Research On Customer Stratification Management Of J Bank Suzhou Branch

With the gradual improvement of China's marketization system,customers have become the key to the survival and development of commercial banks.Corporate customers,as the most profitable customer group among commercial banks,have a direct impact on the bank's profitability.Therefore,how to find customers,identify customers,and retain customers in the competitive market is very important for commercial banks.Customer hierarchical management is a customer management method that uses multi-dimensional indicators to divide customers at different levels and provides differentiated maintenance and marketing according to the characteristics of different levels of customer groups.Into.Hierarchical customer management is an inevitable requirement for commercial banks to achieve refined customer management,expand the base customer base,promote business structure transformation,and improve market competitiveness,while satisfying customers' needs for differentiated services and efficiency.Therefore,it is of great significance and value for banks to study the hierarchical management of corporate customers.This article takes J Bank S Branch as the research object,and discusses the existing problems of hierarchical management of existing customers of J Bank S Branch,that is,the hierarchical evaluation indicators are not ideal,the hierarchical objects are not comprehensive,the hierarchical management methods are not detailed,and the supporting marketing Measures are not in place.A hierarchical customer management model based on customer value is proposed to optimize the company's customer value evaluation indicators and models.After establishing a customer value evaluation model,tailor different levels of marketing solutions for each customer group and use limited resources for the customers with the most service value to achieve the purpose of refined management.Finally,the in-depth analysis of the operation and development status of the J Bank S branch's transition to the real economy,and the selection of value indicators of this type of customers for empirical analysis,showing the rationality of the optimized evaluation model,and the establishment of stratification for physical customers Management mode is conducive to improving the service level,service capability and service efficiency of J Bank S branch to the real economy.