A Personalized Service Improvement Scheme And Implementation Strategy Of Agricultural And Commercial Bank

Since the beginning of reform and opening up,China’s financial industry has been developing rapidly,and the most critical banking sector has made remarkable achievements,which also largely meet the financial needs of all parties in the market economy.At present,major banks continue to promote and innovate related products and services,which is very helpful to the development of China’s banking industry.However,with the development and perfection of related business,the internal and external problems are increasing,such as homogenization and mechanization of banking services,which need to be improved and perfected urgently.In this paper,based on the status quo of the implementation of personalized services of the Agricultural and Commercial Bank of China,further analysis is carried out from the shallow to the deep and from the surface to the inside.This paper is divided into the following steps: the first chapter is the introduction,which mainly elaborates the background,purpose,significance,methods and ideas of this research topic,and summarizes the personalized services from the theoretical level;the second chapter is the development status of A Rural Commercial Bank,mainly making a basic description of the current situation of the bank;the third chapter is the problems of A Rural Commercial Bank in implementing standardized services.Based on the introduction of the development of A Rural Commercial Bank and the actual situation,this chapter further analyses the problems existing in the process of implementing standardized services of A Rural Commercial Bank,such as insufficient product design,lack of hierarchical customer management system,poor staff personalized service skills,incomplete service process and so on.Chapter IV is about the specific scheme and feasibility analysis of personalized service for A Rural Commercial Bank.Combining with the problems existing in the implementation of standardized service for A Rural Commercial Bank,the specific scheme of personalized service for A Rural Commercial Bank is put forward,which mainly includes shaping the operation concept of customer first,establishing an efficient service operation system and process,customercontrolling service right,grasping service details and upgrading service.Quality,customer feedback and other aspects,and then the feasibility of personalized service of A Rural Commercial Bank is analyzed.The fifth chapter is about the guarantee measures for A Rural Commercial Bank to implement personalized service.This part mainly puts forward some guarantee measures for A Rural Commercial Bank to implement personalized service on the basis of Chapter 3 and Chapter 4,such as enriching product design,implementing customer classification management mode,expanding network banking service,strengthening staff’s adaptability training and optimizing service process.And more effectively promote A Rural Commercial Bank to implement personalized services.Chapter 6 is a summary and outlook,which mainly summarizes,summarizes and prospects the research topic,and explores the future development ideas.This study basically follows the scientific research ideas of putting forward,analyzing and solving problems,aiming at providing methods and guarantees for the implementation of personalized service of A Rural Commercial Bank,and at the same time providing some reference for our commercial banks to improve their own business services.