A Research On Commercial Relationship Management For Commercial Bank

Under the influence of the rapid development of Internet finance in recent years,the phenomenon of disintermediation gets aggravating,resulting in a fiercer competition in the traditional financial market and corporate banking business.Due to these stark realities for years,which are the homogenization of the products in corporate banking business and the lack of targeted services to meet the customers’ demands,the phenomenon of bank clerks leaning on the help from acquaintances to meet the performance target,low customer stickiness,incapability of locking up their customers by providing the professionally,specifically,and efficiently fiscal and financial services have been long-lasting and deep-rooted.Unable to adapt to the financing needs of public customers under the new normal is the main reason for the current development difficulties of commercial Banks.It is urgent for commercial Banks to subvert the traditional business model of public business and change the business philosophy from "product-centered" to "customer-centered".Based on T branch of N bank toward the business status as an example to find customers,to develop the customer,analysis and evaluation,management,the client,in the form of the joint customer demand to provide clients with a series of introduction and analysis of financial services such as content.On the basis of deeper and more thorough insight into customers and better interaction with customers,we can deeply understand and grasp customers’ financial service needs,and finally provide one-stop comprehensive financial service "solutions" for customers through product and service innovation.At the same time,strengthen the establishment,improvement and application of customer relationship management system.Improve the application of big data analysis technology in customer positioning,customer segmentation and customer precision marketing.The article aims at suggesting the branch to strengthen the establishment,improvement and application of customer’s relation management system(CRM system)and enhance the function of big data analysis technology in customer orientation,customer segmentation,and customer precision marketing.The article also suggests exhaustive analysis and deeper insight to customers so as to realize more efficient interaction with customers and targetedly financial services.