How To Open Up The High - End Customer Base Of China Merchants Bank Qingdao Branch

Along with the steady implementation of the interest rate liberalization and the entering of foreign banks, the competition in financial markets is becoming more and more fierce. In addition to the competition from domestic and foreign banking industry, banks are also suffered the competition from other non-bank financial institutions, such as, the competition from the third party payment platform, and the competition from direct capital markets. Our domestic banking industry will inevitably be impacted by the competition from these factors.China merchants bank has achieved rapid development and outstanding performance by relying on excellent service, innovation management and unique operating style in the industry. But China merchants bank also has its disadvantages and shortcomings, in China it will inevitably be impacted by the path of the liberalization and internationalization. Interest rate liberalization will greatly reduce the traditional business income Qingdao China merchants bank. And the entry of foreign banks will rob now domestic banks’high-level customers in China. Because foreign banks are famous for its high quality customer service, flexible, rich product design and developed in the middle business. In addition, Qingdao is a coastal open port city, and it is the first target market for each big foreign bank to enter to. Qingdao China Merchants Bank has always been to create high-level customer bank. It must be well prepared to deal with the entry of foreign capital banks.Therefore, this article put the China Merchants Bank of Qingdao branch as the research object. It introduces the classification of high-level customers and its management measures of Qingdao China merchants bank in detail. This article also introduces the SWOT of China Merchants Bank of Qingdao branch, combined with geographical environment, market environment and other practical issues of Qingdao, to find out the development opportunities and problems of China Merchants Bank of Qingdao branch in the future. This article also combines with "two, eight" theory and "4Cs marketing theory", introduced why to develop" high-leveled customers. Finally, according to the survey data released by China merchants bank and Bain&company, we understood the standard of high-level customers who choose wealth managements. And according to these criteria, I put forward the method of developing high-level customers.