Optimization Research On Credit Customer Relationship Management Strategy Of D Branch Of Agricultural Bank Of Suzhou

Among all the elements involved in the construction of commercial bank operation system,asset credit is a business branch that can not be ignored.It is praised for its special business classification and operation mode,which can effectively raise social idle funds in a short period of time.In a sense,whether the effective management of credit customer relationship can be achieved will have a crucial impact on improving the comprehensive competitiveness of banks.In recent years,D branch of Agricultural Bank of Suzhou has certain management experience and achievements in credit customer management,but compared with the more urgent internal and external development form,it still has a certain potential in improving the working efficiency of credit customer management.Therefore,this paper selects D branch of Agricultural Bank of Suzhou credit customer relationship management as the research object.Firstly,it systematically expounds the related concepts and value functions of credit customer relationship management,and then completes the status quo combing work,which specifically covers the organizational structure,human resources allocation,structure and scale,status quo maintenance and other specific contents.Then it summarizes the existing problems,such as the single method of customer classification,insufficient differentiation and characteristics.Next,around these problems,this paper lists the causes from the subjective and objective dimensions,including the reasons of concept,management,technology and so on.Then,combined with the actual situation,the paper explores the improvement of credit customer relationship management of D sub branch of Agricultural Bank of Suzhou.Firstly,it clarifies the goal and significance of improvement,and then puts forward four corresponding strategies:the first is to optimize the information management of credit customers,focusing on the improvement of information collection,related management,diversion processing and feedback application by using advanced information technology.The second is to adjust the classification of credit customers,mainly from the optimization of value classification and classification refinement.The third is the differential management of credit customers,which will be realized by the differentiated use of products and services and the construction of characteristic channels.Fourth,focus on customer life cycle,focus on customer relationship development and upgrading management,and further consolidate and enhance existing credit customer relationship.Finally,in order to ensure that the improvement and promotion of credit customer relationship management can be effectively implemented,this paper also puts forward relevant safeguard measures from four aspects of concept,management,talent and technology.Through the research efforts of this paper,I hope to contribute to the improvement of credit customer relationship of D branch of Agricultural Bank of Suzhou in the future.At the same time,it also provides some reference for brother banks with similar situation.