2012 China Banking Industry - Top ten trends and outlook(11)

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Yang Kecan, Volume of Mobile Banking Transactions of Shanghai Pudong Development Bank Exceeded Six Billion Yuan, March 14, 2011, http://www.financialnews. /kj/txt/2011-03/14/ content_350432.htm. Lan Binzhen, Mobile Banking Enterprise Edition Is Launched into the Market— New Progress by Shanghai Pudong Development Bank in the Mobile Financial Field, Economic Observer Network, November 29, 2011, . cn/2011/1129/216700.shtml. Development of Mobile Banking: Trends, Issues and Innovation, Hebei News Network, September 21, 2010, http://finance. /2010-09/21/ content_732790.htm.

We expect the greatest beneficiaries of mobile banking will be individuals and businesses -提升资本管理迎接新的挑战 15 in remote regions. 2012年中国银行业十大趋势与展望 The mobile financial services available by various banks are aimed at urban populations. Brick and mortar construction, both bank branches and ATMS, is still the primary delivery channel for financial services in rural areas. With financial services in short supply, the demand in rural areas for mobile financial services is high. With a strong foothold in urban environments, rural outposts represent new pockets of growth for mobile financial services; improving rural access to financial services will be a primary focus for banks moving forward.

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2012 China Banking Industry Top Ten Trends and Outlook—Enhancing Capital Management, Meeting New Challenges

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2012 China Banking Industry - Top ten trends and outlook

VII. for commercial banks

七、私人银行业务是各商业银行角逐的战略新兴市场 Private banking is a strategic emerging market nichePrivate banking has been developing in China over the last 5 years, and various banks are exploring its long私人银行业务是以客户关系为主的高端综合银 term development potential and service model. Private行服务。高端客户服务的模式是一站式的财富 banking consists of high-end comprehensive banking管理服务，包括财富管理、个人储蓄、遗产和 services focused on the customer relationship. The税务计划等。私人银行的特点，就是为高净值 private banking model provides a dedicated banking的客户提供专属的银行经理，用更私密的方式 manager to high net worth customers to privately discuss全力倾听客户的期望，并非单纯地推销金融产 wealth management, personal savings and estate and品，而是依据客户独特的需求提供个性化的投 tax planning matters. The model not only promotes financial 46。私人银行在中国的发展只有资和管理products but provides more personalized 4~5 attention for investment and management decisions年，各银行还在摸索它们的长远发展潜力和服 46 based on务模式。 the unique profil

e of the customer. Currently, little is being done by banks to differentiate products and services based on the availability of private在现阶段，各家银行在其私人银行市场定位上 banking services. There are no obvious differences没有很大的分别，欠缺差异化。例如，现在各 between the products and services provided at the银行本身的零售银行贵宾服务网点与私人银行 banks’ own branch offices that provide retail banking部门所提供的产品和服务没有明显的区别。但 VIP services and the private banking departments of the不能否定的是，私人银行业务是各商业银行角 banks. The competition for private banking clients is逐的战略新兴市场。特别是本身拥有强大个人 heating up, though, and banks recognize the potential银行业务的中资银行，具有发展其私人银行业 of developing their private banking business further (see Figure 8).务的潜力(见图 8)。

Figure 8. Proportional Distribution for Various Major Businesses of the Top Four Chinese Banks in 2011图8四大中资银行2011年年度各主要业务的占比分布 Bank of China Industrial and Commercial Bank of China中国工商银行其他 Other Personal Banking (Note)个人银行业务 (注) Capital资金业务 1% 21% 21%

中国银行

资金业务 Capital 11%

其他 Other 6%

个人银行业务 (注) Personal Banking (Note) 25%

公司银行业务 Corporate Banking 61%

公司银行业务 Corporate Banking 56%

Agricultural Bank of China

中国农业银行

China Construction Bank

中国建设银行资金业务 Capital 32%

资金业务 Other Capital其他个人银行业务 (注) 3% 0% Personal Banking (Note) 23%

Other其他 0%

个人银行业务 (注) Personal Banking (Note) 17%

公司银行业务 Corporate Banking 74%

公司银行业务 Corporate Banking 51%

个人银行业务公司银行业务其他 (注) n Personal banking (note) n Corporate banking资金业务 n Other n CapitalData Source: 2011 annual reports of the top four commercial banks.46

注：个人银行业务包括财富管理和私人银行服务,个人贷款业务,个人储蓄存款业务和银行卡业务数据源：四大商业银行2011年年报

和讯网：私人银行金融业的新战场， 10月21日， http://bank.hexun. 2011-10-21/13442 html

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: Private Banking: New Battlefield for Financial Industry of China, October 21, 2011, / 2011-10-21/134429328.html.

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2012 China Banking Industry - Top ten trends and outlook

伐正在加速。例如，招商银行计划 2012年初 2011年，中国一共有 16家中外资银行在 22在香港设立境外私人银行，应客户对境外投资个城市开设了 150家私人银行机构，管理资伐正在加速。例如，招商银行计划 2012 2011年，中国一共有 16家中外资银行在 22 in the number of customers (see Figure 10).48 Chinese年初 In 2011, China had a total of 16 Chinese banks and的

需求，招商银行着力为客户提供更多渠道和产总规模超过 30,000亿元 47。中国银行和花在香港设立境外私人银行，应客户对境外投资个城市开设了 150家私人银行机构，管理资 banks are also accelerating steps to expand overseas foreign banks that had opened 150 private banking产品，留住客户资金以支持中国内地和香港的旗银行是最早在中国开发私人银行业务的银 branch networks. China Merchants Bank plans to institutions in 22 cities. Total private banking assets的需求，招商银行着力为客户提供更多渠道和产总规模超过 30,000亿元 47。中国银行和花经济发展 49。行(见图 9 ) exceeded 3,000 billion yuan.47 Bank establish overseas private banking in Hong Kong。另据资料显示，中资银行占据 under management产品，留住客户资金以支持中国内地和香港的 …… 此处隐藏：5117字，全部文档内容请下载后查看。喜欢就下载吧 ……