{"id":79663,"date":"2018-03-09T23:25:30","date_gmt":"2018-03-09T23:25:30","guid":{"rendered":"https:\/\/www.deberes.net\/tesis\/sin-categoria\/caractera%c2%adsticas-e-impacto-de-un-modelo-de-rentabilidad-de-clientes-sobre-la-direccion-comercial-en-la-banca-minorista\/"},"modified":"2018-03-09T23:25:30","modified_gmt":"2018-03-09T23:25:30","slug":"caractera%c2%adsticas-e-impacto-de-un-modelo-de-rentabilidad-de-clientes-sobre-la-direccion-comercial-en-la-banca-minorista","status":"publish","type":"post","link":"https:\/\/www.deberes.net\/tesis\/ciencias-economicas\/caractera%c2%adsticas-e-impacto-de-un-modelo-de-rentabilidad-de-clientes-sobre-la-direccion-comercial-en-la-banca-minorista\/","title":{"rendered":"\u00abcaracter\u00edsticas e impacto de un modelo de rentabilidad de clientes sobre la direcci\u00f3n comercial en la banca minorista\u00bb"},"content":{"rendered":"<h2>Tesis doctoral de <strong>  De Carlos Mart\u00edn-lagos Francisco De Borja <\/strong><\/h2>\n<p>Resumen tesis base de datos teseo  \u00abcaracteristicas e impacto de un modelo de rentabilidad de clientes sobre la direccion comercial en la banca minorista\u00bb  francisco de borja de carlos mart\u00edn-lagos  esta tesis dise\u00f1a un modelo conceptual de valoraci\u00f3n de clientes (m.V.C.) que incluye todas las variables significativas para la medici\u00f3n del valor del cliente en banca minorista y permite apoyar las decisiones de gesti\u00f3n comercial. Se trata de un modelo cuantitativo dirigido a estimar el valor aportado por cada cliente en base a variables econ\u00f3mico financieras, para lo cual integra en su desarrollo la visi\u00f3n rentabilidad versus riesgo, de forma que la medici\u00f3n de valor se realiza considerando no s\u00f3lo la aportaci\u00f3n del cliente a la entidad a lo largo de su vida sino tambi\u00e9n el nivel de riesgo asumido con cada uno de ellos.  el m.V.C. Fundamenta su desarrollo en dos par\u00e1metros que definen esta concepci\u00f3n de valor y que determinan su dise\u00f1o como son:  \u00bb  rentabilidad actual aportada por el cliente: definici\u00f3n de los par\u00e1metros que conforman  el sistema de rentabilidad de clientes en banca como punto de partida de la valoraci\u00f3n del cliente.  \u00bb  la relevancia futura o valor de negocio del cliente, verdadero eje del m.V.C. Pues incorpora los conceptos que permiten estimar la aportaci\u00f3n de valor del cliente fruto de su relaci\u00f3n duradera con la entidad. Apoyado en el m\u00e9todo de descuento de flujos de caja, de su formulaci\u00f3n destacan tres elementos que son los que van a marcan el desarrollo del m.V.C. Y de la tesis como son la definici\u00f3n y estimaci\u00f3n de los flujos de caja y su patr\u00f3n de comportamiento a medio plazo, el ciclo de vida medio del cliente y la tasa de descuento a trav\u00e9s de la definici\u00f3n de la \u00abbeta del segmento\u00bb obtenida del an\u00e1lisis de sensibilidad de la banca minorista a los factores de riesgo que la afectan.  de forma general los resultados derivados de la aplicaci\u00f3n de los par\u00e1metros del modelo sobre<\/p>\n<p>&nbsp;<\/p>\n<h3>Datos acad\u00e9micos de la tesis doctoral \u00ab<strong>\u00abcaracter\u00edsticas e impacto de un modelo de rentabilidad de clientes sobre la direcci\u00f3n comercial en la banca minorista\u00bb<\/strong>\u00ab<\/h3>\n<ul>\n<li><strong>T\u00edtulo de la tesis:<\/strong>\u00a0 \u00abcaracter\u00edsticas e impacto de un modelo de rentabilidad de clientes sobre la direcci\u00f3n comercial en la banca minorista\u00bb <\/li>\n<li><strong>Autor:<\/strong>\u00a0  De Carlos Mart\u00edn-lagos Francisco De Borja <\/li>\n<li><strong>Universidad:<\/strong>\u00a0 Pontificia comillas<\/li>\n<li><strong>Fecha de lectura de la tesis:<\/strong>\u00a0 25\/04\/2006<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Direcci\u00f3n y tribunal<\/h3>\n<ul>\n<li><strong>Director de la tesis<\/strong>\n<ul>\n<li>Cecilio Moral Bello<\/li>\n<\/ul>\n<\/li>\n<li><strong>Tribunal<\/strong>\n<ul>\n<li>Presidente del tribunal: \u00e1ngel Berg\u00e9s lobera <\/li>\n<li>Jos\u00e9 Luis Montes botella (vocal)<\/li>\n<li> Sesto pedreira Manuel Antonio (vocal)<\/li>\n<li>margarita Prat rodrigo (vocal)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tesis doctoral de De Carlos Mart\u00edn-lagos Francisco De Borja Resumen tesis base de datos teseo \u00abcaracteristicas e impacto de un 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