129742938966093750_13Retail banking has become a new focus for the development of Chinese banks.
However, the development of retail banking is still in its infancy, how to optimize the profitability of retail business model, building an effective customer relationship management systems, has become the banking sector to a "break through the collective war". Since its stock of China's commercial banks, operating efficiency to achieve a leap-forward development. Retail banking-determinationNo doubt, and increasing contributions. But under the global financial crisis, China's financial industry and China's economic growth is at a crossroads.
Retail banking how to maintain high growth rates and times
rs items for sale, is all the more important in the current environment. New characteristics of the development of retail banking retail business in China has become a new development of China's Bank industry focus, silverStrategic position of growing. From the revenue structure, as bank revenue diversification, and significantly improve the percentage of retail banking income. The first half of 2011, 16 listed in bank charges and Commission income in the profit ratio of 20.12%. Judging from the growth, retail banking revenue growth higher than the profit growth of. The first half of 201116 listed banks net interest income growth 26.29%, fees and commissions, net revenue was growing at 45.96%.
In the booming, China's retail banking development has taken on a new identity. Is for retail banking development direction to economies in transition. Policy-oriented structure to people's livelihood for consumer credit, such as credit cards and retail banking business of broad development spaceRoom.
Policies to encourage private capital investment, encourage innovative companies, venture loans, personal finance and settlement, business development opportunity to usher in a better. Second, traditional retail business a new vitality. First, the personal loan gradually from individual housing credit to an individual vehicle, comprehensive, personal housing decoration, personal credit, student loans, and other areas of personal consumptionExpand. Domestic retail banking management system had been sound, personal loan guarantees, repayment approach, continuous innovation to meet customer demand for personal loans. Second, the Internet, the development of technology promoted the development of electronic banking. Retail banking continued to OTC products moving to electronic channels, continuous development of B2B, B2C, electronic channel characteristicsProduct.
3G, tablets, some of the wider use of new technologies such as digital TV, to further promote the expansion of electronic banking channels, more perfect, more interactive, personalized service. Third, financial businesses achieve explosive growth. In 2011, the macro appears in the background of higher-risk markets plummet and the CPI continued to rise under depositNegative interest rates, steady Bank financing products to road. And foreign currency-dominated financial management patterns of different, RMB financial market players, hook of demand for financial products is no longer a subject of stock, instead of the class is credit-based integrated wealth management products. Because the threshold is not high, involving investors have sharply increased, according to the Central Bank for 2011 seasonInvestor survey, 21.3% depositors tend to invest "Fund financing products" category, which continues to be Bank financing.
As of 2011.5 year end balance of financial products has been developed to 3.3 trillion. Four retail banking is emerging high net worth people thrown tiered development. According to Bain's report, 2010 held in General for the ChinaInvestment reached 62 trillion yuan in assets. Of them, grown to 500,000 people of high net worth people held a total of 15 trillion yuan of investment assets and over 20,000 people the personal wealth of ultra high net worth population totaled 3.4 trillion yuan. Investment concept in China high net worth population matures, wealth more diversified channels to use professional wealth management wealthRich management changes.
Increased expansion of the private banking business of commercial banks, private wealth management in a high penetration in the net population is gradually increasing. Five banks organization structure innovation of retail is. In May 2011, the CBRC related paper, $ 5 million household (including) the following small business with retail loan processing. Before this policy, commercial bankAlready in adjusting the line of retail structure. China Construction Bank at the beginning of this year has incorporated small businesses by duigongyewu business line retail business line management, and put forward to the point of community finance, change small business marketing business model. This is considered to be in the industry structure innovation of retail banking organizations; the Bank for small micro-enterprises "credit link" business this is vested in the Department for retail banks tubes; Small micro-enterprises of the Everbright bank financial operations is vested in the Department of retail business management. Retail banking in China is under pressure to go on a market over fluctuation, the retail business more difficult. In 2012, the macro-economy faces more uncertainty at home and abroad, oscillations in the capital market, commodities, high, making financing more difficult. Dollar exchange rate volatility, personal clearingBusiness faces many unstable factors, these are the specific challenges facing the retail banking business. Second is financial product regulation and stability test. Bank's financial position has not been completely clear, regulatory measures has not yet been formed system. Currently only written personal financial business of the interim measures for the management of the commercial banks, the commercial financial products, such as sales management onlyAnd other related financial products regulation is to notice, even the instruction window. End of 2011 issued the China Banking Regulatory Commission on further strengthening the commercial bank financial risk management of notification on the relevant issues, it stresses that "issued to strengthen the regulation of financial products within 1 month", then regulators on a number of occasions pointed out, we must strictly practiceDay loan to deposit ratio index assessment, no high interest rates put through the issue of short-term financing products storage, avoiding regulatory requirements, regulatory arbitrage; no longer approved in principle issued within 1 month of banking products.
While banks generally open in the sense of financial products issued by and not too much of an impact, but finance overall increased risk of the policy. In addition, ChinaMore serious financial product homogeneity of commercial bank, providing more trading and hedging products, provide value added products rarely and very immature, once capital markets pick up, scale is undoubtedly facing the impact of banking products. Three is the third party pay rise led to disintermediation of commercial banks and payment challenges. Raise one's head and look to look forward in 2011 third-party payment industry paid licence finally fell to the ground, 40 non-financial institutions are two pay business license, third party payment industry official legalization.
