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Why can China Merchants Bank become the “King of Retail” of China’s banking industry, while the retail business is developing rapidly – europuppyblog

Why can China Merchants Bank become the “King of Retail” of China’s banking industry, while the retail business is developing rapidly

Why can China Merchants Bank become the “King of Retail” of China’s banking industry, while the retail business is developing rapidly

1 thought on “Why can China Merchants Bank become the “King of Retail” of China’s banking industry, while the retail business is developing rapidly”

  1. At the beginning of the China Merchants Bank’s entrepreneurial business, the president once said that he could only work hard to cultivate retail step by step, to be a large customer base, and attach importance to the user experience. Therefore, China Merchants Bank is a genetic retail bank. In the first position of the joint stock system from 09-10, it was mentioned twice when the position was in danger, and it had experienced the blur period in the middle of several years. In 2014, it was considered to return to retail to the body, and the company and the same industry were the strategy of two wings.
    The expansion information
    The aspect of retail financial business
    1, Internet finance. The country’s first WeChat bank is opened. In addition, China Merchants Bank still has a lot of actions in online finance. It has just established China Zhaolian Consumer Financial Service Company in Qianhai, Shenzhen. In 2014 A series of retail products such as Yingying “and” One Flashing “are basically the road to retail network finance.
    2, credit card business. Credit cards are the first two -currency credit card that meets international standards in China. At present, the number of card issues exceeds 60 million. It is written as MBA teaching cases by Harvard University. Some people say that ICBC has issued 100 million cards, but you have to depend on the degree of activity contribution. In the impression, the average transaction amount of ICBC cards is much lower than that of China Merchants Bank.
    3, financial management. The colleagues of the hearing management department said that the products issued have not been sold, including this wave of bull market markets. The total amount of funds for the financial management of guests exceeded 1 trillion, and private banks led the industry. It seems that the ICBC’s financial management has achieved 1 trillion? The asset management has said two more words. In the past, the state -owned bank was not able to see it. During the period when lying down, you can sit on the ground to collect the mounts. But now the interest rate marketization is still the last kilometer in 2015, and major banks have paid more and more attention to collecting. In the era of capital management, it does not take up capital. In the future, it can not bear the risks. In other words, the business of light capital, such as wealth management and private banks, has become the main battlefield of banks to profit. With the reputation and cultivation of retail customers in the early years, China Merchants Bank accidentally approached a wind.
    4, the relevant number of retail in 2014. Since President Tian proposed to return to retail business as the core, the profit proportion of retail financial business has continued to increase: pre -tax profits reached 29.105 billion yuan, an increase of 23.88%over the previous year, accounting for 39.64%of all pre -tax profits, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -on -year, year -old Increase 5.30 percentage points. The number of private bank customers (referring to retail customers with average total assets of 10 million yuan and above in the company) is 32,880 households, an increase of 28.96%over the beginning of the year; the total assets of private bank customers in managed are 752.6 billion yuan, an increase of 31.71 from the beginning of the year. %.

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