Research On Hierarchical Management Of Individual Customers In Anning Sub-branch Of Bank Of China

With the changing situation of the global economy becoming more and more complex,China's economic development is accelerating,and the competition between the banking industry is increasingly fierce.All major commercial Banks are transforming their profit models to build their core competitiveness and maintain sustainable development in the fierce competition.Customer is commercial bank's main source of profit,is an important part of individual customers,in recent years,each big commercial Banks have take aspects will be focused on customer resources,with the improving of the individual needs of customers,how to scientific and effective personal insights analysis and mining the different needs of customers,improve individual clients for the bank's satisfaction and loyalty is the big Banks need to consider the common problems.However,the current commercial bank personal customer the layered management ability is limited,most of the commercial Banks still use traditional,simple customer layered management mode,rough classification to the customer,lead to cannot satisfy different customer demand,affected the deeper potential customers and maximize the value of mining,reduced personal customer satisfaction and loyalty of the bank.As a member of China's state-owned Banks,bank of China anning branch has accumulated some practical experience in the hierarchical management of individual customers,but there are still some problems in the hierarchical management of individual customers,so it is urgent to improve the hierarchical management of individual customers.Peace based on this,this article selects the bank of China branch as the research object,the individual customer segmentation management in-depth research and analysis,found that at present the individual customer segmentation management exists the customer classification standard is not fine,customer segmentation,imperfect maintenance,the abundant degree of differentiation of service quality is not high,and product issues,such as insufficient to solve these problems,this paper using the method of cluster analysis and discriminant analysis to the bank of China branch to the individual customers of classification,and by using discriminant analysis method of the discriminant function of individual clients,that provide reference for the identification of new customers,on the basis of individual customer detailed classification,Proposed hierarchical management to boc peace branch individual customers through detailed customer segmentation maintenance,build differentiation strategies such as the supply of service system and diversified products to improve,and finally from the organization's security and human security,financial support and technical support peace four aspects of the bank of China branch individual customers layered management improvement strategy of the implementation of the safeguard measures,peace for the bank of China branch individual customers of the smooth implementation of the layered management strategy to provide comprehensiveprotection.Peace in this article,through research on the bank of China branch of individual customers layered management,peace for the bank of China branch of customer segmentation management level of ascension and promote its sustainable development has a certain practical significance,is advantageous to the Banks in the fierce competition in the market competitive,but also to other commercial Banks to provide certain reference of practical cases.