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摘要：本文是一篇市场营销留学论文。当今世界，全球化和多样化已经成为其主要特点。在全球化贸易中，客户和消费者都接受过良好的教育，见多识广，消息灵通。这在一定程度上增加了公司和组织之间的竞争。竞争提升了客户的议价能力和交换能力，能更高效更快速地选择最好的产品和服务。本文简要分析时代竞争中客户关系的特点和影响力。

enham and Gloucester Building Society in 1995. The Revd. Henry Duncan of Ruthwell, Dumfriesesshire had been founded the primary Trustee Saving Bank (TSB) in 1810. In 1985 the TSB Group was incorporated under the Companies Act. In 1995 the establishment of the up to date bank was declared. And in 1998, following the legislative process of incorporation had been finished Lloyds TSB commenced trading.

Three Scottish branches of Lloyds were absorbed into TSB Scotland. That had remain detach to TSB Bank within England and Wales. In 1991 TSB Northern Ireland was disposed to Irish Banks prior to merger. The bank do not have a existence in the region consequently. In 1992 TSB Channels Islands was integrated in to TSB Bank. In 1996 Lloyds Bank International merged into Lloyds Bank. While there was no longer any advantage in functioning individually.

In 2000 this group acquired the Scottish Widows Fund and Life assurance Society.

Lloyds Offshore Limited, a entirely owned secondary of Lloyds Banking Group, operates brances in Jersey, Guernsey and the Isle of Man, although Lloyds Banking Group (Gibraltar) Limited operates in Gibraltar, both deal as Lloyds TSB international.

Present situation of the company

The Financial Services Authority has given authorisation and regulation to Lloyds banking Group. Lloyds Banking Group is a member of the Financial Ombudsman Services, the Association for Payment Clearing Services, the Financial Services Compensation scheme and the British Bankers Association. It subscribes to the banking Code and Business Banking Code.

Lloyds Banking Group provides mortgages in England and Wales are administrated by Cheltenham & Gloucester Plc. Lloyds TSB Scotland and Cheltenham & Gloucester are constituent of the Council of Mortgage Lenders. On the other hand C&G are truly savings asset in Lloyds Banking Group. In 2009, it was announced that Lloyds TSB Scotland counting extra branches of Lloyds TSB England and Wales are to be divest by Lloyds Banking Group beneath the TSB brand, jointly with branches (though not the name) of C&G. the process could take up to 4 years to complete.

Lloyds Banking Group is a dynamic banking group. On the one hand, retail and commercial banking are operates by this group. Lloyds Banking Group offering account management for business and private individuals, asset management, debit and credit cards and even mortgage loans with the help of C&G. on the other hand, Lloyds Banking Group has been established outstanding efficiency in insurance sector through Scottish Widows. In the field of insurance Lloyds Banking Group offering life insurance, pensions, investment funds, general insurance (like car, house, and travel). Lloyds Banking Group has 2200 branches in Great Britain. And it also has locations in Asia and Europe.

As Zineldin (1995) said 2Relationship marketing is becoming important in financial services in 1990s”. And Customer Relationship Management is a very new idea in financial sector. But Lloyds Banking Group has already developed an enhanced model of Customer Relationship Management. It including the real time delivery of detailed customer in本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。