First, stick to the source
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To expand middle and high-end customers, we must first compete for the source of customers. The industries belonging to the middle and high income groups are usually more concentrated, such as investment projects such as communications, electricity or securities, aviation and railway. Banks can actively strive for the payroll business of these industries and institutions, aiming at the key customers of these companies, especially those enterprises that have cooperative relations with the bank. They are provided with one-to-one special services, and the responsibility is divided into the name of the financial manager, and differentiated services are provided to customers to activate and develop customers in various aspects.
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Secondly, banks should track the source of expenditure. For middle and high-end customers, they point out that the main consumer demand is tourism, luxury goods, beauty, or investment demand such as stocks and funds. Banks should grasp their expenditure path, establish strategic cooperation with luxury stores, embed or establish financial consumption scenarios, and carry out target marketing for customers with different groups of consumer spending.
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Second, increase high-end customer bundling marketing efforts
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Do a good job in configuring basic products such as online banking, credit cards and automatic repayment for high-end customers, so as to increase their dependence on our bank. Do not underestimate these most ordinary and featueless businesses. The more your high-end customers have your bank's products, the less likely they are to leave. Strive to improve the product placement rate of high-end customers.
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Third, after-sales service
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Product after-sales follow-up service is an important link to improve customer satisfaction and customer stickiness, no matter how good the product is, the after-sales service does not go on, the customer will eventually leave you, so when the account manager recommends the product to the customer, in addition to subtly revealing the risk, but also say one more sentence \"You can rest assured, I will always pay attention to this product for you, and remind you regularly.\" Solve your worries.\" Especially for those customers who have lost money for a long time after buying the product, do not snub him because of fear of the customer's anger, you should relieve his bad mood in time, appease the customer, so for ordinary customers, more so for high-end customers, when placating high-end customers, you can also appropriately send some souvenirs or small gifts to him. This is conducive to strengthening customer trust and further consolidating customer relationships.
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4. Customer relationship maintenance
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The bank shall, in accordance with the principle of \"integration of people and accounts\
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5. Visit regularly
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Visiting middle and high-end customers is an important task for account managers at all levels. By visiting high-end customers, bank staff can show their attention to them, understand the dynamics of customers, solicit opinions from high-end customers to account managers, timely grasp more ideas of customers, collect opinions and suggestions from customers to the bank, and promise to correct customers' dissatisfaction in time. Thus, it can better maintain middle and high-end customers