如何使銀行服務(wù)于龐大的小型／微型企業(yè)市場(chǎng)-展示頁(yè)
2025-01-20 14:10本頁(yè)面
【正文】 Cross sell and upsell other banking products ?提供理財(cái)產(chǎn)品 Offer Wealth Management products交叉銷售 —— 共同創(chuàng)造業(yè)務(wù)增長(zhǎng)機(jī)會(huì) Cross Sell Cocreating growth opportunities通過(guò)風(fēng)險(xiǎn)投資機(jī)構(gòu)提供股權(quán)融資 Equity support through VC firms 結(jié)成伙伴，為印度的中小企業(yè)提供融資 Partnering for financing SMEs in India增長(zhǎng)中的個(gè)人財(cái)富Growing personal wealth提供投資咨詢服務(wù)Offer Investment advisory support12分行 Branch以客戶為中心 Customer FocusTraditional單一的業(yè)務(wù)來(lái)源 Single source of acquisition 分行 Branch互聯(lián)網(wǎng) Inter電話服務(wù)中心 Call Centre移動(dòng)電話 Mobile伙伴 Partners采用多渠道來(lái)獲得客戶 Use multiple channels for client acquisition接近程度 Proximity 接觸 Touch使用方便 Ease of use安全性 Security客戶經(jīng)理 RM產(chǎn)品Products方法 Approach業(yè)務(wù)獲取Acquisition 評(píng)估Assessment 監(jiān)控Monitoring交付Delivery電子郵件 Email客戶 Customer客戶 CustomerICICI銀行 I Bank傳統(tǒng) Traditional傳統(tǒng) Traditional傳統(tǒng)方式 Traditional13貸款申請(qǐng) Loan Application 風(fēng)險(xiǎn)控制 Contain RiskOld根據(jù)財(cái)務(wù)報(bào)表進(jìn)行信貸評(píng)估 Credit appraisal based on financial statements信貸評(píng)分模型 Credit Scoring Model 行業(yè)經(jīng)驗(yàn) Industry expertise集中化審批 Centralized sanctions產(chǎn)品Products方法 Approach業(yè)務(wù)獲取Acquisition 評(píng)估Assessment 監(jiān)控Monitoring交付Delivery客戶 CustomerICICI銀行 I Bank傳統(tǒng)方式 Traditional全方位評(píng)估 360 degree evaluation貸款主要集中于 Lending predominantly focused around:? 預(yù)先篩選出的集群 Preselected clusters? 公司連接客戶（產(chǎn)業(yè)鏈／供應(yīng)鏈關(guān)系） Corporate linkages? 參數(shù)化 Parametrisation14風(fēng)險(xiǎn)控制 Contain Risk分行 Branch事后監(jiān)控 Post facto monitoring專門的清收部門 FocusCollectionsunits貸款組合監(jiān)控 Portfolio Monitoring? 借記卡 /信貸卡總和Debit/ Credit Summation ? 逾期信用證 /銀行保函/EPC單 Over due LC/BG/EPC Bills早期預(yù)警信號(hào)和貸款用途監(jiān)控 Early Warning Signals enduse monitoring無(wú)信貸交易 No credit transaction?借記卡 /信貸卡結(jié)清 Rounded Debit / Credit? 積極主動(dòng)的監(jiān)控 Proactive monitoring? 培養(yǎng)了解和評(píng)估各領(lǐng)域信貸風(fēng)險(xiǎn)的能力 Building domain capabilities to understand and assess credit riskICICI銀行 I Bank傳統(tǒng)方式Traditional產(chǎn)品Products方法Approach業(yè)務(wù)獲取Acquisition 評(píng)估Assessment 監(jiān)控Monitoring交付Delivery15分行 Branch成本效率最優(yōu)化 Cost optimization efficiency以分行為主要交付渠道 Mainly branch based delivery集中化運(yùn)營(yíng) Centralised Operations互聯(lián)網(wǎng) Inter電話服務(wù)中心 Call Centre?多種交付渠道 MultiChannel delivery?集中化處理，以保證速度和一致性 Centralisation for speed consistency 信用卡 Cards自動(dòng)提款機(jī) ATMs分行 Branch 客戶經(jīng)理 RM產(chǎn)品Products方法Approach業(yè)務(wù)獲取Acquisition 評(píng)估Assessment 監(jiān)控Monitoring交付DeliveryI BankTraditional傳統(tǒng)方式16客戶數(shù)量比 2023財(cái)年增加了 X increase in customer base over FY04業(yè)務(wù)量比 2023財(cái)年上升了 growth in trade volumes over FY04 我們的業(yè)務(wù)模式推廣實(shí)現(xiàn)了初步成功 We had achieved initial scale up...17ICICI銀行所采取的方法 ICICI Bank Approach 提綱 Agenda管理客戶關(guān)系 Managing Customer Relationships建立創(chuàng)新的中小企業(yè)業(yè)務(wù) （中小企業(yè)銀行品牌） Building an innovative SME franchise 新興的增長(zhǎng)領(lǐng)域 Emerging
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