zeithaml, V. A. What drives customer equity? Marketing Management,2001,10(Spring):20-25.
    [176]Leone, R. P., Rao, V. R., Keller, K. L., Luo, A. M., McAlister, L. and Srivastava, R. Linking brand equity to customer equity. Journal of Service Research,2006,9(November): 125-138.
    [177]Leverin, A. and V. Liljander, "Does relationship marketing improve customer relationship satisfaction and loyalty?" International Journal of Bank Marketing,2006,24(4): 232-251.
    [178]Levitt, Theodore, The Marketing Imagination, New York:The Free Press,1983.
    [179]Levitt, T.,'After the Sale is Over', Harvard Business Review,1983, September,87-93.
    [180]Liang, Lia and Ji-Ye Mao, The effect of CRM use on internal sales management control:An alternative mechanism to realize CRM benefits. Information & Management. Volume 49, Issue 6, October 2012, Pages 269-277.
    [181]Likert, R. A technique for the measurement of attitudes. In:Gene F Summers, eds. Attitude Measurement. Chicago:Rand McNally,1970.149-158.
    [182]LL Berry.Relationship Marketing of Services--Growing Interest, Emerging Perspectives. Journal of the Academy of Marketing Science,1995,23(4):236-245.
    [183]L Oliver Richard.Whence consumer loyalty? Journal of Marketing,1999,63:33-44.
    [184]Lovelock, C. and Wirtz, J., Services Marketing:People, Technology, Strategy, Pearson, Upper Saddle River, NJ,2007.
    [185]Lovelock, C.H. and Weinberg, C.B., Marketing for Public and Non-Profit Managers, John Wiley,1984.
    [186]Lovelock, Christopher. Product Plus:How Product+Service=Competitive Advantage. New York:McGraw-Hill,1994.
    [187]McDonald, M., Service quality and customer lifetime value in professional sport franachises. University of Massachusetts,1996.
    [188]MacNeil, I. R., The New Social Contract:An Inquiry into Modern Contractual Relations. New Haven:Yale University Press,1980.
    [189]Magrath, A.J. and Hardy, K.G, "Building Customer Partnerships." Business Horizons, 1994,37,No.1,pp.24-28.
    [190]Mahmoud Manafi, Roozbeh Hojabri, Reza Gheshmi, Maryam Hassanzadeh, Somayeh Fotoohnejad. INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS. Institute of Interdisciplinary Business Research, NOVEMBER 2011 VOL 3, NO 7.
    [191]Malthouse, E.C., Blattberg, R.C. Can we predict customer lifetime value? Journal of Interactive Marketing,2005, Vol.19, No.1, pp.1-14.
    [192]Marshall, R. A., B. A. Palmer, and S. N. Wiesbart, "The Nature and Significance of the Agent-Policyholder Relationship," CLU Journal,1979,33 (January),44-53.
    [193]Maxim, Andrei, RELATIONSHIP MARKETING-A NEW PARADIGM IN MARKETING THEORY AND PRACTICE. Analele Stiinfice Ale Universitatii "Alexandru loan Cuza" din IASI, Stiinte Economice, v.56, p.287-300,2009.
    [194]McAlexander, J.H., Schouten, J.W. and Koenig, H.F., "Building brand community", Journal of Marketing,2002, Vol.66 No.1, pp.38-54.
    [195]McCallum, Richard J. and Wayne Harrison. "Interdependence in the Service Encounter." In The Service Encounter:Managing Employee/Customer Interaction in Service Businesses. Eds. John A. Czepiel, Michael R. Solomon, and Carol F. Surprenant. Lexington, MA:Lexington Books,1985,35-48.
    [196]McKenna, Regis. Relationship Marketing:Successful Strategies for the Age of eh Customer. Reading, MA:Addison-Wesley,1991.
    [197]McKim B, Hughes AM. "How to Measure Customer Relationship Management Success". J. Database Mark.2001,8(3):224.
    [198]Millar, F. E. and L. E. Rogers, "Relational Dimensions of Interpersonal Dynamics," in Interpersonal Processes:New Directions in Communication Research,1987, Vol.14, M. E. Roloff and G. R. Miller, eds. London:Sage Publications, Inc.
    [199]Mittal, Vikas and Jerome Katrichis, "Distinctions between New and Loyal Customers," Marketing Research,2000,12 (Spring),27-32.
    [200]Mohr, J., and Spekman, R.. Characteristics of Partnership Success:Partnership Attributes, Communication Behavior and Conflict Resolution Techniques. Strategic Management Journal,1994,15, pp135-152.
    [201]Monroe K. B.Pricing-making profitable decisions. McGraw-Hi 11,New York,1991.
