The Research On Group Customer Identify And Realization Of Management System In The Commercial Bank

The business of group is new profits growth for the commercial banks, because of the characteristics of group such as the complexity of organization structure, financing diversification, the concealment of related party transactions, the opacity of information, the risk of the group's business be hard to guard against and control. The risk of group customers appear continuously and huge influence, the commercial banks have to make the risk problem of group to re-examine, from unified management to fine and difference management step by step, and improve management level of group customer relationship, and guard against risk, and provide a fine and difference management. For this reason, the commercial banks have to real master the relationship and business of the group customers, and follow variety of group customers in time, establishment effective mechanism to identify and manage the group customers, to build define rules and dynamic maintenance process of group customer relationship as soon as possible, provide an information platform for share and feedback to customer manager and governor, it can provide support and guarantee to fine management to group customers.This dissertation focuses on how to define the group customers and research the recognition rules based on the research results of banking industry at home and abroad, and we practice in the commercial bank, realize the embryo tree of customer relationship, establish the mechanism to distinguish and dynamically manage group customers based on the definitely relationship of the group customers. We designed a DATAMART to manage the data of the business to group customers by the technology of Data Warehouse and OLAP. Based on the DATAMART the commercial banks can extract the information of customers from business systems. They can identify group customers, and relationship management, regular business management, risk management, benefit analysis, etc. They can master and monitor the customer's information; they can provide the different service to customers. At the same time they can improve the level of risk early warning and risk prevention and finally promote the fine and standardized management of the group business.