Research On Retail Customer Relationship Management Of TZ Branch Of JS Bank

Customers are the most important strategic resources and operating assets,customer satisfaction and loyalty is of great significance for the survival and development of enterprises.To build an effective customer relationship management system,establish a consistent customer competitive advantage is very important for the stable development of commercial banks,in the face of increasingly fierce competition in the financial market,domestic commercial banks have introduced a customer relationship management system features.In recent years,domestic commercial banks have been exploring how to better serve customers,with the development of financial market;the buyer has gradually become the dominant force in the market.This change prompted banks to improve customer management attention,maintain and exploit the value of the existing customers,finding new target customers,the customer segmentation,the to optimize the system of products and services,to improve customer satisfaction.Banks need to launch differentiated products,customers must first be broken down,the effect of customer segmentation directly affects bank profits,thereby affecting the development of banks.There is a difference between customer and customer demand,the lack of change in the type of products and services cannot win the favor of customers.Therefore,the bank should be based on customer differences,the effective implementation of customer segmentation,the limited resources targeted investment to key customers,improve resource efficiency,and create more customer value.JS bank TZ branch of individual customers to provide a variety of retail products and services,through the existing retail customer relationship management system,build customer relationship management foundation,get a large number of high-quality customers,accumulated experience in customer relationship management,but the system also showed a disadvantage of vague target,the old eoncept of low efficiency and the system function the lack of.In this paper,combined with the actual day-to-day work,by reading books and materials,and using the methods of comparative analysis,based on customer relationship management are reflected in the bank on the level of the background,significance,theory origin,development trend and application in basic banking on the characteristics of the contrastive analysis of the state-owned banks,foreign banks and foreign banks.From the cxurrent situation and development trend of concept,customer management,in-depth analysis and summary,and the origin of the theory of customer relationship management are discussed in this paper,a comparative study was made on the domestic and foreign research on customer relationship management,to build up a reasonable and effective method to segment customer operation,and according to the segmentation results ean provide data for the management of customers according to the level difference,eustomer relationship management system architecture,hierarchical management,differentiated marketing service system division Analysis of JS bank TZ branch customer relationship management development direction and specific measures.