    [202]Moorman, C., Zaltman, G., & Deshpande, R. Relationships between providers and users of market research:The dynamics of trust within and between organizations. Journal of Marketing Research,1992,29(3),314-28.
    [203]Moorman, Christine, Rohit Deshpande, and Gerald Zaltman, "Factors affecting trust in market research relationships." Journal of Marketing,1993,57(21 Jan):81-102.
    [204]Morgan R. M. and S. D. Hunt, "The commitment-trust theory of relationship marketing", Journal of Marketing, July 1994, pp.20-38.
    [205]Mulhern, F.J.Customer Profitability analysis:Measurement, concentration, and research directions:Journal of Interactive Marketing,1999,13(1),25-40.
    [206]Muniz, A.M. and O'Guinn, T.C., "Brand community", Journal of Consumer Research, 2001, Vol.27 No.4, pp.412-32.
    [207]Murphy, B. and R. Wang, "An evaluation of stakeholder relationship marketing in China", Asia Pacific Journal of Marketing,2006,18(1):7-18.
    [208]Murphy, B., P. Maguiness, C.H. Pescott, S. Wislang, J. Ma and R. Wang, "Stakeholder perceptions presage holistic stakeholder relationship marketing performance", European Journal of Marketing,2005,39(9/10):1049-1059.
    [209]Murstein, B. I., "The Stimulus-Value-Role (SVR) Theory of Dyadic Relationships," in Theory and Practice in Interpersonal Attraction, S. W. Duck, ed. London:Academic Press, Inc,1977.
    [210]Narver, John C. and Stanley F. Slater, "The Effect of a Market Orientation on Business Profitability," Journal of Marketing,1990,20 (October),20-35.
    [211]Naude P. and Buttle F. Assessing Relationship Quality. Industrial Marketing Management,2000,29(4), pp351-361.
    [212]Ndubisi, N.O., "Effect of gender on customer loyalty:a relationship marketing approach ", Marketing Intelligence & Planning,2006,24(1):48-61.
    [213]Ndubisi, N.O., "Relationship marketing and customer loyalty", Marketing Intelligence & Planning,2007,25(1):98-106.
    [214]Nematizadeh, S., A. Shahpanahi, "A review of the factors affecting customer loyalty: according to relationship marketing approach", Journal of Amir Kabir entrepreneurs,2007, 30:18-19.
    [215]Niraj, R., Gupta, M., & Narasimhan, C. Customer profitability in a supply chain. Journal of Marketing,2001 (July),65,1-65.
    [216]Odekerken-Schroder, Gaby, Kristof De Wulf, and Patrick Schumacher, "Strengthening outcomes of retailer-consumer relationships:The dual impact of relationship marketing tactics and consumer personality", Journal of Business Research,2003,56,177-190.
    [217]Oliver, Richard L., "A Cognitive Model of the Antecedents and Consequences of Satisfaction Decisions," Journal of Marketing Research,1980,17 (November),460-69.
    [218]Oliver, R.L., "Whence consumer loyalty", Journal of Marketing,1999, Vol.63 No.4, pp.33-44.
    [219]Osborne, Phil and David Ballantyne, The paradigmatic pitfalls of customer-centric marketing, Marketing Theory, June 2012 vol.12 no.2155-172.
    [220]Ostroff, F. and Smith, D., "The Horizontal Organization', McKinsey Quarterly, Winter, 1992,148-167.
    [221]Palda, K., Economic Analysis for Marketing Decisions, Englewood Cliffs:Prentice Hall,1969.
    [222]Palmatier, Robert W, Rajiv P. Dant, Dhruv Grewal, and Kenneth R. Evans, "Factors Influencing the Effectiveness of Relationship Marketing:A Meta-Analysis," Journal of Marketing,2006,70 (October),136-153.
    [223]Payne, A. (ed.), Advances in Relationship Marketing, Kogan,1995.
    [224]PFEIFER, P.E., "The Optimal Ratio of Acquisition and Retention Costs," Journal of Targeting, Measurement and Analysis for Marketing 13(2),179-188,2005.
    [225]Pitt, F.P., Ewing, M.T., & Berthon, P. Turning competitive advantage into customer equity. Business Horizons,2000, pp.11-18.
    [226]Prahalad CK, Ramaswamy V. The future of competition:Co-creatingunique value with customers. Boston:Harvard Business School Press, MA,2004.
    [227]Prahalad CK, Ramaswamy V. Co-creation experiences:the next practice in value creation. Journal of Interactive Marketing,2004,18(Summer):5-14.
    [228]Pruitt, D. G., Negotiation Behavior. New York:Ac-ademic Press, Inc,1981.
