商業(yè)銀行外文翻譯國(guó)有商業(yè)銀行打造第一零售銀行的思考(編輯修改稿)
2025-06-26 14:56 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 uation of financial products, shows very clearly that operate over a single retail banking products, added value. Banks this year launched personal finance products, petition, the race to improve customer profitability, ultimately squeezing their profit margins of banks to make huge profits which should have a personal financial products bee the weak. 3, single channel marketing and service. Singlechannel marketing and service is reflected in two aspects: one referring to the same products, marketing and service channels, single, retail banking is essentially based on the counter and ATM sales and service, although telephone and Inter banking in evolving, but the service cumbersome and function of the single makes its application is limited, but the Industrial and Commercial Bank of China39。s Inter banking is an exception, a strong and secure service that allows its World39。s Best Inter Bank in the title is not either substance. The other is the retail bank39。s marketing and service channels are not fully used up, a single marketing product. 4, brand missing. ICBC, the numerous variety of financial products, bank cards only have a dozen kinds of products much, but people know is that Peony credit card. Abstract slogan your side of the bank, reliable bank is very hard to understand, much less pleasant to experience. Than the Western countries, China39。s retail banking business there is obviously inadequate: only from the view of the profitability of bank card business, foreign bank card from the difference in interest rates, fees, overdraft interest ine were 10% and 70%, 20% , and the three corresponding national ine accounted for 70%, 20%, 10%, mainly ine from the interest rate clearly reflects the fact that the profitability of our lack of bank card business。 in consumer credit, consumer credit in the Western countries line of credit in the proportion of 20% 40% more than in between, some even as high as 60%. That the Chinese banking sector is not engineering, agriculture, construction, in the tradition of the times the four lines, and retail needs of the brand and experience, WalMart stands for Always low prices, McDonald39。s is synonymous with fast food, Starbucks to bring you unique experience. Our retail banking business has not one has its own unique brand. Second, less developed credit system, the development of retail banking is the main constraint 1 Lack of credit system, leading to a bank resident asymmetric information. At present, mercial banks and between the residents, in fact, there is a wide range of information asymmetry, namely the banks, consumerrelated information in the Silver A transaction between the two sides plete and asymmetric distribution. Residents and asymmetric information between banks performance in many areas, such as banks and credit of the residents of personal ine is very limited grasp of information, the residents present and future personal ine and spending and so on inplete information. Consumer credit applications are personal ine, the amount of property, liabilities, and whether any bad credit records and other personal credit information, bank decisionmaking is very important but it is difficult fully informed of banks。 or by personal research to learn but the high cost of information search, worth the candle. These show that China has been implemented in the current realname system deposits, assets declaration system has not yet fully implemented, credit information system is almost blank background, the two sides of the transaction, Bank Residents is concerned, there is information asymmetry is almost a certainty . 2, information asymmetry has hampered China39。s retail banking business. Asymmetric information can easily lead to adverse selection and moral hazard, that is, those looking for consumer credit, the most active and most likely to get loans to consumers, credit is often poor, leading to bank credit customers make the wrong choices, this is adverse selection。 borrowers have consumer loans, from the banks perspective, the risk may be very large and should not be engaged in activities which involved changes in the bank and the borrower agreed to loan use, this moral hazard. Adverse selection and moral hazard to the bank to bring a higher uncertainty. In order to avoid exposure to bad debts, to reduce the possibility of loan losses, banks in handling personal banking business to
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