The research on customer structure characteristics and marketing measures of regional bank agency: a case from the Agricultural Bank of China

With intensified opening degree and increasingly fierce market competition of commercial banks, commercial banks innovate their products constantly and improve their service quality at the same time. The Agricultural Bank of China (ABC) is a state-owned commercial bank that has built branches in all county-level districts. Instead, branches of ABC in county-level have become the weakest links that reduce ABC’s competitive power. If the flaws in customer and market maintenance in the county-level branches are ever to be repaired, in my opinion, meeting customer perceived service quality and customer demands efficiently based on understanding of customer needs should be put in the first priority currently. Firstly, this part studies the customer segmentation of ** branch of Agricultural Bank of China. This thesis puts forward approach to segment bank customers based on the improved k-means clustering. The results show that the improvement algorithm effectively overcomes the defect that traditional k-means algorithm easily falls into local optimal value, increasing the accuracy of customer classification, and contributing to more reasonable clustering results. Secondly, this thesis uses the econometric panel data model to study the relationship between customer structure and bank performance. The results indicate that a good customer structure can bring benefits for banks and improve their competitiveness. Thirdly, this part analyzes different service quality requirements of different types customer in the ** branch of Agricultural Bank of China. We combine service quality evaluation theory and the background of Chinese commercial banks, establishing the SERVQUAL model for the ** branch. The Study has shown that the correlation coefficient between overall perception of service quality and customer satisfaction is positive; the overall perception of service quality and customer willingness to recommend are also positively correlated, but the degree of correlation is lower than the correlation between the overall perception of service quality and customer satisfaction; the correlation of overall perceived quality of service for all samples and willingness to accept the services of other banks correlation was not significant. At the same time, there is still a gap between the customer perceived service quality and customer expectation in the ** branch of Agricultural Bank of China. Finally, according to the results of customer structure classification and service quality survey of the ** branch of Agricultural Bank of China, the marketing strategies for different customer groups are proposed.Com o crescente grau de comercialização da indústria bancária chinesa e a entrada continua de bancos estrangeiros, a competição entre bancos está a tornar-se cada vez mais feroz, e as estratégias dos bancos comerciais com vista a ganhar vantagens competitivas muda gradualmente. Para além do lançamento de uma variedade de produtos financeiros, os bancos comerciais utilizam serviços diferenciados para poder dar resposta á procura do mercado diversificado de consumidores. Estes bancos estão igualmente a começar a entender que para os bancos gradualmente convergirem devem não só atingir uma vantagem competitiva através da oferta de produtos financeiros bem como serviços diferenciados de alta qualidade. Este meio tornou-se na única forma forma que o banco dispõe para poder vencer a sua competição. Portanto, para os bancos comerciais, estamos num período de inovação onde o aumento da qualidade de serviço é inevitável. O Agricultural Bank of China é um banco comercial do estado que possui uma filial em todas as regiões administrativas a nível de condado. Ligações e serviços, citadinos e urbanos tem sido a maior vantagem do Agricultural Bank of China, mas a situação actual não é favorável. A filial a nível de condado tem-se tornado na ligação pior e mais fraca da fundação deste banco. Ao mesmo tempo, bancos privados têm emergido em paridade com o rápido desenvolvimento dos instrumentos financeiros online e, o Agricultural Bank of China, como o representante dos bancos tradicionais está a enfrentar competição feroz. Em especial desvantagem no que toca a recursos ao consumidor e instrumentos online que os outros bancos oferecem. Os bancos comerciais tradicionais, estão desta forma confrontados com a perda de clientes bem como o elevado custo de adquirir novos clientes. O risco operacional do banco aumenta á medida que a estabilidade do mercado consumidor piora. Se querem mudar o status quo das filiais a nível de condado, necessitam entender a actual necessidade da qualidade de serviço ao cliente, analisar as características da procura do consumidor e estabelecer um mecanismo de ciclo virtuoso de mercado-consumidor-beneficio - são as maiores prioridades agora. Baseado nisto, este estudo usará marketing, processo de decisão da gerência, teoria e métodos, mineração de dados, técnicas estatísticas e métodos econométricos para analisar as características de procura do consumidor do Agricultural Bank of China. Primeiro, utilizar a análise de cluster de mineração de dados para efectuar uma estratificação analítica do grupo de consumidores do banco para manter a estrutura da procura dos consumidores e serviços; classificação da informação de procura dos consumidores, acesso ás tendências de procura dos consumidores do banco e tendência de produtos competitivos; na base de quantificar os requerimentos do consumidor, usamos o painel de dados econométricos para efectuar uma análise empírica sobre a estrutura de procura dos consumidores e a performance do Agricultural Bank of China

