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ORANGE EKSTRAKLASA
Dołączył: 07 Paź 2010
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Wysłany: Wto 13:59, 09 Lis 2010 |
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If say the stock market was financial arena 2007,go up of the most absorbing eyeball " star " , so the part of hero of behind the curtain that what banking acts is unknown to public.
Answer those who hope to had gone 2007, provincial banking the hotspot is quite actually much. Garrison each bank all right from Pu Fayin the site is outspread, go to bourg bank to be about to become reality from Anhui of district of visit of bank of much home foreign capital, add 6 times breath, go up 10 times interest rate of tone deposit reserve, and " from close " new politics a series of chain reaction that caused banking.
Profit pattern follows constrictive policy transition
"Right 2007 for the bank, should saying is to be in a year when the country obtains great progress under the big environment of macroscopical adjusting control. " Xiao Wu of Shenyang of president of the travel in the province generalized the banking 2007 with a such words.
Go up 10 times tone deposit reserve is led, add 6 times breath, banking was encountered 2007 unprecedented " adjusting control door " . It is under the policy with constrictive money, many banks were immersed in unprecedented liquidity difficult problem, individual bank is immersed in even " can borrow without the paragraph " corner. However, money is constrictive bring pressure to the bank while, also brought massive transition motive force.
Provincial president of much home bank all expresses when accepting a reporter to interview, the constrictive policy 2007 is pressure, also be chance, the massive trial that is ability of meet an emergency of market of pair of bank operator, controller. As stood really from close fundamental key 2008, loan resource is ceaseless incline to is rare be short of, if the bank is not changed,pass loan traditionally to drive the deposit, management pattern that extends business, stable client [link widoczny dla zalogowanych], so passivity is immersed in inevitably in the industry competition lieutenant general this year.
And in the change in bank profit pattern, intermediate business and individual business are the height that each bank needs race to control above all. In fact, since this year, occupy in the earnings structure that keeps loan interest to differ income to be in whole bank than already lower and lower, especially since the four seasons is spent, bank loan is restrained strictly, interest poor income decreases to already was become substantially finality. Contrast with this photograph, poundage of orgnaization of finance of our country of before 2007 3 quarters and commission income obtain rapid growth, more than 10 appear on the market bank poundage and commission income are compared go up year of the same term is average grow 80% to control.
Future, as business of private bank, economy, asset those who join the business such as card of industry Wu, cash management, bank is bank of mandatory, electron, comprehensive carry fast, and point to futures roll out [link widoczny dla zalogowanych], the enlarge look of enterprise annuity market, our country commercial bank erupts those who continue to receive intermediate business type grows, avoid benefit to differ income to reduce brought outstanding achievement to glide thereby risk.
Provincial the bank competes more hasten is intense
Since promoting trade bank to enter Anhui 2006, the pace of enlarge look is in Anhui banking more hurried 2007. In November, bank of great start business, the people's livelihood is in branch of Hefei of riverside hair bank before long hind also will open branch [link widoczny dla zalogowanych], east Asia bank also hopeful wins approval this year, become branch of the first foreign capital bank that enters Anhui.
Silver leads the Anhui province to express when accepting a reporter to interview related inspect bureau, the improvement of financial environment, need an open financial competition situation. More and more share-holding system silver advance, can improve Anhui not only cast financing environment, promote the development of local economy better, also will make at the same time Anhui " three-layer stands hand in " financial system is perfected further. Besides, the aggravate that banking competes, will promote Anhui finance to serve farther promotion of the level, for this pair of ordinary common people, it is one big profit apparently good.
So, face more competitor garrison, provincial each bank how look upon? When many president is accepting a reporter to interview, did not advance to express concern to more and more silver. The Rong Yimin's president of branch of Hefei of the bank that start line of business thinks, more and more banks are garrisoned, although can break up a part already some " cake " , but look from another angle, competition just can have progress. Competition can make each bank satisfy client requirement through better product, better service, promote a bank the competition ability of oneself thereby.
King of assistant president of travel Hefei branch celebrates Pu Fayin to express, bank competition already existed in 4 big timeses, it is now only the development as market economy, competitive degree more hasten is intense. How is because this future is provincial,banking structure written, basically will see which bank can more get used to the market, get used to client demand, make oneself core competition ability. Consciousness of common people finance promotes ceaselessly
If say the big ox town that begins from 2006, make the consciousness of conduct financial transactions of compatriots all-time arousal, so, added 6 times 2007 breath, go up 10 times the 2 suite that rate, the end of the year publishs tone deposit reserve are new politics, and be troubled by bubbling with noisely for a time cross an inquiry to accept event of cost incident, team of bank platoon leader, the attention that lets ordinary common people serve to financial policy and bank spends all-time promotion.
A year of in the past, accompany those who follow a CPI to upsurge continuously, how conquer inflation, make oneself asset maintains value rise in value, make the central point that a lot of common people pay close attention to. Then the property of grain of of all kinds of the bank is tasted, national debt, hit new, the paper gold, understanding that can counter-purchase a metal bar to get increasing common people and attention.
And in macroscopical level, to change negative interest rate the current situation is mixed contractive liquidity is excess, central Bank accumulative total is added 6 times breath, standard of interest rate of loan of 5 years of above period from 6.84% rise to 7.83% , interest rate rises nearly 1% . Although only 1% , but right numerous " Fang Nu " for, mean rise from 2008, will return every months more a few the month that differs to hundreds of yuan is offerred. Monetary policy " 39 batches of hoisting jack " might, also begin to let more ordinary people sense be the same as experience.
Even if is to go up tone deposit reserve follows the monetary policy with not quite big concern of ordinary common people this, also caused the attention of a lot of ordinary common people, "Liquidity is excess " , " money is constrictive " , these rare expressions also are alluded by more and more ordinary common people and understand.
Review the adjusting control policy 2007, the biggest to influence of common people life, it is 2 flatlet undoubtedly new politics. The complement that the policy that came on stage in September and the end of the year publish in succession informs, make the intent buying a house of a lot of people that buy a house produces a change, and the Chinese building city that will a few years rise all the time, also appear in the Chu Dong 2007 " inflection point " .
Besides financial policy, 2007, what the bank crosses an inquiry to collect fees is hard and fast, and incident of platoon leader team causes the Central Bank, silver-colored inspect to be able to pay close attention to highly, reflected the strength of popular wishes not only, the arousal that also reflected consciousness of ordinary people finance and pay close attention to what the bank serves increasingly.
Look into 2008, the do all one can on the highway that course of study of Bank of China will still reform in finance is forward, and to ordinary common people, also realize finance and oneself life be closely bound up stage by stage, also raised the requirement with deeper more to the service of the bank. Expecting one year new, provincial the bank can provide more comprehensive, excellent service, service common people lives, the Anhui that help strength rises abruptly.
News source: Anhui business signs up forRelevant Information:
[link widoczny dla zalogowanych]
[link widoczny dla zalogowanych]
[link widoczny dla zalogowanych]
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