    [229]Parasuraman A. Reflections on gaining competitive advantage through customer value [J]. Journal of the Academy of Marketing Science,1997,25(2).
    [230]Parasuraman, A., Valarie A. Zeithaml, and Leonard L. Berry, "A Conceptual Model of Service Quality and Its Implications for Future Research," Journal of Marketing,1985,49 (Fall),41-50.
    [231]Parasuraman A., Zeithaml V. and Berry L. SERVQUAL:A Multiple-Item Scale for Measuring Consumer Perceptions of Service Quality. Journal of Retailing,1988,64(1), pp 12-40.
    [232]Parvatiyar, A. and Sheth, J., "Paradigm Shift in Marketing Theory and Approach:The Emergence of Relationship Marketing." In:(Eds) Sheth, J.N. and Parvitayar A., Relationship Marketing:Theory, Methods, and Applications. Atlanta, Centre for Relationship Marketing Conference Proceedings,1994.
    [233]PRAUDE, Valeriys and Elena SHALKOVSKA. Marketing Factors of Formation of Company's Customer Equity. Management of Organizations:Systematic Research,2009, 52(6),63-75.
    [234]PC Verhoef, B Donkers. Predicting customer potential value an application in the insurance industry. Decision Support Systems,2001,32:189-199.
    [235]PD Berger, NI Nasr.Customer lifetime value:Marketing models and applications[J].Journal of Interactive Marketing,1998,12(1):17-30.
    [236]Peppers, D. and Rogers, M, "A New Marketing Paradigm:Share of Customer, Not Market Share." Planning Review,1995,23, No.2 pp.14-18.
    [237]Peppers, Don and Martha Rogers. The One to One Future:Building Relationships One Customer at a Time. New York:Doubleday,1993.
    [238]Peppers, T. and Rogers, M., Enterprise One-to-One, New York:Doubleday,1997.
    [239]Persson, Andreas and Lynette Ryals, Customer assets and customer equity: Management and measurement issues. Marketing Theory December 2010 vol.10 no.4 417-436.
    [240]Porter, M.E. Competitive Advantage, Free Press, New York,1985.
    [241]Purchasing, "Complete Salesmanship:That's What Buyers Appreciate",1984(August), 59-66.
    [242]Ramirez R. Value coproduction:Intellectual origins and implications for practice and research. Strategic Management Journal,1999,20(1):46-65.
    [243]Ranjbaryan, B & M. Barari, "The impact of relationship marketing on customer loyalty: Comparing public and private banks", Journal of Business management,2009,1(2):83-100.
    [244]Reichheld, Frederick F. The Loyalty Effect:The Hidden Force Behind Growth, Profits, and Lasting Value, Boston:Harvard Business School Press,1996. ISBN 0-87584-448-0.
    [245]Reichheld, Frederick F. and W. Earl Sasser. "Zero Defections:Quality Comes To Service." Harvard Business Review,1990,68(September-October):105-11.
    [246]Reichheld, F.F. "Loyalty-based management", Harvard Business Review,1993,71,2, 64-72.
    [247]Reinartz and V. Kumar, "On the Profitability of Long Lifetime Customers:An Empirical Investigation and Implications for Marketing," Journal of Marketing,2000, 64 (October),17-35.
    [248]Reinartz, W. J., V Kumar.The Impact of Customer Relationship Characteristics on Profitable Lifetime Duration [J].Journal of Marketing,2003,67(1):77-99.
    [249]Richards, Keith A., Eli Jones. Customer relationship management:Finding value drivers. Industrial Marketing Management,2008,37,120-130.
    [250]Roberts, Keith, Sajeev Varki and Rod Brodie. Measuring the quality of relationships in consumer services:an empirical study. European Journal of Marketing,2003, Vol.37 Iss:l pp.169-196.
    [251]Robinson, P.J., Industrial Buying and Creative Marketing, Alwyn and Bacon,1967.
    [252]Roemer, E. A Typology of customer lifetime values in buyer-seller relationship. Journal of Strategic Marketing,2007, Vol.14, pp.441-457.
    [253]Roloff, M. E. and G. R. Miller, Interpersonal Processes:New Directions in Communication Research,1987, Vol.14. London:Sage Publications, Inc.
    [254]Rosenbaum, M.S., Ostrom, A.L. and Kuntze, R., "Loyalty programs and a sense of community", Journal of Services Marketing,2005, Vol.19 No.4, pp.222-33.
    [255]Rosenbaum, Mark S. and Wong, IpKin Anthony. Modeling customer equity, SERVQUAL, and ethnocentrism:A Vietnamese case study. Journal of Service Management, 2009,20 (5),544-560.
