The bank of foreign
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Interview.Write=Week
The end of August, "The Wall Street Journal" report( CitigroupInc.,)Is in so as push forward the
銆€銆€"Actually,(China)In retail bank business is' Citigold', start510 thousand dollars,110 thousand dollars. If Zhang50? 100The administration", the relevant
This signifies , is in"It"Route in, and capital bank current the masses that serve for common people route still has great difference, the other banks of foreign capital is also not exceptional. Its reason lies in , on the one hand, policy enters the bank of foreign capital definitely to open do not be half a year, they need time to carry out network layout , on the other hand, they need to have more customer foundation and resource, if this two conditions do not have , can not go"Popular".
Various sign shows that"Popular"What in face is that end stratum, when stare
It"It"Is not
This in the"It", is not
銆€銆€"The bank of foreign capital is impossible to go to popular route, the water in now that capital bank takes , news , burn the intermediate businesses such as angry cost, the bank of foreign capital is impossible to do , because intermediate business is for them , nearly has no profit"InvigorateManage money expert remains Yi analysis, the wealth of the bank of foreign capital management is still high end customer, since put out manage money product comes to see , it is in end stratum mainly to be also not to face the masses , and it is limited for opening an account to take administration fee for the insufficient account of amount of money to use in, capital bank does not get any restriction. It is taking remiting plentiful bank as example, remit plentiful retail bank business location is managing with wealth mainly. Since present network resource is limited, remit plentiful offer stress to manage money reputably to serve. Manage money reputably remit plentiful when the personal wealth of whole world management brand, information shows that now is already in world35A country and region50%Manage money reputably
According to remit the stipulation of plentiful bank, entering outstanding manage money threshold is , same customer number takes off have account to keep only in month day the total RMB of remaining sum500,000More than Yuan or equivalence, may500,000It is first or300Cost in first service month. Not manage money reputably customer remits the standard of plentiful installation if reaching , may also enjoy free service. For example, day in all account month under same customer name total remaining sum does not be lower than RMB100,000It is first or equivalence can exempt150Cost in
In fact,4Month, Chinese district personal financial bank business general manager of national city bank of New York Li Ya Wen has expressed that colored flag not only has high end business , will also put out to keep close to the related business of the life of ordinary people , may set up network and points in some cities that can't imagine and regions in the future.
But its service7Month5Day Beijing of national city bank of New York that formally starts business Kun Lun sub-branch is regular, distinguished guest manages money customer minimum comprehensive account remaining sum at least is80The equivalence foreign currency8The equivalence foreign currency
This and remit the service rate discrepant song of plentiful bank same the place of work, will pay certain service cost when customer account remaining sum is insufficient. In capital bank in the aspect of account charge, also begin to try charge. For example, work trip, for day remaining sum is few300First account3It is first. In compare with
銆€銆€"No matter colored flag remits still", Shanghai manages money to specialize in institute president Xu Jian clear think , taking national city bank of New York as example, it is actually a all-round , synthesizes type bank, it is so called"It"Customer in is high end group, it has essential difference with the domestic ordinary popular concept of common people. Many domestic consumers think that they are high end group services, this and pass enter policy definitely relevant. Because Chinese policy allows them to offer service in designated scope only, and these scopes is high end group, therefore many persons mistake thinks they enter popular route is to face ordinary common people. Even if in other Asian countries, the popular route of colored flag is also impossible to aim at ordinary common people.
Have ulterior motives , the bank use of foreign capital spreads all over the network of whole world offer for inland consumer more manage money product, in get through various service way more high end customer resource in, as capital bank is biggest challenge. Hold a memorial ceremony for popular route big flag, the bank essence of foreign capital lies in to arouse the attention of more consumer , and in their really main dozen, the strategy of high end customer group is still to will not change. From this meaning , no matter national city bank of New York is still the other banks of foreign capital, is theirs"It"The popular routes of domestic
What deserve to be noticed in is that though the popular route of capital bank is not the last goal of the bank of foreign capital, but it accords with condition that they can select on popular market"It", and offer service for
National- -A typical
Various sign shows that"It"For the tradition of elephant, turn
銆€銆€8Month9Japan, the Shanghai of Hong Kong"Hubei has remited", is is local to offer financial service.
