創(chuàng)新合作模式,再造業(yè)務流程共建農行德賽二手房按揭的核心競爭力-文庫吧
2025-04-27 20:59 本頁面
【正文】 conforming mortgages C o n s u m e r s Brokers (26%) Correspondents (35%) Retail (39%) Smaller players Wholesale originators Top 25 players (~50% market share) Held on books by Agencies Held on books by lenders Conforming mortgage purchases NonAgency investors Banks Dealers Life insurance panies Savings amp。 loans Others Pension funds Inefficient Origination Investing 美國按揭發(fā)展的歷史對中國按揭市場的發(fā)展具有借鑒作用 美國按揭業(yè)務價值鏈已演化為三個截然分開的環(huán)節(jié) ： origination, investing and servicing Retail originators Increasingly efficient Highly efficient Increasingly efficient Chase % Norwest % Countrywide % WAMU % Bank of America % Servicing Chase % Bank of America % Countrywide % WAMU % Norwest % Servicing rights Top 25 servicers (~50% market share) Fannie Mae Freddie Mac Ginnie Mae Agencies Mortgagebacked securities 資料來源：遠卓知識庫分析 14 銀行等放款機構專注于核心競爭力的建設與提高，紛紛將非核心業(yè)務外包 收款 放款 按揭手續(xù) 辦理 營銷與 銷售 產品設計 收款 放款 按揭手續(xù) 辦理 營銷與 銷售 產品設計 Pre_agency Current 銀行壟斷房屋按揭業(yè)務，負責產品設計，營銷
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