Research On The Marketing Strategy Of T Commercial Bank Wealth Management Products Based On Customer Profiles

Wealth management business is only one type of commercial bank’s intermediate business,but it plays an important role in the development of commercial banks.The development of wealth management business has a huge boost for commercial banks to contract customer deposits,expand customer resources,improve service marketing capabilities,and enhance their own brand image building.However,under the influence of Internet technology,more and more high-yield,low-threshold Internet wealth management services are presented to the public.Customers who originally only purchased wealth management products at banks have more choices.Effective management has caused the bank’s existing customers and deposits to decline year by year.Against the background of increasingly fierce competition in the financial market,banks should learn from the successful experience of Internet financial marketing to break the shackles of traditional thinking.Banks can use technologies such as customer portraits to further stratify customers,implement precision marketing for different levels of customers,provide them with personalized wealth management products,meet the differentiated needs of customers,and achieve a win-win situation between customers and the bank.Based on the above background,this article comprehensively uses management,statistics and marketing and other related knowledge,taking the actual business of T Commercial Bank as a research case.First,by studying the journal literature about customer portraits in recent years,mastering the basic theory and application foundation of customer portrait technology,and in-depth understanding of the relevant literature on the application of customer portrait technology by commercial banks,and detailed analysis of the feasibility and reality of commercial banks adopting customer portrait technology significance.Secondly,it elaborated on the current situation of T Commercial Bank’s wealth management business and customer management.Subsequently,under the background of familiarization and mastery of customer portrait technology,the case bank’s wealth management customer groups were divided through questionnaire surveys,and four types of customer groups were proposed;then,using the successful case of China Everbright Bank in marketing with customer portraits,through In summary,it is found that customer profile technology has a significant role in promoting the development of commercial banks’ wealth management business,and provides guidance for T Commercial Bank to solve customer management and marketing problems in wealth management business.Finally,draw lessons from relevant research results and successful experience,further classify and propose corresponding strategies on the basis of T Commercial Bank’s original customer classification,and obtain more accurate customer classifications,which will help T Commercial Bank’s wealth management business to become more competitive.improve.