    [256]Rotter, J. B., "A New Scale for the Measurement of Interpersonal Trust," Journal of Personality,1967,35 (4),651-65.
    [257]Rust, R.T., Lemon, K.N. & Zeithaml, V.A. Where should the next marketing dollar go? Marketing Management,2001, pp.24-28.
    [258]Rust R.T., Lemon K.N., Zeithaml V.A.Return on Marketing:Using Customer Equity to Focus Marketing Strategy:Joumal of Marketing,2004,68(1):109-127
    [259]Rust R.T., Valarie A. Zeithaml, and Katherine N. Lemon, Driving Customer Equity: How Customer Lifetime Value Is Reshaping Corporate Strategy. New York:The Free Press, 2000.
    [260]Rust R.T., Lemon K.N., and Zeithaml V.A. Increasing Marketing Effectiveness:A Decision Support System for Building Customer EquIty, working paper, Robert H. Smith School of Business University of Maryland, College Park, MD,2002.
    [261]Rust, R. T, Lemon, K. N., & Narayandas, D. CE Management. Upper Saddle River, New Jersey:Prentice Hall,2004.
    [262]Rust, R.T. and Zahorik, A.J., "Customer satisfaction, customer retention, and market share", Journal of Retailing,1993, Vol.69 No.2, pp.193-215.
    [263]S Gupta,D Hanssens,B Hardie.W Kahn,V Kumar,N Lin,N Ravishanker.S Sriram. Modeling Customer Lifetime Value.Journal of Service Research,2006,9(2):139-155.
    [264]S.Pearson.How to Achieve Return on Investment from Customer Loyalty Parti Journal of Marketing Management,1994(10):571-579.
    [265]Schlenker, B. R., B. Helm, and J. T. Tedeschi, "The Effects of Personality and Situational Variables on Behavioral Trust," Journal of Personality and Social Psychology, 1973,25 (3),419-27.
    [266]Sewell, Carl and Paul B. Brown, Customers For Life, New York, NY:Doubleday Currency,1990.
    [267]Severt KS, Palakurthi R. Applying customer equity to the convention industry. International Journal of Contemporary Hospitality Management,2008,20(6):631-646.
    [268]Severt, Kimberly, Denver Severt and Radesh Palakurthi. Show Managers'Perceptions of Customer Equity in the Convention Industry. Journal of Quality Assurance In Hospitality & Tourism,10:113-138,2009.
    [269]Shao J.B. and Tang G., Customer equity promotion based on the measurement model with four-dimensional drivers:Application to mobile communication. [J] African Journal of Business Management,2011, Vol.5(14), pp.5887-5894.
    [270]Sharma, A. Strategies for maximizing customer equity of low lifetime value customers. Journal of Relationship Marketing,2006, Vol.5(1), pp.59-77.
    [271]Sherden, W. A. Market ownership:The art & science of becoming #1. New York: American Management Association,1994.
    [272]Sheth, Jagdish N. "Buyer-Seller Interaction:A Conceptual Framework," in Advances in Consumer Research, Vol.3, B. B. Anderson, ed. Cincinnati:Association for Consumer Research,1975,382-6.
    [273]Sheth, Jagdish N. "A Normative Model of Retaining Customers Satisfaction." Gamma News Journal,1994, (July-August):4-7.
    [274]Sheth, Jagdish N. and Rajendra Sisodia. "The Information Mall." Telecommunication Policy,1993, (July):376-89.
    [275]Sheth, Jagdish N. and Banwari Mittal. "A Framword for Managing Customer Expectations." Working paper No. CRM-WP-94-106. Center for Relationship Marketing, Emory University, Atlanta, GA,1995.
    [276]Sheth, J.N., Searching for a Definition of Relationship Marketing.3rd International Colloquium in Relationship Marketing, Monash University, Melbourne, Australia,1995.
    [277]Sheth Jagdish N. & Atul Parvatiyar, "Relationship Marketing in Consumer Markets: Antecedents and Consequences", Journal of the Academy of Marketing Science, Vol.23 issue 4, Fall 1995, pp:255-271.
    [278]Sheth, Jagdish N. and Atul Parvatiyar. "The Evolution of Relationship Marketing." Paper presented at the Sixth Conference on Historical Thoughts in Marketing, Atlanta,1993, May.
    [279]Sheth, Jagdish N. and Atul Parvatiyar. "Ecological Imperatives and the Role of Marketing." In Environmental Marketing:Strategies, Practice, Theory, and Research. Eds. Michael Jay Polonsky and Alma T. Mintu-Wimsatt. New York:Haworth,1995,3-20.
    [280]Sheth, J.N., Sisodia, R.,& Sharma, A. The antecedents and consequences of customer-centric marketing. Journal of the Academy of Marketing Science,2000, Vol.28, No. 1(Winter), pp.55-66.