Represented by Alipay, caifutong third party payment platforms, services include B2B, B2C, C2C and cross bank transfers, credit card payments, finance and public utilities payment network, and many other fields. Third party payment platforms itself has a relatively independent, andBanking functions similar to the system of settlement of accounts
cheap runescape items, directly at a lower price and the Bank of the same or similar services, settlement, Agency collection and payment of Bank business resulted in significant crowding out in the middle. Third-party payment platform has begun to extend resources to offline, by paving POS network and billing system offline business such as Bill, Medicare payment, on the formation of banksA new competition. In addition, third party payment platforms on the Bank's electronic banking forms alternate. After a user has registered third-party accounts, can be done through the Internet, mobile phones and the account transfer payment, collection and payment management, transfer money, credit cards, online payments, online payment, online Fund insurance and bank online banking features such as there is no significant difference, user does not haveNeed to register Bank online banking can facilitate implementation of most of the payment required, making some electronic diversion in bank customers. Making breakthrough in China's banking sector's largest retail bank opportunities in retail banking. Is still in the early stages of the development of China's retail banking, international banking industry still has a considerable gap. The banking business model convergence, still in the lower level competition�� In the high value-added, high technology and high on the risks associated with high-yield of high-end customer markets, and in the global allocation of assets, providing comprehensive financial services to foreign-funded financial institutions there is a large gap. More top private bank, foreign banks have developed a range of mature, a complete system of products and services, and most of the domestic financial institutions is dominated by deposits of goodsCurrency financing stages.
How to grasp the opportunities of the fast-growing retail market, how to optimize the profitability of retail business model, how to build effective customer relationship management systems, has become the Bank of China will face an "break through the collective war". Is innovation in consumer credit products. The new year, national financial work Conference of China four times ended, meeting raised sharp "to adhere toEssential requirements of financial services economy ", as specified in financial development strategies in the post-crisis era.
China is towards the starting point for a new cycle of economic growth, faces shifting from export-driven consumer-driven transformation. Department of Commerce has announced that the "Twelve-Five" business development tasks and priorities, including specific indicators: total retail sales of social consumer goods with an average annual increase of 15%Around 2015, up to 32 trillion yuan.
"The expansion of domestic demand" objective measurements for the first time. And is suitable for consumption of sustainable growth providing a favourable financial environment, devoting major efforts to developing consumer credit business of commercial banks in China, promoting consumer lending business restructuring, on the one hand, and constantly improve the existing consumer credit products, enhanced customer asset managementProject development, existing consumer credit products closer to the real needs of the residents, on the other hand, continuous innovation and consumer credit products, get customers and market demand. Second is to speed up the transition to a high-end business. Rapid improvement of the core competitiveness of commercial banks, filling blank high-end products. Commercial banks should take the initiative to change, increase of product differentiation. Is the base product design fundingDifferentiation, in the case of policy allows, the underlying assets from financial debt, Central Bank bills to expand to short-term financing bonds, general financial debts, take advantage of the present fiscal policy relaxed opportunities for customers outside, group of assets underlying assets extends to the outside equity and structured products, and so on; second time diversification. Reasonable ratio of yield, diversification of flowsSelect the best match based on period receipts; three is to combine assets of RMB and foreign currency assets, introduction of foreign currency financial products, achieving cooperation in foreign currency products.
On the different levels of risk of breaking the earnings of floating and fixed income management product series. Third, rich electronic payment product features. At present, the standardization of commercial banks in the field of electronic commerce offers electronicPayment products, pay including B2C, B2B, C2C payments and paid online agency such as withholding.
To conform to the e-commerce market development trends, commercial banks should draw lessons from successful experiences of third party payment platforms
runescape items, features, and have developed a personalized, enhanced e-commerce flow operation efficiency. Is a combination of market demand, accelerating the mobile payment, phone payments, online paymentsProduct innovation, enhance customer stickiness, consolidate the dominance of the payment business; the second is to thoroughly study characteristics of e-commerce processes in different sectors, standardization of existing payments product function extends to both sides, for aviation, railways, tourism, insurance, utilities, and other different vertical industries to provide a personalized electronic payment solution; third in electronic payment flowRange in the provides funds regulatory, and credit guarantees, intermediary service, to protection buyers and sellers trading funds of security, promote e-commerce industry chain credit grade of upgrade; four is can full using Bank latest launched of "second generation online paid across line liquidation system" (commonly known as "Super Network Silver"), by "a points access, and more points butt" of system schema, for customer provides has CommissionA cross-line authentication, account management, across the capital allocation and row aggregate funds, unified platform directly, unified financial management features such as a one-stop online payment management platform. Four advance financing Center on institution-building. An important indicator of the financial center is the best customer structure. Therefore, to further strengthen the financial centre for the high-end customer service, accelerateTraditional trading center to the "Marketing Center", "relationship maintenance center" changes.
Financial center to expand core deposit, low cost financial security for business growth, and expanded its customer base, which maintain the business growth and expansion of the client base of collaborative and synchronous. (The writer is Deputy Director of Economics, industrial and commercial bank internal audit branch) online statement Gold: GoldLines reproduced above, does not indicate that confirm the description, for investors ' reference only and does not constitute investment advice. Investor operations accordingly, at your own risk.
Others:
沒有留言:
張貼留言