Bank Customer Service Information Asymmetry And Suggestions

As an open economy, the interest rate market continues to advance, the domestic banking business environment increasingly grim. Domestic third-party payment platform for rapid development and continuous rise of P2P institutions, commercial banks increasingly eroding the profit margins of the original, plus the entry of foreign banks to make banking competition heated up. In order to expand its profit margins, the domestic banking sector development strategy begins by "product-centric" to "customer-centric" change. This change makes the service level of commercial banks is becoming increasingly important, however, the bank’s customer service due to the presence of asymmetric information problems, greatly affected the conduct banking business, reducing the profitability of banks. Transfer of financial information related to the operational efficiency of the economy and society, efficient information transfer can not only increase sales of banking products and services, improve customer satisfaction, but also facilitate the customer’s economic life, improve customer financial literacy.This paper relies on the Construction Bank XX branch of the six-month practice, and the branch of survey sites on the bank’s customer questionnaires, focus on customer inquiries, surveys customers to understand the extent of CCB goods and services; at the same time with the bank staff discussion Learn to identify the customer’s bank management. Summary of bank customers through qualitative and quantitative analysis of the way the service information asymmetries that exist, through specific data describing its severity, analyze causes of the problem, the proposed financial knowledge publicity, streamline information content, customer segmentation, customer relationship management, online customer tracking, and other entities to improve network improvements, survey Finally XX Case Construction Bank branch improvement program. Through this research, hoping to arouse domestic banks focus on customer service, information asymmetry, and thus optimize information transmission channels, improve overall operating efficiency of the bank.First chapter introduces the theoretical basis for the investigation report to explain the theory of asymmetric information content, at the same time introduce the background and significance of the investigation; the second chapter describes the main issues and findings of the survey, while issues cause analysis; The third chapter proposed improvement measures and policy recommendations for the investigation branch, to discuss ways to solve the information asymmetry; Chapter IV on innovation and deficiencies were analyzed and summarized in this article.