Research On The Development Strategy Of Trading Bank Of Taizhou Branch Of Bank Of Communications

In recent years, our country social economy obtained the rapid development,trade circulation industry has increasingly become the basic and leading industry ofthe national economy。Speed up the development of trade circulation industry,expanding domestic demand, stimulating consumption, has become one of the mainmeasures of promoting China’s rapid economic growth。But on the whole, tradecirculation industry development in our country is still in the stage of extensivedevelopment and high transaction cost, low development efficiency problemincreasingly become prominent。Finance is the core of modern economy, and thecommercial bank as to meet the need of social and economic development and form akind of financial organization, can adjust the deposit and lending rates, throughregulating the market currency supply and realize the transfer between differentdepartments, different industries, in promoting our country economy rapid, sustainedand healthy development of play a decisive role。After Eighteen of the NationalPeople’s Congress, As the national strategic adjustment of economic structure,changes in the development of the pattern of economic development, our countryeconomy to good foundation stable gradually, the domestic economy will bemoderate growth trend, for commercial Banks to trade flow-through businessdevelopment provides a good foundation。But, as the domestic and foreign commercial Banks in the Chinese marketincreasingly fierce competition, our country commercial bank is facing anunprecedented challenge stage and the strategic development opportunity。At present,the domestic commercial Banks relative to foreign Banks in the financial productdesign, service process, the concept of customer relationship management (CRM) iscomparatively backward, etc。 How to stabilize the domestic market, Chinesecommercial Banks and foreign markets, is currently the most urgent problems。In theincreasingly intense market competition environment, China’s commercial Banksneed to update the traditional management idea, to change the development mode tomeet the challenge. While the customer is the rapid development of commercial bank, to participate in the competition, the fundamental source of profit for。Loyal andstable customer group is the key to commercial bank competition to win。So, thispaper mainly studies how bank of communications taizhou branch develop thisgroup of the trade flow-through customers as the breakthrough point, hope thatthrough study in retail customer relationship management (CRM), bank ofcommunications taizhou branch trade flow-through as well as the problems existingin the development of customer development strategy, and put forward the feasibilityof the concrete solution, form the theoretical basis and guidance to develop opinionshow to develop good trade flow-through customers for the bank of communicationstaizhou branch。This article first introduced the selected topic background and research purposeand meaning, through to the domestic and foreign commercial bank customerrelationship management concept, connotation, main research results and practicalapplication, mainly comparatively analyzed the similarities and differences of theresearch of domestic and foreign commercial bank customer relationshipmanagement (CRM), Then, this paper introduced the domestic and foreigncommercial Banks trade flow-through customer development and the main pointbranch customer flow-through development present situation, trade developmentpresent situation of the bank of communications taizhou has carried on the empiricalanalysis, Then, focused on trade problems of flow-through customer development andmanagement, and policy support from development, customer marketing strategy,product innovation and service process management, risk prevention and control,examination evaluation system and so on six aspects of the bank of communicationstaizhou branch, which has carried on the thorough analysis, Then, analyzed the reasonof the existing problems, and proposed the corresponding solution and innovativedevelopment suggestions。Finally, the paper introduced the main conclusion further,and the problems, as well as, the prospects of the trade flow-through customerdevelopment of the bank of communications taizhou branch were discussed。...