Commercial Banking Services Based On Customer Knowledge, Innovative Research

The 21st century is an era of economic services, our living and working in a service-centric, very service-oriented economy. Development of the service sector in a country's economy plays an insignificant. In our system, the service industry, financial services for the entire service sector output increased in proportion to play the biggest role. For a long time, commercial banks in the financial services system of absolute dominance, it has become increasingly become the core of the development of economic and financial strength. With the continuous deepening of the reform of the financial system, the financial market will be fully open at constantly, local commercial banks will face increasingly fierce competition. Additionally, the need of customers has become more diversified and individual. Commercial banks want to gain competitive advantage and win more customers, which requires continuous service innovation and improves service quality. Now all the major commercial banks have recognized that competition is the top priority of banks, in particular, in 2007 from China's commercial banks began opening to the outside world. We hope that the commercial banks in the face of the domestic banking sector on how to deal with intense competition, changing customer requirements, continued to carry out innovative services to enhance the quality of service and fully meet customer needs, structure their own core competency.In this paper Reviewing the customers at home and abroad knowledge management, innovative services and commercial banking services related to the theoretical innovation based on research from the customer knowledge, innovation, service innovation, commercial banks, and other services related to the concept of innovation and customer knowledge management, innovative services and other related theory To the knowledge of the customer perspective, the combination of commercial banking services, innovation, building a knowledge-based customer business model innovation in banking services. First of all SECI model that is based on knowledge management model built on the basis of the SECI model based on customer knowledge into the model, and then combine commercial banking services, innovative content-dimensional analysis of the formation of this article based on the knowledge of the customer business model innovation in banking services. In this model, based on four clients to use knowledge of commercial banking services, innovative content dimension on the assumption that the effective use of customer knowledge to promote the formation of a new service culture; tap the knowledge of customer service can effectively promote product innovation; based on the customer Knowledge to create a new customer interface to win more customers to enjoy; study on the use of customer knowledge is conducive to building a new delivery system. The article analyzes the use of empirical methods to deal with the questionnaire. The use of SPSS statistical analysis software, using the reliability and validity of analysis, to ensure that the research data reliability and validity on the basis of the use of correlation analysis, regression analysis on the assumption that the four were tested. In this paper, through the empirical analysis of the view that the effective use of knowledge to business customers innovative banking services and cultural dimensions of the new services, new products, services dimension, a new customer interface dimensions were significantly correlated, that is, the use of the customer's level of knowledge, the better Commercial banking services in innovative new services and cultural dimensions, the new dimension of service products, the new dimension of the degree of customer interface, the better. Effective use of knowledge to our clients' commercial banking services and innovative new delivery system is no correlation dimension, that is, the use of customer knowledge of the extent of good or bad, commercial banking services and innovative new delivery system not directly related to the building.