Banks outsource part of the business process or the whole to the bee financial, and hope that they can create value for it. So, bee finance is able to create value for customers? How is the financial framework for the value creation of bee finance? How is the process of the value creation of bee finance? Bee finance is how to ensure the sustainability of value creation? Customer demand is the customers value proposition. Bee financial services of various types of commercial banks, state-owned commercial banks, joint-stock commercial banks, foreign banks, city firms, agricultural firms. Different bank management concept, management system, management culture is different, business organization framework is different, the understanding and understanding of financial outsourcing services vary widely. In the process of financial services to all types of bees in the bank, in learning at the same time, the accumulation of a large number of cases, summarized the experience, this is helpful for us to communicate with the bank, the bank needs to understand, you can also introduce him for the case, guide banks demand. Understanding of the needs of the banks is the recognition of the value proposition of the bank, that is, the cognitive value. The main responsibility of the marketing management department is to understand customer needs, to obtain the cognitive value.