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<南边周末>An article, a total of foreign banks in China. to honour the birth of conferences promise when, at first, slowly release the financial markets, but this time say with landmark significance.. I feel funny is, has been owned by country from the banking system in the face of foreign banks can blow may also wish to rest? for example, once I do a remittance service, eight just to go fast, half the time I arrived, there might be five small behind me, according to my observation, even at the helm of each business year in five minutes, I speculate until I do business to most hours thereafter. Maybe I too picky Can not care about multi-station half an hour? I want to see why so years they worked long, the Council simply to explore each document must be uniformly covered more than three chapters, course, in order to ensure peace of funds, a clear duty, should have procedures to ensure only wish. . But the seals are tight and the incorporation of the possible? With the office of marketing, said this is the working process (PROCESS) of the subject. .
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South over the weekend: 29. .
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□ reporter Shu-mei. .
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"Never far away, from away from the more recent" This is HSBC 一句广告词, it simply reflects the aspiration of foreign banks in the partnership. Right now, the Chinese government liberalized the end of the age restrictions on foreign banks, foreign banks are committed to the Chinese side of the bank. .
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April 2, Banner Bank, HSBC, Standard Chartered Bank and Bank of East Asia four foreign banks in China more than 20 provinces (cities) of outlets to open at the same time. .
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This is the day of landmark significance. Since then, foreign banks in China and Chinese banks have the same location, may wish to provide civic currency deposits of Chinese residents, deposits. Previously, they only serve to institutional clients. This means that, in the end they crossed the barriers into the delightful to the grand final to China's wholesale banking market. .
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"This year is our first year in the Year of China." After the interview, the employee happens to coincide with several foreign banks had expressed their happiness. "We have rush up and ready to full capacity, a go." A foreign bank branch president told reporters. .
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Four banks, there are eight foreign banks to get permission from the Chinese regulators, the reorganization of its domestic branch offices for banks, these banks, including Mizuho Corporate Bank, Mitsubishi Tokyo UFJ Bank, DBS Bank and ABN AMRO Bank, etc.. Closure of these banks are currently operating. This is 12, the line expected admission of foreign banks and many many. .
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"To China!." .
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In fact, four foreign banks before the flop for the bank, more than 70 foreign land bank in China has established 238 business branches, simply branches numerous, but foreign banks have been unable to deeply China's financial market. As of the end of 2005, in the Chinese market, they are citizens of currency deposits, the only, according to a 0. .55% Of the share. .
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Who can this market can be careless? Goldman Sachs Group (Asia) Managing Director, Fred, an unlimited company with over 50 large financial institutions to explore communication, they first would have surprised the increase in China's banking sector. Over the past 5 years, and even some country's deposits increased for the negative form, China's housing deposits expanded 62%, auto deposits reached 110% increase, at the same time, consumer deposits is still not a piece of equipment land. Under this form, who underestimated the market, who would give up the opportunity it gluttonous? . .
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"Treat us terms, the 1.3 billion Chinese means extremely large potential market." Standard Chartered Bank Beijing Branch President Guoling Yan said. China's household savings loans balance had reached 2 trillion U.S. dollars. This wealth of treasures in front of the Chinese and foreign financial institutions to recover enough to play illustrates resistance. .
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Included in the WTO, China for the final closure of all financial services to foreign investors to develop a five-year transition period. The first closure of the foreign exchange business for Chinese residents, followed by the citizens for the currency business for Chinese enterprises, the final closure of the citizens for the Chinese currency business people. They could only while under the WTO, close followers, held under the layers of restrictions on their unlimited expansion. .
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Now opened the door in the end. .
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Foreign banks prepare a big hope in the most profitable financial market and the size --- Chinese banks per se, of course, Chinese banks in the network at present, international resources and so on in foreign banks, but foreign banks the upper hand can not be underestimated, professional, financial served thick and rich as well as products, are quite popular among China's high-end business persons of good. .
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Banks have done their best. .
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According to Chinese networks and Ipsos FT (China) jointly launched in February this year, the Chinese business persons to visit about financial needs, nearly 30% of respondents said they would be the depositary bank for the foreign banks, while 45% taxi said they were still wavering. .
