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ABSTRACT: For a bank it is advantageous to have different types of clients because, as will receive deposits and provide loans for both business and individuals. The difference between the interest charged by banks and they are paid gross banking profit, following recovery, by the bank, business development potential offered by customers, resulting in advantages for both bank and customer. Customer benefits can be considered: the safety of deposits held at banks; interest received for them; that the money held in bank accounts can be returned at any time upon request; transfers of money to them, instead of wearing them large sums of cash.
KEY WORDS: customer; bank; categories; type; banking account.
JEL CLASSIFICATION: G29; G21.
1. INTRODUCTION
In 1950 occurred the so-called "customer orientation", which meant focusing on requirements. Main concern was directed to identify customer needs and desires, such as companies come to meet them at the highest level of satisfaction of their needs. This change of perspective, belongs to the famous economist Philip Kotler, considered the father of modern marketing, which says that the new marketing must be "human activity directed towards meeting the needs and wants through exchange process in relation to market" (Kotler, 1986, pp. 4-5).
The concept argues that the key achievement by an organization, its objectives, is to determine the needs and desires clients, targeted and expected satisfaction in providing a better and more quickly than the competition.
The year 1950 is when introducing this concept in banking, with the tertiary sector development - sector of the Service. The marketing has come to learn many things about the client.
Client - a possible definition Customers are those who tum to bank services, but first you need to be known more closely. A customer is a person or entity receiving or benefiting from the bank, and who uses a company or banking institution to change currency. The customer is one who has a bank account.
"Customers are bank depositors, who entrust their money, banking facilities, for storage and fruiting, for which they receive interest and applicants or those who need temporary, some additional money for paying interest or commission" (Pîrvu, 2004, p. 31).
There is no established definition of "client", but can be but few details about customers...