1 thought on “The Development Plan for Jin Commercial Bank”
Dwayne
It is necessary to accelerate the adjustment of the business income structure The scientific and reasonable business and income structure is an important measure to achieve sustainable development, and it is also the main starting point for promoting the development strategy of our industry. It is necessary to reasonably combine the company’s banking business, retail banking business and wealth management business, vigorously develop the retail banking business, actively promote the wealth management business, promote the transformation of the income structure from a loan spread to the spread of spreads to the spread of interest income and non -profit income. Essence The optimal credit asset structure The scientific and reasonable determination of the asset structure determines the quality and efficiency of our bank’s credit assets. In the next three years, the proportion of large, medium and small customers of our company’s asset business should remain at a ratio of 5: 3: 2. It is necessary to support the advantages of small and medium customers, grasp their business characteristics, and establish a business management mechanism that meets the characteristics of small and medium -sized customers. Improve service efficiency, strive to cultivate the basic customer base of our bank; strengthen comprehensive cooperation with other financial institutions, participate in key projects, support advantageous enterprises, and make our bank credit assets more resistant to risk. It to establish a linkage development mechanism for the asset business to drive intermediate business, actively carry out cross -sales and component marketing, and build a new profit model for our banks. On the one hand, the development of investment banking business is promoted by financing business, and various types of investment banking business opportunities such as bonds (short -term financing vouchers and medium -term notes) and reorganization and acquisitions are used to provide customers with financing business. Develop customers and actively develop investment banking business such as financial advisors, departments and arrangements for the target customer base, syndicates and arrangements, asset securitization and comprehensive financial service solutions, so that our bank to obtain more comprehensive business opportunities and expand a broader high -quality customers. Realize the development goals of the diversified income structure of our bank. It to implement the transformation of retail business business models, through the development of wealth management, personal credit, credit card and other businesses, strive to cultivate high -end customers, achieve the growth of debt business, and provide sufficient sources of funds for the development of the entire business. It to speed up and improve our existing marketing channels, integrate existing physical outlets in accordance with the concept of “benefit first, good service”, strengthen the construction of self -service outlets, and make it an effective supplement to physical outlets; at the same time, It is necessary to speed up the construction of virtual channels, develop the functions of online banking, and use the advantages of the Internet to achieve the construction of virtual marketing networks. Achieve the goal of quickly establishing sales channels in low cost and short time. It the concept of process banking, centered on customer, risk control as the core, and re -construction of process. From the overall departure research and formulation of the order, agreement, subordinates, authority, and responsibilities of the main business processes, reduce the internal transaction cost of the bank, prevent operating risks, and improve operational efficiency. It to actively explore the construction of the risk control system, and establish a comprehensive risk management organization system for full -scale, full staff, and whole process. Establish a comprehensive risk management system that includes credit risk, market risk and operating risks, the whole process, quantitative and three -dimensional comprehensive risk management system, forming a unified risk preference, risk management strategy, risk management system and risk management culture of the whole bank, so that risk management runs through the risk management throughout Operating decision -making, capital allocation, product pricing, performance assessment, marketing and other business management process. Comprehensively improve the level of risk management at the combination level, and actively promote the steady development of the business on the basis of effectively preventing and controlling risks. It to establish and improve various operating mechanisms On the establishment of a scientific selection and employment mechanism. The problem of human beings is the decisive factor in the survival and development of the enterprise. We must further improve the scientific and reasonable personnel selection and employment mechanism. In accordance with the principles of focusing on public opinion, capabilities, and performance, to select talents in eclecticism, let go of their hands and feet to use talents, create conditions to retain talents, do their best to use them, and build them as soon as possible. A team of employees that meet the requirements of modern financial companies. The second is to establish a sound business performance evaluation mechanism. Through competition, assessment, and elimination of the last position, the cadres can go up and down, and employees can enter. The third is to establish a salary distribution mechanism with performance as the main assessment content, set up salaries with jobs, receive paid according to performance. Highlighting the front desk, the salary tilted towards the front line.
