Reseach On CCB Y Branch Customer Segmentation And Differentiation Marketing

After China is entry into WTO,with the change of the operating environment of China's commercial banks and the entry of foreign banks,the competition pressure of the domestic banking industry is becoming more and more.Customers become the focus of competition,In particular,the bank customers who can bring greater contribution to?In the banking industry,reflect the obvious of “Twenty-eight Law”.More than 80% of the profit comes from 20% customers?The size of China's financial market has increased year by year?Chinese people's living standards improve,will further promote the development of financial services?Improve service level and obtain customer loyalty by market segmentation for different customer groups and provide differentiated marketing?In the time of China's financial products appear relatively late,October 2002 was the first time the actual financial products.Since the beginning of the development of national debt,deposit interest rates are low,and the stock market is in a relatively low state,at this time the financial one has won the favor of many customers.Regulators also continue to introduce regulatory approach and laws and regulations to support the development of financial services.With the development of financial products showing a variety and complexity of the development trend,more than 70% of customers want to have a dedicated financial advisor.In recent years,a sharp increase in the number of financial advisers,and can provide professional services far from meeting the needs of customers.As a customer manager,customer segmentation,and provide differentiated services,it is particularly important.This paper reviews the customer segmentation differential marketing related theory With construction bank Y branch as the research object,focusing on the individual customer segmentation of the bank and customer differentiation service problems Through multiple angles are analyzed about the present situation of the Y branch customer segmentation,on the basis of existing customer segmentation is improved,and for the new customer segmentation scheme of differentiated services Bank of customer segmentation for the mass customers mass affluent customer rich high-end customers private banking clients five categories Paper is given the bank's customer service strategy in this paper,the research results can provide differentiated services for different value,customer satisfaction for the bank and competitiveness enhancement...