Research On The Costomer Relationship Of Personal Banking In The Perspective Of Corporate Governance

In recent years, the world market of the customer relationship management of began todevelop rapidly, China’s major banks began to turn their management idea from theprevious focusing only on "economies of scale" towards focusing on "customerbenefit".Predictably, customer resource in the process of the development of commercialBanks in the future, will occupy a more critical position.Standing in the private bankingangle, there is the vital significance to study large customers in the bank governance.Private banking services activities belong to the part of the banking business, its targetcustomers for the economic strength is very strong, which can be targeted for wealthypersonal finance and investment services. For private banking business, the most core workis to manage the related assets, arrange investment direction. What’s more, according to theactual needs of customers personalized service, it can also in construction of offshorecompanies and set up a family trust means to reduce the tax burden of the customer andrelated costs. Therefore, take the private banking business in the use of customerrelationship management, can let the banks to significantly improve their efficiency, reducethe capital investment, expand market space, retain and absorb a large number of customers.So as to establish a standardized customer support ways and all-round customer servicelevel, we need to promote the market competition level and benefits of the bank, to enhancetheir comprehensive strength. This paper uses the analysis methods combining theory withpractice to explore and build our commercial private banking customer relationshipmanagement from the perspective of corporate governance, proposing the strategies ofmodel analysis, model selection and model using.Especially,in this paper we combinatewith the present situations of citic bank personal business development and customerrelationship management to verify the private banking customer relationship management(CRM) mode, and put forward countermeasures and suggestions to the problems we found.This paper is divided into five chapters: the first part of the study is the selected topicbackground, significance, relevant research at home and abroad being summarized; thesecond part is the development of private banking, business characteristics and specialfunctions being analyzed; the third part of this paper research is on the related theory, themethod involves; the fourth part, from the perspective of corporate governance andinformation technology, is our country private banking customer relationship managementmodel construction being discussed, and gives the model analysis, model selection andmodel using suggestions; the fifth part, based on the above theoretical analysis in this paper,the combination of CITIC bank private bank business development and customerrelationship management present situation, problems of CITIC bank private banking customer relationship management (CRM) is being analyzed, and gives the perfectsuggestions.