Research On SJ Bank Customer Development And Management

Commercial banks are extremely important organizations in China’s financial system,providing customers with the most basic financial services in their daily lives.In the face of the complex global epidemic situation and profound changes in the macroeconomic environment,as well as multiple impacts such as accelerated changes in customer behavior,the old retail bank customer growth model is difficult to sustain,and it is urgent for banks to accelerate growth transformation.In recent years,under the influence of multiple factors such as public opinion and epidemic,SJ Bank has experienced sluggish customer growth,poor customer experience,and severe customer churn.These are important issues that SJ Bank must address in order to achieve its goals.Effective measures and relevant means need to be taken to improve and improve,especially in the transition from a traditional product centric competition model to a customer centric form.Having more valuable customers has become an ironclad law in the development process of the banking industry today,as one can remain invincible in the market.This article takes SJ Bank as the research object,uses customer development and management theory to conduct a deep analysis of its development and management of clients,and proposes corresponding optimization suggestions.By reviewing the current situation of customer development and management at SJ Bank,we aim to create favorable conditions for SJ Bank to continuously improve and improve its service system,thereby achieving a rapid increase in the overall competitiveness of the bank.As is well known,customers are the core of commercial banking business.This article proposes improvement strategies from the perspectives of finding customers,understanding customers,marketing customers,and maintaining customers.This not only effectively solves the problems in SJ Bank’s customer development and management process,but also enhances SJ Bank’s core competitiveness and profitability.More importantly,the research conclusions of the paper can be used for reference by commercial banks in other cities in China to address similar issues in customer development and management processes.