Private Banking Business Development Strategy Research Of Bank Of Communications

Bank services for High Net Worth Individuals refer to a whole set of services offered by banks to high-end clients. As a personalized and intellectual combination of financial products and techniques, the business helps to establish the core competitiveness of the bank.In the west, bank service for HNWIs has a long history, is an important source of profits to banks, In China, the wealth management business has been gradually forming systems, as the household wealth continues to accumulate, the HNWIs market presents tremendous potential for the development of high-end customers as the banks’ profit growth has increasingly become the focus of competition of the domestic and foreign banks.This article first through to the bank customer service development origin and development are introduced, the use of Management Science in the famous "two eight law" theory on bank customer service for bank development significance and value; then the article from the development mode, target customers, organizational structure and service system and other aspects of the domestic bank top customer service development with foreign banks were compared, and the use of charts in the form of domestic banks and foreign banks, high-end customer service strategy is analyzed, through comparing and analyzing the conclusion and then put forward our country bank customer service development direction; and then, the article from China’s high-end customer market current situation, using the comparative analysis, data analysis and other methods to the domestic high-end customer market target customers, market potential, the types of customers, assets and services demand is analyzed in detail, in response to customer demand for high-end customer service provides market basis for the Bank of Communications.On the basis of this, this article further analysis the status of the high-end customer service of the Bank of Communications. Including high-end customers to provide routine services and value-added services, And from the all-round, multi-angle analysis of the bank in the high-end customer service questions facing the field, includes:service homogenization, optimize service system, promote the brand cognition, contradictions of the product sales and customer service to be solved, human resources problems.Through analysis,tries to put forward development strategies of the Bank of Communications an put forward some of my points in the market localization, marketing strategy, channel strategy, human resources and risk control,etc.