Conservative type: laid-off workers, those who stay at home to take care of their assets, those who are afraid of risks, and the elderly. Steady type: employees, civil servants, doctors, migrant workers, soldiers and returnees with good operating efficiency. Investment types: businessmen, corporate finance, financial investors with clear risk awareness, and returnees. Speculative type: people speculate in foreign exchange and stocks, who want to make a fortune without knowing it. Corporate customers: corporate bosses, corporate finance.
For today's commercial banks, it is no longer possible to simply distinguish between private customers and corporate customers. Customers who handle personal business are often potential corporate customers, and vice versa. Therefore, in order to make better use of existing resources and develop and sell products, the public-private linkage model has become an important strategy for us to do a good job in marketing and show our competitiveness.