中小企業(yè)銀行業(yè)務(wù)的國(guó)際趨勢(shì)whatisansme-文庫(kù)吧
2025-02-08 04:05 本頁(yè)面
【正文】 Risk Management–IT MISDeliverables:–Diagnostic Report? Executive Summary? Bank’s Financial Performance? Gap Analysis? Benchmarking and Rating–Remendations for Improvement–Technical Assistance Proposal?Stateoftheart (SOTA) Bankthe Bankthe Peer Group7主要發(fā)現(xiàn) Key Findings? 中小企業(yè)銀行業(yè)務(wù)是一個(gè)機(jī)會(huì)，盡管挑戰(zhàn)不少，但這是一項(xiàng)盈利十分高的業(yè)務(wù) SME Banking is an opportunity and despite its challenges, it can be very profitable? 即使是在經(jīng)合組織國(guó)家，那里的銀行也還處于學(xué)習(xí)和改善其中小企業(yè)銀行商業(yè)模式的階段 Even in OECD countries, banks are still learning and refining their business models – 許多參與項(xiàng)目調(diào)查的銀行都已開(kāi)展了多年的中小企業(yè)銀行業(yè)務(wù)，但他們現(xiàn)在仍然在不斷地改善其商業(yè)模式，以提高利潤(rùn)率和／或拓展業(yè)務(wù)范圍 Most of the participating banks have been in SME Banking years but they are constantly revisiting their business model to improve profitability and/or outreach– 現(xiàn)有商業(yè)模式的創(chuàng)建時(shí)間大都少于兩年 Current business models tend to be less than 2year old216。有 11個(gè)商業(yè)模式仍處于起始階段 11 models are still in an early phase216。在總共 17個(gè)模式中，只有 6個(gè)基本處于定形階段 Only 6 models out of 17 in total are in a relatively definitive shape216。這 6個(gè)較成熟的模式中，有 5個(gè)仍在進(jìn)一步改進(jìn)中 Of these 6 developed models, 5 models are still being improved 8主要發(fā)現(xiàn) Key Findings實(shí)例：一家銀行最近與另一家銀行合并，以便將其商業(yè)模式拓展到更多的分行中去；一家銀行目前正在進(jìn)行信貸流程再造和新產(chǎn)品開(kāi)發(fā)；一家銀行目前剛推出一種針對(duì)小客戶的新產(chǎn)品 Examples: One bank recently merged with another bank to find a way to expand its model to a greater number of branches。 another bank is currently working on reengineering its credit process and new product development while another is currently launching a new product to reach smaller clients9項(xiàng)目參與銀行將中小企業(yè)業(yè)務(wù)提升到戰(zhàn)略高度 Participant Banks View SMEs as Strategic…? 仍然未被開(kāi)發(fā) Still underserved“ 我們將中小企業(yè)視為需要進(jìn)行業(yè)務(wù)滲透的關(guān)鍵領(lǐng)域，因?yàn)樗€是一片未被開(kāi)發(fā)的處女地 ” “We looked into SMEs as a critical area to perate given the untapped opportunity”? 將其與經(jīng)濟(jì)的其它部分結(jié)合起來(lái) Integrated with the rest of the economy“ 我們大多數(shù)的私人銀行業(yè)務(wù)客戶都是中小企業(yè)業(yè)主 ” “The bulk of our Private Banking clients are SME owners”? 多樣化 Diversified“ 銀行需要實(shí)現(xiàn)貸款組合的多樣化，使收入來(lái)源形成從小到大的層次，而不僅僅通過(guò)并購(gòu)來(lái)擴(kuò)張 ” “The Bank needed to diversify its portfolio, granularize its revenue streams and not just engage in MA”銀行總收入增長(zhǎng) 來(lái)自中小企業(yè)業(yè)務(wù)的收入增長(zhǎng)中小企業(yè)業(yè)務(wù)收入增長(zhǎng)與銀行總業(yè)務(wù)收入增長(zhǎng)的比較中型企業(yè)市場(chǎng)小企業(yè)業(yè)務(wù)10… 中 小企業(yè)銀行業(yè)務(wù)是有利可圖的 and SME Banking is Profitable…“處于資金饑餓狀態(tài)的中小企業(yè)是銀行業(yè)的最后一塊蛋糕 ” “The cashhungry SME market has bee the banking sector’s latest sweet spot”“一個(gè)金額為 5萬(wàn)美元的無(wú)擔(dān)保透支（典型的中小企業(yè)貸款）為銀行帶來(lái)的收入要比一個(gè)金額為 30萬(wàn)美元的住房貸款更多 ” “A $50,000 unsecured O/D, the typical SME loan, often generates more revenue than a $300,000 home loan”“中小企業(yè)在數(shù)量上僅占整個(gè)貸款組合的 10％，但卻為銀行貢獻(xiàn)了 50％的收入 ” “SMEs represent 10% of our portfolio in numbers, but they generate 50% of our banking ine”中小企業(yè)業(yè)務(wù)與銀行整體業(yè)務(wù)的資產(chǎn)回報(bào)率（ ROA）比較銀行整體 ROA 中小企業(yè)業(yè)務(wù) ROA中型企業(yè)市場(chǎng) 小企業(yè)業(yè)務(wù)11… 當(dāng)然，該業(yè)務(wù)還存在一些切實(shí)的挑戰(zhàn) Despite Real Challenges? 適當(dāng)?shù)男畔⒓夹g(shù)／管理信息系統(tǒng)工具 Appropriate IT/MIS tools? 適當(dāng)?shù)漠a(chǎn)品提供方式 Adequate product offering? 得到管理層和員工的重視 Gaining attention from management and staff? 積累市場(chǎng)知識(shí)和經(jīng)驗(yàn) Building market knowledge中小企業(yè)銀行業(yè)務(wù)面臨的三個(gè)最主要挑戰(zhàn)總部對(duì)此缺乏興趣利潤(rùn)率低 缺乏市場(chǎng)信息產(chǎn)品缺乏 IT工具 員工保留 ／聘用其它競(jìng)爭(zhēng)經(jīng)營(yíng)層面缺乏關(guān)注中型企業(yè)小型企業(yè)12主要發(fā)現(xiàn)（ 2） Key Findings (2)? 小企業(yè)銀行業(yè)務(wù)和中型企業(yè)銀行業(yè)務(wù)是兩種非常不同的業(yè)務(wù)，它們需要不同的商業(yè)模式、業(yè)務(wù)流程和擁有不同技能的團(tuán)隊(duì) Small business banking and medium enterprise banking are two very different businesses that require separate models, processes and specialized teams? 中小企業(yè)銀行業(yè)務(wù)并不僅僅是中小企業(yè)信貸業(yè)務(wù) SME Banking is not just SME Lending – 存款和交易類產(chǎn)品是銀行中小企業(yè)業(yè)務(wù)的主要利潤(rùn)來(lái)源 Deposits and transaction products are the main drivers of SME profitability13產(chǎn)生收入：信貸并不是關(guān)注的重點(diǎn) Ine Generation:
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