Z Post Office Agent Banking Customer Relationship Management Analysis

March20,2007China Postal Savings Bank Co., Ltd. was established by law in Beijing. Postal Savings Bank is one of "self+agency" management mode of operation, the postal agency to change the original single financial savings, relying spreads business model. After several years of efforts, the Postal Savings Bank has developed into the country has38,000outlets, the country’s fourth large-scale deposits of commercial banks, postal agency has also created a financial asset, liability and intermediate business three foot new structure simultaneously. However, due to postal savings business agent financial position, making postal savings agency finance in operations management, customer relationship management and advanced banks are still significant gaps.This article will finance the postal agency as intermediary business research content, select Z Board as a research model, the use of customer relationship management model-IDIC model as a research method, the postal agency financial intermediary business for customer relationship management research. IDIC model studies mainly around four segments:customer identification, customer-differentiated analysis, customer interaction, customized marketing, and customer relationship management evaluation, and the Z-Board Analysis suggested two aspects of policy research and analysis.By Z Post Office correlation analysis of customer relationship management, customer relationship can be seen in silver, the initial relationship is mutual understanding between the focus is to deepen understanding, grasp the competitors’ strengths and weaknesses, identify the entry point, a clear position; further development cooperation relations focused on finding points, tailored, process monitoring; term relationship between the main focus is firmly customers, cross-selling products, highlighting the intermediate business and personal services. Postal financial agents, and the entire domestic banking sector are facing slowdown in traditional business, loan ratio narrowed the current situation, now is the entire banking industry as banks valuable customer groups external resources to the customer as the center, build assets, liabilities and intermediate business, highlighting the key to the development of intermediary business transition and development. Through customer relationship management can "magnify the potential release of customer relations" for the customer and the bank to bring two-way benefits and value. This is exactly the value of this article.