Coffee-flavored bank 'retail-oriented' business world network operators [i] Note from the current point of view, the bank is actually a coffee community banks. This form of break bulk way to rely solely on access to profits, the bank channel and product marketing distributed to each specific consumer format, which is the retail formats. Wen / Zheng Di edit / i world network operators Ting Sheng, China Merchants Bank and South Korea's largest coffee chain brand \u0026 mdash; \u0026 mdash; coffee with you Caffebene start innovative collaboration \u0026 ldquo; \u0026 rdquo ;. coffee Bank In a sense, coffee Bank is currently the most domestic banks are trying to \u0026 ldquo; Community Bank \u0026 rdquo; one of them.
But, and the general community-based bank is different, this time to the Community Bank of China Merchants Bank moved into the coffee shop, the financial services and specific business form combines. From the point of view of development trends in the banking sector, the Bank's future \u0026 ldquo; retail management \u0026 rdquo; will be a new attempt. Banks also retail-oriented banking is weighing country, assumed the entire national economy financing and credit. As the largest industry financial assets, banking chiefs have long been accustomed to do business with a particular wholesale thinking, in the face of long-term shortage of credit markets, accustomed to the project credit, the bulk of credit, with standardized processes and means to control risk . This also resulted in a phenomenon currently China's financial system: in the long-term interest rates under control, the company's business projects by way of credit and trade financing, combined with the progress of industrial development, with a similar docking B2B business realize the bank credit growth and the rapid expansion of assets. In addition, the financial market operations, but also through funding bill business to achieve liquidity of banks and other financial formats. As a result, the initiative funds gradually strong corporate and Group precipitation, while small and micro businesses and individuals without a credit history it is difficult to obtain funding in this way. Retail banking operations, is to break this simple way to get the channels rely on large profits, the bank channel and product marketing distributed to each specific consumer format, which is retailing. Retail-oriented features is the bank to become a part of the retail chain, rather than detached in an industry, simple role of financial provider. And the best practices into the idea that retail is the entity and a particular format dock directly to a transformation of retailing retail business of the bank, the bank's retail cultivate the soil. And large project business compared to the bank's retail business giving room for improvement lies in the future, which is to provide sufficient customer base for the transformation of a resource bank of the future. This has opened the interest rate market are not unrelated, is bound to reduce the bank's deposit and loan spreads in the market in this round, even a direct threat to the viability of some small and medium banks. The retail operation to broaden the bank's sources of income, the extension of financial services chain, the financial services into the retail formats, to conduct a comprehensive bank cards, microcredit, financial products, electronic banking and payment subsidiary, billing, marketing, and other aspects of integration financial services. The new attempt: the transition into the community from the current development of commercial banks, the banks how to bypass electricity providers, social networking platforms and other large flow channels get their clients become the main task in the short term. Since the banking system electricity providers, as well as direct bank credit card mall concept introduced livelihood, in the user stickiness and frequency of use can not and traditional electricity supplier finance compared to the bank's online services more back-end money supply and customer service, and in direct c end do not have the core competitiveness. It is also because of this, the major lines keen to \u0026 ldquo; \u0026 rdquo ;, community banks sought to extend their frontier service port, access to life, business and convenient links to the bank's financial services directly c end, hope in this way to establish their own customer relationship management channels and marketing channels, to establish a direct channel banking products and services. Coffee Bank mission is carried by the extension and customer portal access to banking services, and to some extent traditional outlets can be part of the product marketing business. But in the management of operations, this particular retail banks should learn from the idea, rather than the idea of bank deposit and loan assessment to manage. Bank is a risky business operations, business development before it is necessary to weigh the cost and availability of capital gains, and FTP through internal pricing for profit assessment, if below, the other can not do it, so as to avoid the bad assets back burden. As for the retail industry, the best interests of customers, in order to complete a stable of customers and channels, even if short-term subsidizing the expense. If the coffee to go into the retail banking business circles, it is necessary to accept the change, to cater to the consumer, to do more to sink service, catering to consumers. On the business process and system settings, such grafting a specific form of commercial banking services, should give customers more experience and the ability to choose the order in front of banks, in the background should be demand-driven foreground, in the background to match demand It will bank's existing business model and the ability to raise greater challenges. The retail sector is a service cumbersome, complex products industry, and banks are essentially standardized products, banks need to do more in the background system optimization portfolio to meet the front end of the financial needs of a variety of retail, good standardization while making personalized service. Barriers and challenges of community banks from the current point of view, the bank is actually a coffee community banks.
China Banking Regulatory Commission has issued a clear specification of the specification before the community bank network layout, including licensed operations, manned and unmanned mode, and follow the matching area and other resources, as follows: 1, licensed operators: No. 277 Wen urged all localities CBRC Office is only responsible for the application of the first instance jurisdiction of community banks, the CBRC submit required after the trial. Community branches, set up small micro branches should fulfill the relevant administrative examination and approval procedures, the implementation of licensed operations. 2, mode location: Community Bank points \u0026 ldquo; Some people \u0026 rdquo; and \u0026 ldquo; no \u0026 rdquo; two modes, rather than the industry had widely circulated a \u0026 ldquo; three categories \u0026 rdquo ;. Wherein the \u0026 ldquo; Some people \u0026 rdquo; outlets must be licensed, \u0026 ldquo; no \u0026 rdquo; it must be a buffet, there is no intermediate form. 3, regional restrictions: small and medium commercial banks should carefully research, analyze the financial needs of different regions, depending on the regional scale, the effective number of customers and consumer spending power, consumer habits, and local conditions set up. Since it can be summed up as community banks, we need to obtain the approval of the local banking regulatory bureau to offer coffee-based services to support community loveless wigs banking services.
For now, the CBRC Cosplay Costumes supervision of community banks holding conservative, cautious. Of course, because of the varying degree of supervision over the community banks hole is not completely closed, but stressed that regulators licensed operators, does not mean that close. Even if ultimately did not get qualified community banks to be converted to unmanned self-service banking, in order to wait for deregulation policy.
Of course, there is reason to believe that this channel will eventually change the bank into the daily work of a range of regulators, community banks under the line, all types of retailing banking, and online direct banking, the future will become an extension neon genesis evangelion wigs of the channel banks , while the real banking system will become the background + mode channel extending in Taiwan's business processes will be integrated. Coffee bank, full of flavor retail, channel change this attitude is worthy of recognition. However, the taste can be a lasting aftertaste, depending on whether the bank really sucks retail practice for financial services reengineering. (This article originally appeared in the olfactory tiger, the i world network operators editor, all reproduced, please indicate the author and source) [Further reading], 'coffee-flavored Bank \u0026 ldquo; retail technology \u0026 rdquo; management' and 'CITIC: Design recycling \u0026 ldquo; Retail Banking \u0026 rdquo; '' Chinese and foreign banks retail \u0026 ldquo; new play \u0026 rdquo; '