CAJ | 학술논문

个人中、高端客户已经成为银行新一波圈地运动的目标。北京分行个人有资产客户总量达865万，其中中、高端客户仅为17.5万，却拥有全部个人金融资产的近50%，财富向高端聚集的趋势非常明显。这就很明确的告诉银行打造中高端领域服务势在必行。也促使北京分行必须进行经营模式的优化调整、做到顺势而为，抢占高端客户市场，重新构造客户格局，除了采取各种有竞争力的营销手段、高质的产品、优质的服务外，更需要睿智和长远的理念与目光。
개인중、고단객호이경성위은행신일파권지운동적목표。북경분행개인유자산객호총량체865만，기중중、고단객호부위17.5만，각옹유전부개인금융자산적근50%，재부향고단취집적추세비상명현。저취흔명학적고소은행타조중고단영역복무세재필행。야촉사북경분행필수진행경영모식적우화조정、주도순세이위，창점고단객호시장，중신구조객호격국，제료채취각충유경쟁력적영소수단、고질적산품、우질적복무외，경수요예지화장원적이념여목광。
The middle and high-end customers have become the goal of a new wave of enclosure movement of the banks. The total individual customers of Beijing Branch have amounted to 8.65 million, in which there are only 175,000 high-end customers, but they nearly have 50 percent of all personal financial assets, so the trend of the wealth gathered to high-end customers is very clear. Therefore, to create the service in middle and high-end service sectors is imperative for the bank. Also the Beijing Branch must optimize and adjust the business model, seize the high-end customer market, reconstruct the customers pattern, take a variety of competitive marketing tools, high quality products and quality service, at the same time have more wisdom and long-term ideas and vision.