    [281]Skiera Bernd. Bermes Manuel, Horn Lutz, "Customer Equity Sustainability Ratio:A New Metric for Assessing a Firm's Future Orientation", Journal ofJournal of Marketing Vol. 75(May)2011,pp118-131
    [282]Slater, S.F., Mohr, J.J., & Sengupta, S. Know your customers. Marketing Management, 2009, Vol.36 (January/February), pp.36-44.
    [283]Smith, Brock. Buyer-Seller Relationships:Bonds, Relationship Management, and Sex-Type. Canadian Journal of Administrative Sciences,1998,15(1),76-92.
    [284]Solomon, Michael R., Carol Surprenant, John A. Czepiel, and Evelyn G. Gutman, "A Role Theory Perspective on Dyadic Interactions:The Service Encounter," Journal of Marketing,1985,49 (Winter),99-111.
    [285]Spreng, Richard. A., Scott B. Mackenzie And Richard W. OLshavsky. A Reexamination of the Determinants of Consumer Satisfaction. Journal of Marketing,1996, 60(July),pp15-32.
    [286]Srivastava RK, Shervani TA, Fahey L. Market-based assets and shareholder value:a framework for analysis. J Mark 1998; 62:2-18 (January).
    [287]Stahl, Heinz K,, Kurt Matzler and Hans H. Hinterhuber, Linking customer lifetime value with shareholder value. Industrial Marketing Management,2003,32,267-279.
    [288]Stanton, William J. and Richard H. Buskirk, Management of the Sales Force,7th ed. Homewood, IL:Richard D. Irwin, Inc,1987.
    [289]Steiger, J. H. Structural model evaluation and modi(?)cation:an interval estimation approach. Multivariate Behavioural Research,1990,25,173-180.
    [290]Stephenson, Frederick J. and Richard J. Fox. "Corporate Attitudes Toward Frequent Flyer Programs." Transportation Journal,1987(Fall):10-22.
    [291]Storbacka, K. Segmentation based on customer profitability-retrospective analysis of retail bank customer bases. Journal of Marketing Management,1997,13,479-492.
    [292]Storbacka K., Strandvik T. and Gronroos C. Managing Customer Relationships for Profit:the Dynamics of Relationship Quality. International Journal of Service Industry Management,1994,5(5), pp21-38.
    [293]Su-Yeon Kim, Tae-Soo Jung.at el.Customer segmentation and strategy development based on customer lifetime value:A case study:Expert Systems with Applications.2006.101-107.
    [294]Sullivan, Michael P. "CEOs Are Asking About Declining Productivity in Marketing." The American Banker,1991, (January 7):4.
    [295]Sun, Heshan, Sellers'Trust and Continued Use of Online Marketplaces. Journal of the Association for Information Systems, April 2010, Volume 11, Issue 4, pp.182-211.
    [296]Sunghyup Sean Hyun, Creating a model of customer equity for chain restaurant brand formation, International Journal of Hospitality Management,2009,28,529-539
    [297]Suzanne Donner. What can customer segmentation accomplish? Bankers maganize, 1992,175(3/4):72-81
    [298]Swan, J. E., I. F. Trawick, and D. W. Silva, "How Industrial Salespeople Gain Customer Trust," Industrial Marketing Management,1985,14 (3),203-11.
    [299]Sweeney, J. C. and Webb, D., Relationship Benefits:An Exploration of Buyer-Supplier Dyads. Journal of Relationship Marketing,2002,1(2),77-91.
    [300]Swinth, R. L., "The Establishment of the Trust Relationship," Journal of Conflict Resolution,1967,11 (September),335-44.
    [301]Tabachnick B G., Fidell L S. Using multivariate statistics.5th ed. Needham Heights, MA:Allyn and Bacon,2007
    [302]Tan, A. S., Mass Communication Theories and Research. Columbus, OH:Grid Publishing, Inc,1981.
    [303]Tavakolijou, Mahsa, and Amir Albadvi. Factors influencing customer lifetime value In Iranian banks.3rd International Marketing management conference,21st to 22nd January 2009, Tehran, Iran.
    [304]Taylor, J. L. and A. G. Woodside, "Exchange Behavior Among Salesman and Customers in Natural Settings," in Buyer-Seller Interactions:Empirical Research and Normative Issues, P. H. Reingen and A. G. Woodside, eds. Chicago:American Marketing Association, Proceedings Series,1981.
    [305]Taylor, S.A., Hunter, G.L. and Lindberg, D.L., "Understanding (customer-based) brand equity in financial services", Journal of Services Marketing,2007, Vol.21 No.4, pp. 241-52.
