Study On Development Strategy Of Personal Banking Service Of China Construction Bank Of Jilin Branch

In this paper, through the study of the present financial situation, analysis of thecurrent grim situation and financial situation, due to the global economic impact, isemerging on the competition of banks, financial supervision, and by the effect ofinterest rate marketization, electronic financial rise factors, bank personal customercompetition become intense, the mature operation Jilin branch of China ConstructionBank in the personal customers, confronted with hitherto unknown challenge. A hugechallenge, benefit diluted loss of customers. So, in this new situation, as the channeladvantage, construction bank customer advantage, brand advantage and so on havebeen hitherto unknown challenge, in the face of churn situations, especially the20%high-end clients circumstances, reforming management can hardly be avoided. Thepurpose of this paper based on the analysis of traditional construction bank personalcustomer development and maintenance of the advantages and disadvantages as, theConstruction Bank Jilin branch personal customer especially analyzes the operationof high-end customers, the development of Western banking trends, understand theoperation mode, the market economy law of development, financial markets, bankingregulatory policy, interest rate policy network, and financial development situation,familiar with the modern personal customer service mentality, psychological,financial investment preferences and other factors, to explore the theoretical basis andpractical prediction for transformation and development.Through literature analysis, through the analysis of practice and research,customer analysis through the SWOT model, clarifies the Construction Bank Jilinbranch in the customer maintenance strategy has lagged behind the development of new commercial bank, further behind the Internet financial, finally the results toodependent on traditional customer maintenance means is caused by customers in theloss, made the high-end customers contribution is in decline, sources of funding costincreases. Of course, individual customer development and financial supervision, theeconomic downturn has certain contact, but even after the economy rise, the financialsupervision is relatively loose, to strengthen the network financial management,construction bank also have to focus on the future, integration of resources, integratednetwork, play the role of public-private linkage, play300000000customer resourceadvantage, good position war, a good network warfare.Have to admit, as carriers of the level of state-owned commercial banks, willinevitably make big company disease, slow slow transformation, implement, from topto bottom, layers of implementation, will inevitably affect the development speed andeffect. Then, as the maintenance and development of Jilin branch of ChinaConstruction Bank individual customer, only to climb afar, but also focus on the foot,suit one’s measures to local conditions to individual customers especially the20%high-end customer maintenance work, from the contribution degree, preference,regional, customer segmentation, the corresponding maintenance and management inthe subdivision, hold the advantage of not decline at the same time, keep pace withthe times, create the transformation and development of new brand advantage.