A Branch Of China CITIC Bank Mobile Banking Business Marketing Straegy Research

In twenty-first Century, the rapid growth of mobile communication technology, all aspects of social life are fast technology shock. The rapid growth of China’s banks is also inseparable from the mobile communication technology, in the past few years, dozens of banks launched the electronic banking as a gimmick to attract customers, which explore new era of China’s commercial banks in the city. The promotion of intelligent mobile phone to the rapid growth of mobile phone banking has laid solid foundation, self-service business in the mobile phone banking concept has gained. Mobile phone bank not only to customers convenient, without the limits of time and space and the bank improves the quality of service to save enough manpower and material resources. Therefore, mobile banking service model is the bank and customer readily accepted. The article research of CITIC Bank A branch banking mobile phone sales strategy, make readers more in-depth understanding of the current situation and problems of mobile phone banking, development opportunities and challenges.The article pointed out the current situation and problems of China CITIC Bank branch a phone bank, expounds the macro environment of CITIC Bank a branch of mobile banking is economy, policy, technology and social environment; micro environment the ability of the enterprise, industry and customer; their product upgrading, operating principles and sales strategy. At the same time, the article also points out that creative attention of potential customers, expand the user base. Here refers to the potential users of high school students to study. The students are willing to try new things, so very good things to accept this kind of mobile phone bank. They have a high degree of credit, frequent transactions, and influential, a private, more will follow. Indeed lower their transaction volume, but what we say here is potential users, once they use mobile phones on the bank, after several years of University, will be dependent on the app, out of the school gate, they have the job, will become the high-end users. And now the cultivation of College Students’, the late Sinian, they will go out the school gate, from student users into high-end users. This is a group of highly viscous user loyalty is extremely strong. The article also creatively enhance the convenience of mobile banking to the student’s daily life. The mobile phone, bank card and campus card integration, so that mobile phone into a campus card or city card, from the campus to play rice, buy small food to school can use mobile phone payment.These creative models and conclusions, so that readers have a better understanding of the current situation and future development of mobile banking, and its significant impact on social development. Let readers broaden their horizons, mobile banking is not just banking financial services, but also can cross the bank, the general public face to face payment services. In addition, the article analyzes the mobile banking A branch of China CITIC Bank, can make the mobile phone bank of CITIC A branch responsible for the change in mobile banking sales philosophy, functional improvement and customer training ideas. What is more, the transformation of enterprise mobile banking department:strengthening the construction of corporate culture, improving the system of personnel training and incentives.