Research of China Merchants Bank´s retail banking CRM strategies

Along with the end of 2006 close by, the date open the outward banking completely, the crisis feeling of the local bank deepens. Under such a dynamic and complex market environment, developing the bank retail business strongly, discovering customers´ resources and keep the high-quality customers are important to the current commercial banks. This article discusses the strategies of China Merchants Bank customer relationship management of retail banking. After analyzing the strategies, identify some problems of China Merchants Bank customer relationship management of retail banking like: conceptualization of business development, product homogeneity, differentiation of network services standards, online banking with very little customer interaction, problem of organization set, account managers without comprehensive professional quality, etc. And based on the results of analyses, this paper tries to put forward some optimize strategies for China Merchants Bank CRM(Customer Relationship Management) of retail banking, which will has practical significant for Retail Banking Customer Relationship Management of China Merchants Bank.