解密“金橙俱乐部” 平安银行打造投行混业平台构想

Decrypt the pingan bank "golden orange club" mixed platform to build investment Banks

"Golden orange club, aims to build a platform of sharing resources, a bearing the banking, securities, financial club club, fund, trust club matching platform." Ping an bank / - 1.73% funding research to assistant governor Zhang Jinshun had an interview with our reporter said.

"Golden orange club" is the beginning of ping an bank's investment banking article offline brand. So far, club members, including 11 brokerages, 26 large enterprise group finance companies, more than 50 city firm and bank and fund sales agencies by a third party, the future will also absorb fund companies, trust companies and insurance companies.

"In fact this is mixed platform of Mr Ma has been want to do." In southern China a shares row middle personage says, "pingan bank play a 'golden orange club brand, gathered a number of financial institutions, establish business cooperation relations, the play is financial mixed, asset management."

While Zhang Jinshun told reporters: "in the differentiated regulatory environment, customer demand will be integrated in the future, along with the Internet financial speed up the rhythm of the financial services, 'fast rhythm + comprehensive financial force we must set up for the customer resources sharing platform, to provide comprehensive one-stop financial services."

At the beginning of building architecture

On February 1, 2013, "golden orange club" of ping an bank, strategic cooperation conference held silver-colored card, with citic securities [- 0.93% funding research to], guosen securities, essence securities, China merchants securities [- 0.09% funding research to] such as brokerages signed a cooperation agreement, 11 brokerages as "golden orange club" the first batch of VIP member.

"Set the tone at the time, is to make golden orange club into a class from a brand, the main brand asset management." Ping an bank, a mid-ranking members say.

Zhang Jinshun openly said that the expected business in investment banking, information technology, funds, futures business, fund settlement and financing business, brokerage, etc, and the club members to carry out all-round cooperation, strive for the first quarter in the asset management business break through 50 billion yuan.

Three months later, ping an bank continues to move later layout. Including the financial company, shenhua corporation, China aviation group 26 large enterprise group finance companies, financial companies, invited to silver goods cooperation BBS held peace, and there are 24 financial company become a "golden orange club" member of the second batch.

On the BBS, Zhang Jinshun is put forward for the first time about the concept of the "golden orange club" - makes for high net worth investors, financiers, investment banking intermediary and high-end communication platform for pedestrians.

In August this year, according to a person familiar with the will hold a "silver base" (fund) cooperation BBS, "plan this year to hold a 'bank-trust cooperation BBS (trust), to complete the golden orange club members in financial institutions, the basic coverage."

"Ping an bank is good at build platform, and keen to build platform. But now stage shelf just take a good, can attract the performer in the above scampering, that depends on the stage is more strong, supporting Settings have more attractive." The foregoing meaningfully said shares line in south China.

Reporter learned that, at present the pingan bank has more than wealth "golden orange" series of products, including golden orange pool information technology planning, finance product, etc., and managed by the investment bank line two money "treasure" combined class financial product pool remaining amount has reached 36.6 billion yuan.

According to introducing, including Banks, securities companies and other orange gold club members can use its own funds for wealth management products, or recommend to the customer to buy ping an bank wealth management products, also can recommend to ping an securities financing projects, and different ways such as financial consulting, sales expenses Shared benefits.

Extend to silver silver platform

So far, the golden orange club, there are two derivative brand - "golden orange line E club" and "golden orange housekeeper".

Via line "E" silver silver cooperation platform for pingan bank launched in 2011, in "line via E" so far has more than 50 online bank, covering outlets more than 5000, covers the nanchang, guangdong nan yue bank, bank of Inner Mongolia and other city business, bank and rural credit cooperatives.

In July this year, ping an bank will formally via line "E" silver silver platform belongs to the "golden orange club", and renamed as "golden orange line E club", which means "golden orange club" membership scope extends to the Banks.

Ping an bank Shao Ping is "line E club" may be defined as "the implementation channels, products and talent sharing platform".

According to Zhang Jinshun focuses more on the past trade business line is a money transactions between commercial Banks, through standardized tools to implement. Offline silver silver platform, while investment Banks focus on the design of non-standard products, for different clients to customize their own financing, it is difficult and tricky is higher, but, in turn, benefits and risks are also higher.

"City of ping an bank platform similar to the firm, bank, in wealth management, securities underwriting and other business seeking greater cooperation in space." Zhang Jinshun truth.

