City Commercial Bank Customer Segmentation And Improvement Of Theory And Practice

In the field of public services, financial services is an integral part of everyone. In addition to the traditional state-owned banks, joint-stock banks, as well as China’s accession to the WTO after the introduction of foreign banks outside the city commercial banks become effective strength of each region to provide financial services to local businesses and residents.City commercial banks to establish the beginning of the establishment of the service the local economy, services, small and medium enterprises, service urban residents "approach to development and market positioning, after ten years of development, mutual support and local economic and common development of the relationship between the performance of the moreto the more obvious, as the local financial institutions, city commercial banks in the local economic development plays an increasingly important role in the rapid development of its natural advantages once. However, with the further development of the financial industry, competition is increasing, from the size and history in the city commercial banks under the state-owned banks and foreign banks face serious challenges. City commercial banks must transition from extensive management to the refinement of management, in order to avoid the risk of delisting, and thus play a stabilizing role in local economic development. To transition from extensive management to meticulous management, the customer screening services is the only way. Today, the city commercial banks must continue to absorb and introduce advanced business philosophy, business technology, advancing with the times, and constantly improve their own operational level and the quality of personnel, innovative service concept to expand services, to increase the types of business, to maximize good customer segmentation and provide the necessary services, customer segmentation based on a limited number of banks most in need of the customer base, human and material resources to find new profit growth point in the subdivision, enhance their competitiveness.City commercial banks, as local financial institutions, how to conduct effective reform, analyzes the most successful of several banks in the banking sector in Baotou City features representative of the business operating model, indicating that the customer segmentation theoryhow effective, long-term, the comprehensive applied to the city commercial banks reform. By of Baotou banks visited the survey process is not difficult to find a rule, if a bank wants to have a foothold in the market, the banks certainly have their own characteristics of business, and in the development of its specialty business process In particular, should adopt this philosophy of customer segmentation. The first chapter introduces the nature and characteristics of the city commercial banks, and has played an integral role in local economic development, and the contractor bank, for example, specify the mode of operation of the city commercial banks. The second chapter introduces some of the practices of the city commercial bank customer segmentation theory as well as domestic and foreign commercial bank customer segmentation. Third chapter through field visits to research, in accordance with the banking area chapters, introduced in each of the banking business under the Baotou City, doing features several banks in customer segmentation of specific implementation methods and some of the achievements. Chapter IV presents the the contractor bank in terms of small business loans using customer segmentation after a great success, and elaborates on the points in its approach, and summarizes the previous theory, proposed a set of city commercial banks in the individual financial Services customer segmentation. Chapter V concludes the paper, draw a satisfactory conclusion to the theoretical aspects of this thesis.