Research On Customer Relationship Management Strategy Of Private Banking Business Of ABC L Branch Under The Background Of Big Data

Due to the rapid development of big data technology and gradually occupy the market,using big data technology to carry out customer management can more efficiently analyze customer demand,further planning and design personalized,targeted products and services,maximize meet customer demand,effectively improve the operation efficiency of commercial banks,and save operating costs,improve the market competitiveness of commercial banks.To grasp the core of customer relationship management is to establish the customer-centered concept,regard customers as an important resource,and take various effective measures to meet customer needs.At present,although China’s commercial banks have realized and affirmed the importance of customer relationship management to a certain extent,in the actual process of operation and development,many commercial banks understand the content of customer relationship management only on the surface.Based on the research object of Agricultural Bank of China,this paper studies the problems found in the customer relationship management of Agricultural Bank of China L Branch,combines the business model of L branch,IDIC model,and proposes the optimization scheme of customer identification,customer stratification,customer interaction and customer customization:with information database,expanding new customers;differentiated management based on big data,increasing customer stickiness;four optimization strategies of precision marketing for classified customers,and supporting support strategy.To ensure the agricultural bank of L branch under the background of big data to optimize customer relationship management to achieve service quality improvement,maintain good stock users,increase the stock of customer viscosity,and on the basis of fully tap customer relations,expand new high net worth customers,it will provide a certain theoretical basis for private bank customer management business by the current of L branch,and also provide commercial bank managers with guidance and reference for customer relationship management.