It is necessary to accelerate the adjustment of the business income structure
The scientific and reasonable business and income structure is an important measure to achieve sustainable development, and it is also the main starting point for promoting the development strategy of our industry. It is necessary to reasonably combine the company’s banking business, retail banking business and wealth management business, vigorously develop the retail banking business, actively promote the wealth management business, promote the transformation of the income structure from a loan spread to the spread of spreads to the spread of interest income and non -profit income. Essence
The optimal credit asset structure
The scientific and reasonable determination of the asset structure determines the quality and efficiency of our bank’s credit assets. In the next three years, the proportion of large, medium and small customers of our company’s asset business should remain at a ratio of 5: 3: 2. It is necessary to support the advantages of small and medium customers, grasp their business characteristics, and establish a business management mechanism that meets the characteristics of small and medium -sized customers. Improve service efficiency, strive to cultivate the basic customer base of our bank; strengthen comprehensive cooperation with other financial institutions, participate in key projects, support advantageous enterprises, and make our bank credit assets more resistant to risk.
It to establish a linkage development mechanism for the asset business to drive intermediate business, actively carry out cross -sales and component marketing, and build a new profit model for our banks. On the one hand, the development of investment banking business is promoted by financing business, and various types of investment banking business opportunities such as bonds (short -term financing vouchers and medium -term notes) and reorganization and acquisitions are used to provide customers with financing business. Develop customers and actively develop investment banking business such as financial advisors, departments and arrangements for the target customer base, syndicates and arrangements, asset securitization and comprehensive financial service solutions, so that our bank to obtain more comprehensive business opportunities and expand a broader high -quality customers. Realize the development goals of the diversified income structure of our bank.
It to implement the transformation of retail business business models, through the development of wealth management, personal credit, credit card and other businesses, strive to cultivate high -end customers, achieve the growth of debt business, and provide sufficient sources of funds for the development of the entire business.
It to speed up and improve our existing marketing channels, integrate existing physical outlets in accordance with the concept of “benefit first, good service”, strengthen the construction of self -service outlets, and make it an effective supplement to physical outlets; at the same time, It is necessary to speed up the construction of virtual channels, develop the functions of online banking, and use the advantages of the Internet to achieve the construction of virtual marketing networks. Achieve the goal of quickly establishing sales channels in low cost and short time.
It the concept of process banking, centered on customer, risk control as the core, and re -construction of process. From the overall departure research and formulation of the order, agreement, subordinates, authority, and responsibilities of the main business processes, reduce the internal transaction cost of the bank, prevent operating risks, and improve operational efficiency.
It to actively explore the construction of the risk control system, and establish a comprehensive risk management organization system for full -scale, full staff, and whole process. Establish a comprehensive risk management system that includes credit risk, market risk and operating risks, the whole process, quantitative and three -dimensional comprehensive risk management system, forming a unified risk preference, risk management strategy, risk management system and risk management culture of the whole bank, so that risk management runs through the risk management throughout Operating decision -making, capital allocation, product pricing, performance assessment, marketing and other business management process. Comprehensively improve the level of risk management at the combination level, and actively promote the steady development of the business on the basis of effectively preventing and controlling risks.
It to establish and improve various operating mechanisms
On the establishment of a scientific selection and employment mechanism. The problem of human beings is the decisive factor in the survival and development of the enterprise. We must further improve the scientific and reasonable personnel selection and employment mechanism. In accordance with the principles of focusing on public opinion, capabilities, and performance, to select talents in eclecticism, let go of their hands and feet to use talents, create conditions to retain talents, do their best to use them, and build them as soon as possible. A team of employees that meet the requirements of modern financial companies. The second is to establish a sound business performance evaluation mechanism. Through competition, assessment, and elimination of the last position, the cadres can go up and down, and employees can enter. The third is to establish a salary distribution mechanism with performance as the main assessment content, set up salaries with jobs, receive paid according to performance. Highlighting the front desk, the salary tilted towards the front line.