abercrombie new york From the banking industry ,

From the banking industry,abercrombie new york,

A circle, the new joint-stock banks in this respect a considerable way. l,abercrombie hollister, China's financial industry in the financial services a few errors. Misunderstanding: hai l block the pursuit of twenty-eight theory that 2O% of customers create 80% of the profits, then invest in a large target painted numerous clients, while ignoring the financial needs of medium and small clients, ranging from tens of millions of loan funds, as many several hundred million dollars,abercrombie bruxelles, the risk is concentrated in the main a few large customers, which makes large customer relations and maintenance costs increased significantly, too much competition, while small and medium customers shell to drink, not the accumulation of slow on its own Diao Man-development. Error lX -: excessive concentration of loans in the city's large state-owned enterprises at the expense of private enterprises. China's securities market and listed companies are at an early stage, effective regulation needed - given the process, but domestic banks compete for loans to companies, I have been on the part of the financial statements of listed companies, the analysis found that most of the companies assets and liabilities rates are quite high, if - a listed company's current assets of 800 million and current liabilities of up to 7.9 billion,ed hardy bags, most of which are bank loans, and poor earnings power of good yo soap, not even as a small private enterprises , such an unreasonable position to directly influence the rate of bad loans of commercial banks. Myth: the pursuit of The so-called million people without - lost, that is, mortgage, guarantee to be very strong, and some also provide a legal guarantee, personal property collateral, while others plus mortgage guarantees, while others stressed the retention amount, a loan down, toss the customer was exhausted. 2, the cries of the implementation of financial position, brand strategy. China's banks are currently the most lacking is the ability of financial product innovation, customer demand for variety and contradictions in the formation of a single bank financial products, which is the formation of inter-bank competition, the main reason for low efficiency. Thus according to the needs of customers to design new products for customers through the entire economy of the total N-) J [J ~ profitable bank in the future direction of development. How to improve their competitiveness, I think: The first is to develop scientific strategies for development. As the saying goes: the Netherlands industry engine beads, as wind waves. To develop scientific strategies that will help their own advantage, dominate the market. Very few domestic banks can give distinctive features, although it shares with the band ~ JN45-,abercrombie italia, but with more competition between state-owned banks is the same as the nature of competition, from the business, clients, the financial means to speaking, China's banks and there is no significant difference, so - once the customer will fight to the bitter battle. Thus each bank must focus on their development of Lu, to do some things. Such as the Netherlands Bank to enter Hong Kong time, just focus on corporate finance and merchant banking business, but with the banks into the sub-business setting, shifting the focus to residential and mortgage business, Di soap means to enter the market, was launched in Hong Kong soap several times by war, after years of effort, - a little-known Dutch bank to lay the foundation for the development in Hong Kong. Development strategy of innovation is an important factor in enhancing the competitiveness of domestic banks focus on large and comprehensive, while the foreign banks enter the Chinese market is in a small range of selected heavy attack, to seek a breakthrough, like the Bank of Montreal in Canada, many financial products to select only twenty or thirty kinds of them operate,abercrombie barcelona, the advantages of these products in the same industry is highly competitive. Second is to accelerate the pace of development of financial products. Domestic financial products a single, overall competitiveness is not strong, powerful state-owned banks looks like a monopoly, because people did not choose the current private and foreign banks the right. I believe that our great explore the potential of financial products, such as the mortgage business can be , while the insurance company through the development of a flexible shell spit to control default risk premium, when the social rate of default, the mortgage insurance premium increases each, when the social default rates low, due to lower insurance premiums. Depending on the industry to take a different approach is also conducive to financial innovation, such as warehouse receipts pledged to take the best logistics companies to open bank draft form; for a fixed rental income of enterprises, banks can take the pledge means the rent; for education models should be l security companies, ~, j-ej-to take the pledge of accounts receivable. Also can refer to some of the practices carried out abroad, non-recourse factoring, finance leasing and so on. Financial innovation should be based on actual Sui China's financial supervision conditions and a visiting customer needs, so that the risk of increased revenue cavity system, to improve their competitiveness, thus promoting the growth of China's total economy. (Editor: have super meter; proofreading: J)

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