According to reporter understanding, at present already in "line via E" platform online business modules including credit card payments, precious metals, third-party depository agents, sales of wealth management products, premium receipts and payment, funds, foreign exchange, such as the upcoming gold cast surely, brand agent to pay online or gold or gold on a commission basis, counter, fresh on a commission basis, multi-channel financial cooperation (Liu Jin, tencent, ali), the series business such as plates.

"Line in the 'E' platforms, each member can be wafted upward products and projects, so as to construct a borderless cooperation platform, or a 'financial products supermarkets'." Zhang Jinshun revealed, "open platform can realize win-win."

But ping an bank investment banking line people also speak to the reporter, at present stage via line "E" is far from mature, including product specifications, release the requirements of the product's membership qualification, the investors and threshold, the details are still to be implemented.

Another derivative brand - "golden orange housekeeping, has launched for the first time by end of may, with the aim at target customers, and it is now rendered polarization third-party fund sales company.

Since February 2012, the third party fund sales after the flood, many try to water agencies face the biggest problem is: big initial investment cost, credit is difficult to rapidly develop and risk-control ability is weak, and the high fees, funding, management fee and tax more squeezed the profit space. Had a estimates, third-party fund sales institutions with annual sales of more than 2 billion, can guarantee the profit and loss balance.

"Ping an bank's advantage is that can be paid with the introduction of institutions, consulting agencies, and relying on the group's IT business system, for third-party fund sales institutions provide sales capital collection, financial supervision, clearing operations, the next step can even provide portal for these institutions, such as sales system IT support." Zhang Jinshun so introduces to the reporter.

"' golden orange housekeeper put forward a package of services, it is seized the third-party fund sales institutions' reduced in the system construction and operation team link repeated construction and the cost of inputs such as' psychology." Guangzhou, a banking analyst at the truth.

"Big heald billiton" guess

Ping an group within the integrated development, more refers to cross-sell between each subsidiary within the group and business synergy.

Whereas Zhang Jinshun idea, want to peace within the group "small ensemble billiton", relying on the golden orange club platform, extends to the group between the external financial institutions "too big to harness extension".

"But whether IT is a small ensemble extension or large ensemble extension, IT must have a mature business support system, this is the technical foundation." Zhang Jinshun said.

Reporter discovery, mentioned above via line "E" silver silver platform, not born out of thin air, and peace within the group's existing platform via the "E".

Via the "E" on the platform, the carrying is ping an group, many "small ensemble billiton" departments responsible for various business linkage between the subsidiary and the project match. IT systems and support its business, referred to as "group E marketing system".

As in the case of a state capital twelve billion, ping an bank, investment bank design plan is issued by ping an securities company debt 7 billion [0.01%], ping an bank issuing 4 billion medium-term notes, and to provide long-term loans 1 billion yuan of comprehensive financial solutions.

And as to Beijing's land reserve center 29 billion financing project as an example, the financing amount is larger, ping an bank and in conjunction with ping an information technology company design with the creditor's rights investment of insurance funds project financing mode.

"The two financing case, is just the peace group subsidiaries in the group E tong 'platforms to complete a microcosm of business cooperation." Ping an bank toward a line said.

But also have peace corp insiders told reporters "nitpick" : group has pointed out comprehensive financial strategy, is still in the simple aspects of cross-selling. Each major subsidiaries have been fragmented, unless the project requirements, profit distribution, hit it off, or you'll internal synergy advancing the project in a number of subsidiaries, is not easy.

Toward the people in the line, however, disagree, "since late last year, the group will be" all gold "is defined as" to customers as the center, a customer, a account, multiple products, one-stop service. ""

"Positioning is certainly different, exactly 'one-stop' service group's subsidiaries and degree of coordination efforts, remains to be seen. But" fragmented "claims must be exaggerated." "He added.

On the one hand is to speed up via the "E" platform within the group, the perfect pace, for each major unit of cooperation; Ping an bank, on the other hand, and holding the thought "line via E" first financial trade cooperation platform.

"In fact this is the mixed platform, Mr Ma has been want to do is just first hit by ping an bank investment Banks' golden orange club brand." The south China region shares line said.

If yes, how to promote and improve the group's "integrated financial strategy, not all ping an's consideration and thought. Is carried by the "golden orange club", ping an group "small ensemble billiton" transition to a "big heald billiton", eventually to build mixed financial platform ambitions.

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