1. How do account managers of banking companies develop new customers and increase deposits?

Old account managers do this: borrow money to absorb deposits. Account managers with backgrounds do this: suck and save through the forces at home. Elite account managers with high academic qualifications do this: through the relationship between elite classmates in various enterprises. Like me, account managers who have nothing but ideals and ambitions want to do this: attract customers through the bank's advanced product portfolio, impress customers through personal sincere service, and retain customers through real and effective performance.

second, analysis of bank loan customers' innovative activities

TheraBank is a bank with a growing customer base. Most customers in this bank have different deposit sizes. Because the number of customers in loan business is very small, banks hope to effectively transform deposit users into loan users to expand the basis of loan business, bring more loan business, and earn more through loan interest in the process.

therefore, last year, the bank launched a promotion activity for customers who are deposit users but have not handled personal loan business to urge them to handle personal loan business, and some customers have already handled relevant services through this activity. At this time, the retail marketing department hopes to formulate better strategies to position marketing and improve the success rate with the minimum budget. The department hopes to identify potential customers who are more likely to buy loans, improve the success rate of transformation and reduce the cost of marketing.

The data set * * * contains 5 records and 14 fields. The corresponding fields have the following meanings:

There is no missing value in the data, but the field type needs to be changed.

overall thinking: 1. what was the effect of the promotion activities held by the bank last year? 2. What kind of deposit users are more likely to become potential customers of bank loan business? 3. How does the loan situation change with the growth of customers' annual income? 4. How does the loan situation change with the growth of customers' age?

after this promotion, 48 of the 5, customers started personal loan business. As this activity is aimed at customers who have not handled personal loan business, compared with previous data, personal loan business has increased by nearly 1%, indicating that the effect of this promotion activity is still good.

As can be seen from the figure: 1. The variables with strong correlation with the opening of credit are: income, credit card repayment amount and whether there is a deposit account with the bank; 2. The variables related to the weak opening of credit are: education level, the number of mortgage loans and the number of families; 3. The postal code, whether it is a securities account, whether online banking is opened and whether there is a credit card have little to do with it; 4. Although age and work experience have little to do with each other, they are continuous numerical variables, so it is necessary to observe them after dividing them into boxes to see if there is a special value in a certain section.

(Explore the relationship between whether there is a bank deposit account, education level, number of families and whether to open a loan in qualitative variables)

Customers who have opened a bank deposit account are more than six times more likely to apply for a loan than those who have not, indicating that the customer who has opened a bank account is a major target customer; Finding a way for customers to open the bank deposit bill is also a possible option to increase the loan application rate.

The higher the educational background, the more the ratio of loan willingness, indicating that the higher the educational level, the more receptive to the concept of consumption ahead, and the higher the loan willingness. The higher the educational level, the more likely the deposit users will become potential customers of the bank loan business.

The loan rates of single people and families without children are relatively low, and the family users with children are relatively more willing to turn into loan users, especially the one-child families.

(Explore the relationship between the annual income, income, credit card repayment amount, housing mortgage loan and whether to open loans in quantitative variables)

On the whole, There is little difference in loan willingness among different ages. Relatively speaking, customers with the range of (32., 39.) have a strong willingness

to stratify income

to stratify mortgage value

Third, the authority of the bank loan account manager

is responsible for the marketing and promotion of loan products, developing new customers with personal resources provided by the company, and maintaining the relationship with customers; Be responsible for receiving customer's business consultation and handling various loan businesses for customers; Collect other necessary documents and information of customers, and provide necessary

legal basis for credit decision:

People's Republic of China and BCCHK

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

article 36 a commercial bank should be strict about the ownership and value of the guarantor's compensation and the feasibility of realizing mortgage and pledge.