平安银行转攻小微 拟5年内进入股份制银行第二梯队

Pingan bank turn attack small joint-stock Banks to enter the second tier within five years

On March 8, the arrival of ping an bank after more than four months, shao and its original minsheng bank staff, current Sun Xianlang, Zhao Jichen pingan bank deputy governor, in ping an bank earnings conference in 2012.

Senior personnel changes at the same time, ping an bank will also usher in a new change. In results briefing, ping an bank's management said, the future will focus on the more credit resources, the bank will be small micro business bigger and stronger.

Pingan bank deputy governor Xie Yonglin said, through China's ping an comprehensive financial platform, ping an bank do small business has a unique advantage, such as large customer base and sales channels. Only China's ping an each subsidiary to cross-sell, last year for the bank brought in 15 billion yuan of new deposits. In addition, the original SDB's supply chain business is more powerful.

To fit the needs of the development of small micro business, ping an bank in terms of product already started to prepare. Xie Yonglin introduction, starting in the fourth quarter of last year, the bank product testing has been carried out. Should be in the first quarter at the latest not more than the second quarter, will try the products effective and efficient sales and service means, and on this basis, large-scale replication.

And on the specific path, big strength of electric business and financial network, will be ping an bank small business "powers" the breach of the target. Shao Ping, said the bank's future small business, personal consumption credit business, and even the development of the future, depend on online implementation.

"Network business matters, our architecture transformation, business integration, development goals and strategies are moving in this direction." He said, is currently and business negotiation.

In order to develop small business market, since last year, many Banks have been adjusted, such as minsheng bank established industries group, while China merchants bank will allot 5 million yuan of the following small micro loans of retail banking.

"Our first big action this year is to adjust organization structure, through the adjustment, can make us more close to customers and markets." Pingan bank director ChangSunJianYi said, believe the adjustment effect is better than before.

In fact, ping an bank also begin to adjust organization structure. According to the planning, ping an bank over the next three to five years to joint-stock Banks to enter the second tier, five to eight years into the first tier, eight to ten years is given priority to with the retail business.

Shao Ping introduction, organization structure adjustment, will revolve around "three-step" strategic goal. According to the plan, the bank will launch some customers division, industry division and product department, and the organic integration of background, in order to realize the specialization and intensive business needs. Consolidation is still in progress.

In September last year, after Shao Ping as ping an bank, the original minsheng bank staff have joined ping an bank executive team. On March 8, six executives attending the sales conference, including Shao Ping, there are three people from minsheng bank. Also think the outside world, as the "department of the people's livelihood" executives to join, ping an bank will increasingly appear the shadow of minsheng bank.

"This a few months had three people from minsheng bank, pingan bank's senior management team, from other Banks also came a lot of people." Shao Ping said, although minsheng bank's small business do very successful, but never copy pingan bank.

"Ping an bank has its own strategy, our group business model as well as other Banks will not, products, target market, strategy has its own characteristics, we never copy others." He said.

However, for ping an bank, joint-stock Banks to get into the first tier is a long way to go. To serve the livelihood of the people and the two Banks, for example, in 2011, the people's livelihood and societe generale net profit of 27.9 billion yuan and 25.5 billion yuan respectively, ping an bank and the gap is 15 billion yuan respectively, 17 billion yuan.

In 2012, the gap is still widening. Results letters show that minsheng bank's revenues last year more than one hundred billion yuan, net income of 37.5 billion yuan, the bank is 34.7 billion yuan. According to ping an bank's latest annual report, last year net profit of 13.4 billion yuan only.

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