    [306]Teas, R.K. and Agarwal, S., "The effects of extrinsic product cues on consumers' perceptions of quality, sacrifice, and value", Journal of the Academy of Marketing Science, 2000, Vol.28 No.2, pp.278-90.
    [307]Terry A. Britton., Diana Lasalle. Priceless:Turning Ordinary Products into Extraordinary Experiences. Harvard Business School Press,2003.
    [308]Thibaut, J. W. and H. H. Kelley, The Social Psychology of Groups. New York:John Wiley & Sons, Inc,1959.
    [309]The Boston Consulting Group, Perspectives on Experience, Boston, MA,1968.
    [310]Thomas, David R. The Critical Link Between Health-Related Quality of Life and Age-Related Changes in Physical Activity and Nutrition. Journal of Gerontology: MEDICAL SCIENCES,2001, Vol.56A, No.10, M599-M602.
    [311]Tuli, Kapil R., Sundar G. Bharadwaj, and Ajay K. Kohli, "Ties That Bind:The Impact of Multiple Types of Ties with a Customer on Sales Growth and Sales Volatility," Journal of Marketing Research,2010,47 (February),36-50.
    [312]Turnbull, P.W. and Cunningham, M.T., International Marketing and Purchasing, London:Macmillan,1981.
    [313]Turnbull, Peter W. and David T. Wilson. "Developing and Protecting Profitable Customer Relationships." Industrial Marketing Management,1989,18(August):233-8.
    [314]Ulaga, Wolfgang, "Capturing Value Creation in Business Relationships:A Customer Perspective," Industrial Marketing Management,2003,32,677-93.
    [315]VA Zeithaml.Consumer Perceptions of Price, Quality, and Value:A Means-End Model and Synthesis of Evidence. Journal of Marketing,1988,52(July):2-22.
    [316]Vargo, Stephen L. and Robert F. Lusch. Evolving to a New Dominant Logic for Marketing. Journal of Marketing,2004,68 (January):1-17.
    [317]Vargo, S. L. and Lusch, R. F., Service-dominant logic:continuing the evolution. Journal of the Academy of Marketing Science,2008, Vol.36 No 1:1-10.
    [318]Vavra, Terry G., Improving Your Measurement of Customer Satisfaction. Milwaukee: ASQ Quality Press,1997, pp.6-8.
    [319]Vaughn, Richard. How advertising works:A planning model revisited. Journal of Advertising Research,1986, Vol.26(1):57-66.
    [320]Verhoef, Peter C., "Understanding the Effect of Customer Relationship Management Efforts on Customer Retention and Customer Share Development." Journal of Marketing, 2003,67 (4):30-45.
    [321]Villanueva, J., and Hanssens, D.M. Customer equity:measurement, management and research opportunities. Foundations and Trends in Marketing,2007, Vol.1, No.1, pp.1-95.
    [322]Vogel, Verena, Heiner Evanschitzky, and B. Ramaseshan.Customer equity drivers and future sales[J]. Journal of Marketing,2008,72 (November),98-108.
    [323]V Kumar, Denish Shah. Expanding the Role of Marketing:From Customer Equity to Market Capitalization. Journal of Marketing,2007, Vol.73:119-136.
    [324]Vogel, Verena, Heiner Evanschitzky, and B. Ramaseshan, "Customer equity drivers and future sales," Journal of Marketing,2008,72 (November),98-108.
    [325]Wackman, Daniel B., Charles T. Salmon & Caryn C.Salmon "Developing an Advertising Agency-Client Relationship", Journal of Advertising esearch,1986, Vol.26 No.6, December/January, pp.21-28.
    [326]Walter A, Ritter T, Gemu'nden HG Value creation in buyer-seller relationships. Theoretical considerations and empirical results from a supplier's perspective. Ind Mark Manage 2001; 30:365-77.
    [327]Wang, S. and Lo, L. Chinese Immigrants in Canada:Their Changing Composition and Economic Performance. Toronto:Centre of Excellence for Research on Immigration and Settlement,2004.
    [328]Webster, Frederick E. Jr. The Changing Role of Marketing in the Corporation. Journal of Marketing,1992 Oct, Vol.56, No.4, pp.1-17
    [329]Werner Reinartz, Jacquelyn S. Thomas and V Kumar. Balancing Acquisition and Retention Resources to Maximize Customer Profitability. Journal of Marketing,2005, Vol.69 (January):63-79.
    [330]Westbrook, Robert A., "Sources of Consumer Satisfaction With Retail Outlets," Journal of Retailing,1981,57 (Fall),68-85.
    [331]Wiesel, Thorsten, Bernd Skiera, and Julian Villanueva, "Customer Equity:An Integral Part of Financial Reporting," Journal of Marketing,2008,72 (April),1-14.
