SJ Rural Credit Cooperatives Credit Client Hierarchical Management Research

Rural finance, rural credit cooperatives as the main force in the domestic financial system to occupy a very important position. SJ bank adhering to the "agriculture based, livelihood service" purposes, has played an indelible role in the historical process of supporting rural economic development in suburban area. In recent years, in order to adapt to market competition and operation, SJ bank actively planning agricultural firm system reform, the rapid development of the business, the level of financial services rapidly, business philosophy and management style has been changed, but in the face of more complicated financial competitive environment and more and more customers and personalized consumer groups demand, SJ bank in credit customer management, personalized product design and profit space more and more pressure. Market positioning and development history of SJ Rural Credit Union "root agriculture" determines the characteristics of the credit customers with genuine agriculture these farmers is simple, simple and heavy feelings and recognize people, so the influence of historical legacy, customer credit management of SJ rural credit cooperatives is simple, extensive, credit how to put the customer manager to carry out chip package, a single product, but the customer management style to adapt to the economic development mode of rural single pure in a certain period of time to a certain extent, cultivate a group of hardcore fans. But with the SJ bank the city changes the environment, those hardcore fans still, but they are not farming began to invest in business, foreign population, the original natural villages no longer exist, instead of a loose community, the villagers became residents of 80 90 more is proposed the diverse needs of customers, the original single management mode can not meet the new market demands. These problems have led to the birth of the study of credit management needs of customers.This paper analyzes the SJ status quo and problems of Rural Credit Union customer relationship management, on the basis of the theory of customer relationship management, customer classification management found that SJ bank's single, according to the different hierarchical customer available marketing a single product, according to the different contribution of customer product price difference is small; at the same time the customer management channel construction lagged behind. Customer service manager, unreasonable structure, backward management. Then the design of SJ bank credit customer segmentation management scheme and implementation path of customer credit levels, establish credit customer stratification standard, city, community care clients diversified needs, and achieve perfect combination of hierarchical management and the management level of manager. At the same time, improve the security measures for the implementation of the hierarchical management scheme of SJ Rural Credit Union customers, make full use of the existing credit products, and accelerate the development and design of new products, accelerate the construction of channel customer management information system, the rational allocation of customer manager team, strengthen the service management, the SJ bank can play a key role in the new urbanization and financial innovation in the community...