Remit plentiful bank this"It"In a epitome of service is pulled open in this"It"It is the popular service of common143Calendar history remit plentiful bank
Data shows2005Pure income is3255It is first , goes to popular route than from it high end route, the bank of foreign capital the change of this strategy signifies that they have begun to divide type infiltration carefully according to the consumer of mainland China. Last annual increase319Yuan10.8%, remove the influence6.2%; Taking economic developed22Is on the head2006Year7335Yuan increases10.5%; Even owe the developed14.3%, income level
Along with the unceasing increase of per capita income, peasant as manage money the demand of market is more and more big. Though 4 large countries have bank to have the advantage of network and points , farming letter society even city firm network have extended countryside market, but manage money in countryside market aspect is in blank in other words, the bank of foreign capital enters countryside to manage money market, undoubtedly, have played the part of the role of picking up to lose to fill a vacancy.
Though now, the bank of foreign capital only remits plentiful bank to obtain batch , enter countryside market, but national city bank of New York has taken place long ago aimed at countryside market with small credit way a carry out a psychological attack war and infiltration war.
Actually2005Year11Month8Japan, Guizhou province Qian southwest cloth unites town according to the clan state mood benevolent county 4 of Miao ethnic group Ya state of Wei of bridge village Xiang have gotten the head that colored flag group foundation and United Nations Development Program issue jointly to fall due"The global"It is first-class to award. With state
The background2005Year is international small credit year"The global"Planned enforcement and bonus grant. This is that national city bank of New York enters a channel of countryside through small credit network , passes to borrow small credit , national city bank of New York has known the financial market of Chinese countryside.
The campaign participation has2007Year6The endBankField association sponsors , in Ministry of Labor and Social Security, nation-wide the Women's Federation and the miniature award campaign of business founding that Chinese small credit promotes network to be helped to hold , colored flag group foundation has become the assistance side of main force.
This shows , it is abundantly clear that the"Repair". No matter national city bank of New York remits plentiful bank still, these banks of foreign capital once start popular route massively, and formally start countryside financial market in, will give the impact with powerful capital bank.
Is actually besides national city bank of New York , no matter dregs dozen banks remit plentiful bank still, this 3 first bank internal capital banks that starts business has brought not little impact. Though their many services high end customer, but enter inland must want accomplish is the accumulation of customer resource, and reduce threshold however being the one of most effective method of accumulation customer.
An Bang consults financial analyst Xu Bin to analyse to say, it is to seek foothold that national city bank of New York enters Chinese service in high end market, the other banks of foreign capital are also so. As inland manages money , market releases constantly, the bank of foreign capital has seen manage money huge space, they when manage money the threshold of market installation already step by step when is close capital bank.
It is that for genuine high100010 thousand dollars,25Well-known customer, offer in mainland China to not hold customer high to manage money service, enter threshold to be not imagination so high. The great wisdom put out by national city bank of New York manages money customer minimum comprehensive account remaining sum is810 thousand510 thousand Yuan changes sentence
The bank
The speed of the bank of foreign
Data shows5Remit plentiful37Domestic( 2006Remit plentiful10Business); Dozen12Domestic(Chongqing),8Domestic3Domestic representative place12Increase23Domestic branch increases1415Domestic sub-branch; National city bank of(Bank has Guangdong501Domestic); Permanent2006The quantity15Home.
銆€銆€2006At the beginning( B CG)A copy of report about Chinese"Heartening". The average asset13%The proportion that controls increases , private bank business presents more wide prospect therefore. This authority of Boston company is reported , undoubtedly is for foreign capital bank circle land the best comment of sport.
The expansion of network and points is the one of essential condition that the bank of foreign capital enters market. Besides, these banks of foreign capital are attempting to pass through various channel, in understanding inland produces stratum form and detailed personal information.
Shanghai makesCEOTang Han Lin shows , they now is offering service for the domestic bank of foreign capital , major content is in produce the detailed information such as enterprise situation, financial asset, family background and the fixed assets of stratum to offer to foreign capital bank. The report that the bank of foreign capital offers according to them, having in especially is produce stratum to carry out service.
Should say that private bank business has become the one of business that all financial institution pays attention to seriously, because this has really brought rich profit to them. Taking national city bank of New York as example, private bank has become the profit in national city bank of New York to contribute one of biggest business.2006In year, the global20.2100 million4.39100 million dollars.2.610 thousand private2080100 millionTheThe experience of the
It is considered that Xu Bin analyses , once policy is relieved further, the bank of foreign capital passes the network layout of a time , can also enter the popular market of capital bank. In fact, they for service customer threshold reduce gradually, it is also the shop pad of early stage that enters popular market. This also transmits a signal: Offer service with high end service as popular market , aim at carrying out market thin minute further when geting firm customer resource, and have specific aim launch different product, so, satisfy the demand of different level, this in will as capital bank has greatly kill and wound force.
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