Based On The Customer Data Of Postal Savings Bank Of Ningo's Agent Network Developing Orientation And Countermeasure Research

The post office bank of China co., LTD established in March 2007,continues the national post office and the original postal savings business, responsible for the management work of financial assets and have the liabilities. As is known to all, the postal savings bank's advantage lies in the postal network throughout urban and rural areas, and the postal savings bank want to develop faster and better, also need to be integrated into the commercial bank's operation and management mode, widen the channel of the business development, improve the level of staff integrated services, to become a modern Banks which have enough market competitiveness. Now the postal savings through adding continuous institutions, expand the scale, ignore the really customers those need to focus on, at the same time, the management system of "the unity of" mail silver also have many disadvantages in the process of development. Agent network as an important part of the post office bank, business management and development also decide the development direction of the post office bank, so this article to post office bank, ningbo branch agent network as the research object, by collecting relevant data and establish the model, the analysis of current situation of the development of agent network and customer data, the location of the branches of agency into three parts: first, the target customer groups, positioning in the mid-range. second,the area locate in the countryside, the final, product positioning combined with the existing resources, postal company to provide diversified products and services. In determining the market positioning, on the basis of proposed the development countermeasure of agent network, classification management, implement localization; Introducing competition mechanism, establish a scientific evaluation system; The change of the real time control of the network to establish dynamic monitoring team,; Working to develop unique financial products; Diversified business operations.