Nanoexposure, Unusual Diseases, and New Health and Safety Concerns

Accumulating studies in animals have shown that nanoparticles could cause unusual rapid lung injury and extrapulmonary toxicity. Whether exposure of workers to nanoparticles may result in some unexpected damage as seen in animals is still a big concern. We previously reported findings regarding a group of patients exposed to nanoparticles and presenting with an unusual disease. The reported disease was characterized by bilateral chest fluid, pulmonary fibrosis, pleural granuloma, and multiorgan damage and was highly associated with the nanoparticle exposure. To strengthen this association, further information on exposure and the disease was collected and discussed. Our studies show that some kinds of nanomaterials, such as silica nanoparticles and nanosilicates, may be very toxic and even fatal to occupational workers exposed to them without any effective personal protective equipment. More research and collaborative efforts on nanosafety are required in order to prevent and minimize the potential hazards of nanomaterials to humans and the environment

Ordered k-Median with Outliers

We study a natural generalization of the celebrated ordered k-median problem, named robust ordered k-median, also known as ordered k-median with outliers. We are given facilities ? and clients ? in a metric space (???,d), parameters k,m ? ?_+ and a non-increasing non-negative vector w ? ?_+^m. We seek to open k facilities F ? ? and serve m clients C ? ?, inducing a service cost vector c = {d(j,F):j ? C}; the goal is to minimize the ordered objective w^?c^?, where d(j,F) = min_{i ? F}d(j,i) is the minimum distance between client j and facilities in F, and c^? ? ?_+^m is the non-increasingly sorted version of c. Robust ordered k-median captures many interesting clustering problems recently studied in the literature, e.g., robust k-median, ordered k-median, etc. We obtain the first polynomial-time constant-factor approximation algorithm for robust ordered k-median, achieving an approximation guarantee of 127. The main difficulty comes from the presence of outliers, which already causes an unbounded integrality gap in the natural LP relaxation for robust k-median. This appears to invalidate previous methods in approximating the highly non-linear ordered objective. To overcome this issue, we introduce a novel yet very simple reduction framework that enables linear analysis of the non-linear objective. We also devise the first constant-factor approximations for ordered matroid median and ordered knapsack median using the same framework, and the approximation factors are 19.8 and 41.6, respectively

Simulation of Smoke Motion in Fire of the Ship Engine Room with Multilayer Structure

The article at the beginning defi nes multilayer and monolayer structure based on the structural characteristics of ship engine room. The smoke fi lling motions in multilayer and monolayer structures are studied by employing fi ltered balance equations and the Smagorinsky subgrid-scale model. The article investigates the distribution of smoke with iso-concentration and the height of smoke layer. The research indicates that the spread speed and the spread area of smoke in the multilayer structure are greater than in the monolayer structure. The height variation of smoke layer is non-continuous in the multilayer structure and continuous in monolayer structure. The height of smoke layer decreased slowly within zone 1 in the multilayer structure, but the smoke fi lls the zone 1 more quickly in the monolayer structure. The examples demonstrate that the shortcomings of the structural hypothesis in traditional method badly affect the research results. The article suggests improvements for research of fi res in ship