Research On Customer Relationship Management Of Rural Credit Cooperatives

With the rapid development of international financial integration and the network economy, gradually opening up China’s financial markets, different sizes, different types of commercial banks gradually established and grow, especially in the development of rural credit cooperatives is overwhelming. China’s banking sector is facing more intense competition in the market, the traditional banking sector is gradually changing from a seller’s to a buyer’s market, the customer is becoming a valuable resource for banks compete. Since the late 1990 s, the introduction of customer relationship management, since such a system has developed rapidly in China’s commercial banks. Innovative research on customer relationship management system in recent years has also become a hot subject for discussion, to establish their own customer relationship management system, help improve customer satisfaction and loyalty, help to improve the management level and reduce service costs, is conducive to maintaining and enhance existing market channels and tap new market resources, help to provide data for the enterprise market analysis, the preferred solution is to improve the comprehensive competitiveness.S rural credit cooperatives, as the financial system of the family of the late show, With business processes is relatively simple, and fast response to customer own unique advantages. But it also faces enormous pressures and challenges, due to the development of S rural credit cooperatives shorter, relative to the state-owned banks are not abundant customer resources. Therefore S rural credit cooperatives want the fierce market competition in the current environment to the fore, more needs good customer management. However, S rural credit cooperatives currently in customer relationship management, is still with the traditional rules in the previous regime, did not form a system that is relatively backward compared to other banks.In order to solve the S RCCs scattered on customer relationship management and inefficiencies, in this paper, S rural credit cooperatives as the main object of study. First, the status of the rural credit cooperatives S carried out a detailed analysis, we found S RCCs although rapid development momentum, in terms of total deposits and loans come from behind, leading to other state-owned banks. But they had plenty of rural credit cooperatives S, do not know how to further tap the potential value of the customer, do not know how to conduct a more in-depth customer relationship management. So I learned the theory after many customer relationships based on reference to a number of domestic and foreign banks successful customer relationship management systems experience. Proposed framework for customer relationship management system structure, process, and system functions S RCCs detail design, it also proposed to adjust the personnel with the corresponding organizational structure. Finally, in order to protect S RCCs smooth implementation of customer relationship management systems, raised risk in the use of customer relationship management should be noted, and for the evaluation mechanism of the system, this mechanism can make customer relationship management system constantly in practice and corporate adjustments, and constant self-improvement.