Research On The Classification Management Of Credit Customers In The Construction Bank Of Hainan Province

Bank as an important part of today’s economy and society of the financial system,running and development of the whole economy and society plays a vital role. At present,commercial banks can be divided into four categories, namely Citibank, Standard Chartered Bank as the representatives of foreign banks; engineering, agriculture, in construction, cross five state-owned commercial banks; with Shanghai Pudong Development, Societe Generale,people’s livelihood, investment, China as the representative of the national joint-stock commercial banks; local joint-stock and city commercial banks and rural credit cooperatives.With the rise of the concept of Internet + and the deepening of China’s financial reform,banking and Internet banking sudden emergence of private ownership, these new banks with its convenient services and innovative ideas quickly occupied the headlines for various financial newspapers and impurities, and gradually as people known, it can be described as intensified competition among banks. Pattern of the domestic banking sector is undergoing major changes, economies of scale traditional big banks are no longer outstanding, customers have more opportunities to select those benefits better and better banking services for business, who can seize the customer, who in order to better development, so bank customers become vital business resources, a sense of crisis of traditional commercial banks continue to appear. Currently, banks are making from the "product-centric" to "customer-centric" business philosophy change, how to develop customer strategy, customer segmentation and establish a stable scientific management system, to achieve the interests of the bank and the customer "win-win", has become a major goal of commercial banks, in particular credit enterprise class customers, is the main source of profit for banks, corporate customers free credit management becomes increasingly urgent and important, especially in recent years,China’s economy is in a downward trend for how corporate credit customers more effective risk prevention, improve bank earnings, the limited use of credit resources to more valuable companies, commercial banks must seriously face.As science and technology continues to evolve and progress, database and cloud computing increasingly developed to identify and effectively service customers are more valuable business credit bank customer classification management of core areas. Hainan Provincial Construction Bank, for example, currently use the corporate credit customer classification system, although diverse, but there are a lot of lack of reasonable data integration, customer classification is not sufficient to fully reflect the current integrated customer value, differentiation is difficult to develop effective strategies, credit product design can not meet the needs of individual enterprises and other issues, so more human and financial resources are not fully utilized, the presence of a large number of waste of resources,customer marketing, customer maintenance lack of strong guidance. Combining theoretical research at home and abroad, starting from the theory of customer segmentation and customer value, and analyzed some problems Hainan Construction Bank credit customer classification management companies, proposes a supplementary analysis of corporate credit customers for the problems, elements of classification using analytical hierarchy process AHP weights assigned to build an integrated value of corporate credit evaluation model based on customer value customers, for our customers and provide the basis for decision-making support.China’s commercial banks credit the customer’s classification is in practice, therefore,this paper hopes to systematically investigate the value of customer categories in Hainan Province Construction Bank application and provide certain reference for the row to further improve customer classification management. This thesis preclude research methods combining theoretical analysis and case analysis, due to the constraints of objective conditions and technology, this research there are many shortcomings, mainly operating module operates much less statistical analysis module, We need to further refine and improve.This paper is divided into seven chapters, namely introduction, a review of domestic and foreign relevant theoretical research, classification management situation of enterprises in Hainan Province Construction Bank credit customers, existing problems, improve and perfect the application, conclusions and outlook category management.The first chapter is the introduction part. Mainly from the research background, purpose and significance, research ideas and methods, research content and frame four parts to elaborate.The second chapter is a review of domestic and foreign related theories. The main theory from customer segmentation, customer value theory and customer relationship management literature review three aspects.The third chapter describes the classification management situation in Hainan Province Construction Bank business credit customers. Introduces Hainan Construction Bank are corporate customers’ business class credit profile and the main classification criteria.The fourth chapter reveals the lack of Hainan Construction Bank’s corporate credit customer classification management exist. From data integration, based on the evaluation,strategic planning, customer needs analysis of the four angles of Hainan Province Construction Bank credit appears in the customer classification management issues.The fifth chapter is the enterprise in Hainan Province Construction Bank credit customer category management improvement and perfection. This paper combined with the specific circumstances of Hainan Province, China Construction Bank to establish a comprehensive corporate credit customer value assessment and classification management model, determineskey indicators, and with different weights, so that the enterprise customer credit points four levels, to ensure continued increase quality customers.The sixth chapter is the Hainan Provincial Construction Bank business credit customers comprehensive value category management applications. Randomly selected by Hainan Construction Bank credit stock of 10 companies customers above classification of corporate credit customers obtain comprehensive integrated value judgments, which provide the basis for decision-making and management of client manager.The seventh chapter is the conclusion and prospect. Including research findings and research prospects. Conclusion of the foregoing analysis, based on the achievement of corporate credit classification management should pay attention to the customer’s problems put forward reasonable proposals.