Dalian A Bank Personal Banking Customers Classification System Optimization

With the deepening of economic restructuring, the rapid development of financial and economic, commercial banks also began competing business development funds. Gradually more and more people had a personal financial interest, especially those who gathered a lot of wealth in the hands of a businessman. So retail business emerged as a major commercial banks currently profit point, and because of great prospects favored by many financial institutions. But it also brings a lot of problems, because in the past the retail business does not appear how many traditional financial services companies have a great impact on the financial category management has gradually lost its original boundaries, often appear as banking, insurance and securities hybrid business. So they began to follow the trend of the line, follow the trend of the market to have personal financial aspects of the retail business, increasing competition in this area.Dalian has a unique approach to development A bank, founded in reform and opening up, into more than a decade of hard work, slowly becoming a size and strength of both the commercial bank. A bank with sound operation of Dalian is known, while banks Dalian regional economic integration throughout the evolving nature of the personal finance business continues to innovate, has made great achievements. They used an accurate analysis of customer data to complete the classification of customers ’personal financial management, data and information provided by the client, combined with the customer’s natural attributes, through the analysis tool to achieve the handling of customers’ personal wealth management services. In this way by many customers, so Dalian Bank A constantly improving throughout the Dalian market influence and social influence, of course, enjoys a reputation and praises are many.Here is how to Dalian Bank A specific personal banking customers build their classification system:personal financial services to fully take into account factors such as the nature of each client to achieve personalized banking services. Advanced data warehouse technology according to the customer demand for them in the various business segments, and Bank staff can refer customers are located, master fixed customer base of investment and wealth management direction and provide them with reasonable and effective choice at the same time, the bank itself is also clear corresponding to the direction of sales, so that it can formulate a reasonable sales strategy. This article will be anchored in Dalian Bank A to identify the characteristics of the actual development to meet Dalian route, highlighting a customer classification, data warehouse, personal finance customer classification systems and other related theoretical knowledge and system operation; Second, the analysis of the current personal financial services state of development; Third, research customer classification management model, to find a suitable development path; Fourth, the data warehouse technology into personal finance customer classification system and is responsible for handling problems that may occur late. Proven, personal finance customer classification systems for specific customers with personalized service is very efficient, has great advantages, on the banks had a great benefit, it can ensure that labor and capital are unchanged in the case of such the increasing number of customers, and retail banking in client assets also increased significantly.Through this analysis combing hope to achieve the following objectives:a large number of customers in accordance with customer classification personality traits will make banks as a basis for designing appropriate financial services and portfolio of commercial banks to increase the breadth and depth of the wealth management business. Allow banks classified in the personal banking customers to be innovative; make banks more service-oriented, and constantly improve their own competitiveness.