The optimization of enterprise customer portfolio management of the bank

As customers and their needs provide all the benefits of the firms, market managers should not think of itself as producing goods or services but think of itself as buying customers. In order to make use of the basic financial concepts in commercial banks´ enterprise customer portfolio management, this article contrasts the differences between customer assets and financial assets, and identifies the return and risk of the customer portfolio. Besides, we put forward the calculation formula of customer current value and customer potential value of the bank, and build an optimal customer management model which aims to realize the maximization of the potential value of the entire customer portfolio.