Research Of Bank Customer Classification Management And Reform Strategy

Customers are the foundation of the development of banks,and customer relationship management(CRM)theory is a key part of the bank management theory,and also the methodology to maintain the current customers,to attract new customers,and a strategic issue which banks must keep attention toward as well.Based on the CRM theory,the article also uses one of the most prevailing platform on data analysis field,R program,to analyze the data specifically extracted from bank Z,in order to categorize those customers,and to present a practically feasible solution under specific situation.The article uses bank Z as subject,and conduct the research mainly through literature research method,quantitative analysis and experience summary method,to further discuss the customer classification model,and proposed 5-Iayer classification model.Cluster analysis method and decision tree are mainly used in this article in order to classify customers comprehensively and carefully.Based on the result provided by the progress of data processing,conclusion can be made that efficiency can be enhanced significantly via the classification of customers and service differentiation.The paper divided data into 9 different categories,including social software,education,area,work unit,age,marriage,gender,using time,working life.The author was dedicated to establish a creative customer classification model without deviation from the fact and CRM theory;besides,the R program can provide high efficiency and strong support towards the progress of data processing.In conclusion,the article used the result provided by data analysis progress via R program and CRM theory,and also provided the specific strategy or tactic toward each one of them.Besides,a new cost-control methodology has been provided based on 2-demensions:customer's value and income level in order to maximize the efficiency of human resource and cost of AI.The author believes that to make the paper more believable,making profit must be the goal,the combination of theory and practice must be the methodology,and taking facts as the basis of research,to manifest a rather more practical way of the further development of the banking industry.