    [332]Wiener, J. L. and J. C. Mowen, "Source Credibility:On the Independent Effects of Trust and Expertise When Attractiveness is Held Constant," Working Paper 85-3, Oklahoma State University,1985.
    [333]Williamson, Oliver E., "Transaction Cost Economics:The Governance of Contractual Relations," Journal of Law and Economics,1979,22 (October),3-61.
    [334]Williamson, "Credible Commitments:Using Hostages to Support Exchange," American Economic Review,1983,73 (4),519-40.
    [335]Wilson, David T., "Dyadic Interactions," in Consumer and Industrial Buying Behavior, A. G. Woodside, J. N. Sheth, and P. D. Bennett, eds. New York:North-Holland Publishing Company,1997,355-66.
    [336]Wilson, David T. and Jantrania, Swati. Understanding the Value of a Relationship, Asia-Australia Marketing Journal,1996,2(1):55-66.
    [337]Wong, IpKin Anthony, Exploring customer equity and the role of service experience in the casino service encounter. International Journal of Hospitality Management. Volume 32, March 2013, Pages 91-101.
    [338]Woodruff, R. B., "Customer value:the next source for competitive advantage", Academy of Marketing Science. Journal,1997, Vol.25, Iss.2, pp.139-153.
    [339]Woodside, A. G. and J. W. Davenport, Jr., "The effect of salesman similarity and expertise of consumer purchasing behavior," Journal of Marketing Research,11 1974, pp.198-202
    [340]Wray, B., Palmer, A. and Bejou, D., "Using neural network analysis to evaluate buyer-seller realtionships", European Journal of Marketing,1994, Vol.28 No.10, pp.32-48.
    [341]Yonggui Wang, Hing Po Lo, Renyong Chi, Yongheng Yang. An integrated framework for customer value and customer-relationship-management performance:a customer-based perspective from China. Managing Service Quality,2004, Vol.14 Iss:2 pp.169-182.
    [342]Zeithaml, Valarie A., "How Consumer Evaluation Processes Differ Between Goods and Services," in Marketing of Services, J. H. Donnelly and W. R. George, eds. Chicago: American Marketing Association,1981,186-90.
    [343]Zeithaml, V. Consumer perceptions of price, quality and value:A means-end model and synthesis of evidence. Journal of Marketing,1988, July,52,2-22.
    [344]Zeithaml, V.A., Bitner, M.J. and Gremler, D.D., Services Marketing:Integrating Customer Focus Across the Finn,4th ed., McGraw-Hill, New York, NY,2006.
    [345]Zhang, Kaifu, Theodoros Evgeniou, V. Padmanabhan and Emile Richard, Content Contributor Management and Network Effects in a UGC Environment. Marketing Science May/June 2012 vol.31 no.3433-447.
    [346]Zubcsek, Peter Pal, Miklos Sarvary, Advertising to a social network. Quantitative Marketing and Economics, March 2011, Volume 9, Issue 1, pp 71-107.
    [347]白长虹、廖伟:《基于客户感知价值的客户满意研究》[J].南开学报,2001(6):14-20
    [348]陈明亮,李怀祖.客户价值细分与保持策略研究[J].现代生产与管理技术,2001,18(4):23-27.
    [349]陈明亮.客户生命周期模式研究[J].浙江大学学报(人文社会科学版).Vo1.32,No.6Nov.2002
    [350]陈明亮.客户全生命周期利润预测方法的研究[J].科研管理,2003,24(4):103-109.
    [351]陈明亮.客户忠诚与客户关系生命周期[J].管理工程学报,2003,17(2):90-93.
    [352]仇新忠,客户资产价值理论在金融服务中的运用[J].时代金融2008年11期,56-58
    [353]范应仁.基于CRM的客户资产管理问题研究[J].数量经济技术经济研究.2003,4:109-112
    [354]冯根尧.从CRM到CEM[J].现代管理科学,2004,(10):26-28.
    [355]菲利普·科特勒,洪瑞云,梁绍明,等.市场营销管理[M].北京:中国人民大学出版社,1997.
    [356]侯杰泰,温忠麟,成子娟.结构方程模型及其应用.北京:教育科学出版社,2004
    [357]黄芳铭.结构方程式:理论与应用.北京:中国税务出版社,2004
    [358]李志刚.客户关系营销理论与应用[M].机械工业出版社,2006.
    [359]刘人怀、姚作为.关系质量研究述评[J].外国经济与管理.2005,1:27—33.
