Research On The Stratified And Precise Maintenance And Improvement Of Retail Customers Of Huishang Bank Ningbo Branch

With the rapid growth of residents’ wealth,the transformation of the retail business of commercial banks continues to deepen,and the retail customer business has become the focus of competition among commercial banks.Through scientific segmentation and accurate maintenance of customers,improving the service quality of retail customers has become the key to winning the competition of commercial banks.Based on the theory of customer segmentation and customer value,this paper comprehensively uses the literature analysis,questionnaire survey,multiple statistical analysis and other research methods,to study the retail customer hierarchical maintenance problem of Huishang Bank Ningbo Branch,and puts forward the corresponding precise maintenance strategy.first,The questionnaire survey method was used to investigate the internal and external relevant personnel of Huishang Bank Ningbo Branch,Summarize the problems in the hierarchical maintenance of customers,The main hierarchical management is relatively rough,the value evaluation is not detailed enough,the product marketing is not systematic;next,Based on the problem-oriented approach,Clear the improvement objectives and principles,Improving the retail customer stratification of Huishang Bank Ningbo Branch,Further clarify the precise maintenance strategy of retail customers from the three aspects of refined customers,differentiated maintenance and diversified product adaptation;last,To ensure the implementation of customer layered maintenance and improvement,Specific safeguard measures have been implemented from four aspects of organizational management,human resources,marketing service and information technology.This study has a positive impact on the precise stratification maintenance of retail customers of Huishang Bank Ningbo Branch,and provides reference and reference for the study of the hierarchical precision maintenance strategy of retail customers of other commercial banks in the same industry.