研究結果發現，(1)關係行銷模式確實有助提昇員工跨售意願，但良好的關係品質對於績效提昇並不顯著，而不良的關係品質確是跨售績效不佳的主要原因。(2)完善的教育訓練應掌握人員學習均值及應用狀況，同時訂定合理的目標及激勵措施，將有助提昇跨售績效。(3)人員具備良好的專業技能、服務熱忱，能提供基礎的顧客購買經驗，減少「不滿意的顧客忠誠度」發生；如能增加為顧客解決問題及應用的能力，將可藉由「滿意的顧客忠誠度」形成「口碑行銷」為企業創造獲利。 The study primarily aims to examine the correction of relationship marketing to distribution development through empirical study by conducting in-depth interviews with the five enterprise units of branch operations, consumer loans, insurance, securities and corporate finance under the case financial holding company to discern how the relationship marketing and quality influence the desire of the sales personnel, how incentive factors and education training influence the sales performance and how the cross-selling impact the customer satisfaction and loyalty. The thesis intends to devise recommendations on how best to reduce the operating cost and excel the corporate profitability by excelling the employees’ professional aptitude, achieving distribution collaborations, expanding the financial and economic scale and scale of economy, and to present a cross-selling management model for financial holding companies or large corporate groups that would provide a reference base to future academic studies and in practical business administration.
The study findings reveal: (1) The relationship marketing model can indeed excel the employee’s cross-selling desire, but fine relationship quality does not ominously improve the performance, while poor relationship quality remains a major cause to poor cross-selling performance. (2) A comprehensive education training should grasp the personnel’s median learning and state of application, together with rational objectives and incentive measures drafted at the same time, which would be conducive to enhancing the cross-selling performance. (3) The personnel’s commanding fine professional skills and service enthusiasm can provide the customer with rudimentary purchasing experience to minimize the occurrence of “dissatisfied customer loyalty”, and the ability to add customer problem-solving and application capability can transform “satisfied customer loyalty” into “word-of-mouth marketing” that contributes to corporate earnings.