交战互联网金融 平安银行发力赶超同业

The Internet financial pingan bank hair force surpass the trade

With pingan bank (21.60, 0.18, 0.83%) management structures and the integrated business system online, ping deep love running smoothly. However, the final and means that it is a new beginning, pingan bank as a peace group, one of the three major business plate internally, will be carrying what functions within the group, in which foreign and catch up with the other path joint-stock Banks?

Yesterday, in the Chinese peace [micro bo] (52.28, 1.63, 3.22%) for the first time at the 2013 extraordinary shareholders' general meeting, the general manager for HuiChuan and chief financial officer YaoBo respectively from different angles draw the outline of a portrait of pingan bank development blueprint.

The Internet financial will be pingan bank in competitiveness

In fact, the shareholders' meeting is to prolong the issue 26 billion yuan convertible bonds, although at present the validity of the 26 billion issue of convertible bonds has obtained the approval of the circ, but has not yet won other relevant regulatory final approval. But shareholders are likely to pay more attention to the integration of just the end of the ping an bank.

This year in January 10, peace at the bank of the eighth of the board of directors meeting 24, shao civilian life ZhaoJiChen kibaki, SunXianLang, ZhangJinShun approved officially join pingan bank, marked the pingan bank management the basic structures. In "a President, vice President, eight three President assistant" personnel framework, the original peace system, original shenzhen development system and the people's livelihood is interacting with each other, different management style also needs to be running in.

After the new management in place, a new development strategy is put on the agenda, nowadays, pingan bank whether in business scale or profitability, all in stock listed Banks relative ranking by the position, how to catch up trade as its the main task.

In the business development strategy, according to YaoBo introduction, pingan bank short-term or in the tests of business is given priority to, the future will realize retail business and tests of business and driving development, more long period of time will rely on peace group in the retail business advantage to emphasize on the development of retailing.

"Ping an bank has set a clear development strategy and stage goals, and we hope that 3 ~ 5 years can reach the middle of the stock listed Banks echelon, five to eight years can enter the first echelon stock listed Banks. YaoBo in a shareholders' meeting special explained, here said the stock listed Banks do not include four major state-owned Banks.

In fact, the four major state-owned Banks is the most obvious advantage is the physical network layout broad and profound, and this is pingan bank rivals, so network expansion is also ShaoPing since taking office of one of the key business. It is reported that in 2012, ping an bank in the national 27 cities with more than 400 business outlets.

However, the network expansion is only a kind of the form of reality, not pingan bank future competitiveness of the core, as Mr Ma previously speak, pingan bank entity outlets but hundreds of home, and icbc layout has been more than, according to the traditional offline layout, it is difficult to catch up, and the network provides a corner beyond opportunity.

"Peace bank will use a new development path, and simply rely on the traditional physical expansion. On the one hand to improve the output of a single site, on the other hand, to use modern science and technology, especially the Internet technology, mobile terminal technology to seize the future new customers requirement. Let HuiChuan said, hope customers through our service to realize financial services is not transparent, need to run more nodes of complex system.

Pull the cross selling new carrier

Cross selling as peace group comprehensive financial strategy of the concrete embodiment, make the best use of the resources, both within the group and transformed into "a customer, an account, a variety of products, one-stop service" the reality of the picture.

In the past, cross selling more is to rely on peace its insurance business especially life insurance to pull, however, with the overall growth of life insurance industry downturn, for cross selling P.E. should also highlight, and started a new integrated pingan bank is expected to took the insurance baton, becomes the impetus cross selling more deep and lasting growth of new carrier.

Pingan bank cross selling is the most direct is the credit card business. 2012 years ago to the third quarter, the peace of the bank card business revenue growth of 136.25%, the bank new hairpin quantity 3.03 million pieces, year-on-year growth of 85.17%, with diameter of comprehensive financial cross selling effect is remarkable, and through the group cross selling new card quantity of greater than 56.24%.

"Banks have strong shelf function, adjustment function and account management function, it to the customer capital precipitation, financial management, can provide more powerful than insurance account service function. Let HuiChuan said.

Let HuiChuan explanation, peace group's comprehensive financial strategy is divided into several stages, not only on cross selling. "Recently, we put forward peace to be a leading personal business primarily integrated financial services group, here the important meaning is that we should embark from the customer rather than from the start, respect customer experience and comprehensive financial demand, this is a very important concept of transformation, is the comprehensive financial second stage."

"Because the path of peace from insurance, so first started to make good use of insurance already some more than 7000 customers, especially high quality customer base to help bank development; the future must be bank help group completed comprehensive financial idea, through the bank's shelf function to provide all kinds of financial services." He said.