Customer management is a main line in the process of bank branch transformation, so the core work of branch transformation is customer management, and the core of customer management is to understand the customer family background of the branch, classify, stratify, group and grade different customers by improving the cross-selling rate of customer products and the contact frequency of customers, and then realize the sustainable production capacity of the branch by adjusting the customer structure.

Network Transformation and Customer Management

Customer structure not only determines the efficiency and development quality of banking business, but also determines the core competitiveness and sustainable development ability of banks in the future. According to Hurun Wealth Report, the number of millionaires in China has exceeded one million, and it is increasing year by year. In China, there are 1 people who are millionaires. China Merchants Bank's China Private Wealth Report also shows that in 20 14 years, there were more than100000 high-end people in China, and the total investable assets held reached 32 trillion yuan, accounting for 28.57% of the total investable assets.