商业银行财富客户金融消费行为的统计与分析

发布时间：2018-01-15 23:02

本文关键词：商业银行财富客户金融消费行为的统计与分析　出处：《金融论坛》2011年03期 　论文类型：期刊论文

【摘要】：本文分析了客户金融消费行为的影响因素和行为特征、商业银行提升高端客户拓展能力的要点。在对某分行进行调查的基础上,通过统计数据分析,发现财富客户具有以下行为特征:风险偏好多数为平衡型;稳定的客户持有基金、理财、保险、债券的比例较高;通过柜台和网银进行转账交易的比例较高;有客户经理维护时的客户稳定性高于无维护时,这些客户买入的理财产品占全部财富客户的六成以上,其中基金占六成以上。为了进一步维护和发展财富客户,商业银行应该细分客户群,发掘最有价值客户,为客户提供精细化服务,发挥渠道的合力和团队的合力作用。
[Abstract]:This paper analyzes the influencing factors and behavior characteristics of customers' financial consumption behavior, the key points of commercial banks to enhance the high-end customer expansion ability. On the basis of a branch investigation, through the statistical data analysis. It is found that wealth customers have the following behavioral characteristics: risk preference is mostly balanced; Stable customers hold funds, financial management, insurance, bond ratio is high; The proportion of transfer transactions through the counter and the net silver is relatively high; The stability of clients with account manager maintenance is higher than that without maintenance. These customers buy more than 60% of the wealth products, and the fund accounts for more than 60%. In order to further maintain and develop wealth customers. Commercial banks should segment the customer base, explore the most valuable customers, provide customers with refined services, play the joint role of channels and teams.
【分类号】：F832.2
【正文快照】： 财富客户是宝贵的高端客户资源。随着全社会个人金融资产规模不断增长,财富客户资源呈现快速发展势头,各家商业银行的财富客户总量和资产也出现跨越式增长。在客户资源增长的同时,由于客户理财意识逐步增强,理财产品选择范围扩大,客户资产波动的频率明显扩大。为了使商业银行

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