    [360]荣泰生.AMOS与研究方法.重庆:重庆大学出版社,2009
    [361]齐佳音,舒华英,客户价值评价、建模及决策:北京邮电大学出版社,北京,2005
    [362]李培,客户资产的驱动因素及增值研究[C].吉林大学硕士学位论文,2008
    [363]李梅,刘伟.现代企业的客户资源管理[J].武汉理工大学学报.2002(6):108一110
    [364]李怡,我国银行业CRM系统的应用现状及对策研究,知识经济,2012(17):87
    [365]刘建新,陈雪阳.客户资产的形成机理与增值策略[J].商业经济与管理.2005,3:42-49
    [366]牛正乾.客户资产经营.www.emkt.com.cn.2002.1.25.
    [367]邱皓政.结构方程模式——LISREL的理论、技术与应用.台北:双叶书廊图书公司,2003
    [368]邱皓政.结构方程模式.台北:双叶书廊有限公司,2005
    [369]谭跃雄,周娜.基于动态客户保持的企业客户生命周期价值模型研究[J].管理科学,2004年第06期.
    [370]王永贵,客户关系活动、关系质量与客户资产的关系研究[J].经济管理,2005年24期,40-46
    [371]王文铭、胡荟,论商业银行CRM的实施[J].经济研究导刊,2011(20):106-107
    [372]汪涛.以客户资产为核心的企业战略规划[J].管理学报.2005,2:66-70
    [373]汪涛、徐岚(2002),《客户资产的构成与测量》,《经济管理》,24:48-52
    [374]汪纯孝,韩小芸,田金梅客户资产管理[J].商业经济文荟.2002,2:33-35
    [375]吴森.交易营销和关系营销的演化和兼容[J].经济管理,2002,10:41-45
    [376]吴勇毅,王金宝.从品牌资产转向客户资产[J].品牌战略.2002,10:42-43
    [377]吴明隆.SPSS统计应用实务.北京:中国铁道出版社,2000
    [378]吴明隆.结构方程模型一—AMOS的操作与应用.重庆:重庆大学出版社,2009
    [379]肖景涛、高婷,商业银行客户资产测量模型的改进及实证研究[J].现代商业,2011年2期,26
    [380]徐伟青,客户资产的最新研究进展和未来研究展望[J].科研管理,2008.29(2):p.172-178.
    [381]邵景波;张明立;国外客户资产测量模型研究及启示[J].中国软科学,2006年第4期
    [382]邵景波;唐桂;张明立;客户资产测量模型的改进及其在服务业中的应用[J].中国软科学,2010年第5期
    [383]谢守祥,骆涛涛.CRM的客户生命周期价值与测度方法探讨[J].现代管理科学,2007年第8期.
    [384]杨龙,王永贵.客户资产价值及其驱动因素剖析[J].管理世界,2002(6):146-147
    [385]严博,邵培基,基于信用因素的客户生命周期价值研究[J].电子科技大学学报(社科版),2006,Vol 8,No4
    [386]易丹辉.结构方程模型——方法与应用.北京:中国人民大学出版社,2008
    [387]于坤章,谢峰.客户资产的实质与特性[J].湖南大学学报(社会科学版).2005,(1):53-57
    [388]曾五一,黄炳艺.调查问卷的可信度和有效度分析.统计与信息论坛,2005,Vo1.20(6):11-15
    [389]郑灿雷,李飞.客户流失的相关理论探析[J].江苏商论,2007(3):28-30.
    [390]周光强,周黎,黄建中.我国商业银行客户资产管理研究一提升核心竞争能力的新途径[J].武汉金融,2002(10):10-12
    [391]周黎,周光强,许春玲,黄建中.客户资产管理理论研究动态及若干问题探讨[J].理论月刊,2003(9):149-151
    [392]张涑贤;苏秦;宋永涛;崔艳武;认证机构服务质量对关系质量影响实证研究[J].科研管理,2011年03期,43-49
    [393]张国方,金国栋.CRM(客户关系管理)的应用与理论研究综述[J].科技进步与对策,2003,20(3):176-179.
    [394]张严,顾客生命周期视角的顾客资产管理[J].重庆科技学院学报(社会科学版),2010(7):81-83,87
    [395]郑玉香,客户资产价值管理[M].北京:中国经济出版社,2006
    [396]周镭,客户资产的研究现状及存在问题[J].经济师,2004,1:11-12
    [397]周晓敏,胡悦,张东.企业的客户价值评价指标体系的构建[J].河北工业大学学报,2004,33(3):81-86.

© 2004-2018 中国地质图书馆版权所有 京ICP备05064691号 京公网安备11010802017129号

地址:北京市海淀区学院路29号 邮编:100083

电话:办公室:(+86 10)66554848;文献借阅、咨询服务、科技查新:66554700