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As Chinese banks had the same mind, there are 1,786 in the disability business to respond to the visit, China's well-paid class of foreign banks are particularly funny. Spending on business in more than 30,000 yuan persons, 36% of foreign banks indicated that they would change to a monthly expenditure for business persons in 10000-20000 yuan 33% said they would be exchanged for foreign banks ,20000-30000 in January of business expenditure persons in some 29% consider switching banks. .
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"岂 on how, if the foreign banks that previously absorbed by the still limited to 'foreign currency held by a large number of poor in China', so now you should add to the 'China poor' was." The president of Standard Chartered Bank China, said Gui Xuan. While the foreign banks competing for the phenomenon have not yet strong to the close combat, but for high-end customers, the position of foreign banks has been unusual initiative. They are the Chinese market have done their best. .
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Standard Chartered Bank, a client manager's description of their orders to the customers visit. Longitudinal weekend days, he went to a Beijing real estate luxury villa. The real estate prices per square meter in the 10,000 to 20,000 yuan currency among citizens, bought a villa up to citizens to more than 5 million yuan currency. Can afford such a house, the natural purpose is to usurp foreign bank clients. .
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Visit clients in a class before he had done enough, after that the owners of Hunan, the client manager and even specifically bring Hunan chili sauce as a small gift. After that meeting, he did not knife ax to dumping, but rather side small talk, the first volume of the side business of foreign banks civilization, unwittingly closer intervals. .
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According to Fluent in the Chinese market to get a good mess, the image of foreign banks on behalf of bank customers in general held a comprehensive training managers, and even how to even visit the customer should maintain the smile, speak kind words should be used and the tone, both the pleading of a set of scales. .
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In order to adapt to the Chinese market, foreign banks play a more spiritual recovery elaborated. Recently a number of high-end community in Beijing, there were many places on foreign banks account manager. From the major golf courses, various international club to "do not know the level of" this club, all sports action with foreign banks account manager. An account manager, told reporters that they have to do is with the high-end customers, "narcissistic", simply this loss of market expansion is not cheap, but often far higher than the input can be received in return. .
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Standard Chartered Bank Beijing Branch of Standard Chartered Bank Guoling Yan will increase in China's market strategy, summed up the image of that "broadening and deepening, strengthening and technology." .
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The so-called "broad," which is to be committed to adding as much as possible branches; "deepening" is a global network of vertical foreign banks to provide more products and serve international customers; "enhanced" is the backbone of customers stressed loyalty, focusing on the customer's pocket and pulled out has been more money, not the simple to the growth of new customers; At the end of the "transformation" is the constant of office. .
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With foreign banks stop deep in the Chinese market, some foreign banks and even put paragraphs into the community. They transformed that previously only in high rise central business district to open a bank to do, and entered the bank outlets in Beijing, Shanghai, Guangzhou and other Chinese cities high-end line community. If past experience that put the business elite that is committed to serving the face, then at this point they hope the Chinese people's "good neighbor." .
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"We are trying to build a warm feeling of fun." Flag of the ancient North Branch, president of Bank of Shanghai Shu-Ling Zhou said. Settled in the ancient North Community --- Ancient North community meeting many high-end real estate in Shanghai --- almost a year old North Branch of the flag bank has to "neighbors" of the Community Club. Mentioned flag, residents mouth came, "flag bank ah, that is, the house where coffee can be charged."Flag to show all the details, "" people pose some vacation inhabitants may wish to receive the Festival greetings, Dragon Boat Festival, every customer will be able to taste the banner Bank, the bank employee had caught my eye saw the child, in conjunction with the normal everyday, all types of candy.
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Similar to the strategy, the Bank also implemented. "Never far away from the more recent", this sentence has advertisements recently or in the transmission of television "bombing" Chinese customers. Advertisements are hinted at HSBC in China's long history, 142 years ago HSBC in Shanghai and Hong Kong, HSBC is one of the first back to to the local market of foreign commercial banks, they enter the China market ambitions — to the Chinese people close to the Bank. Currently, HSBC is the largest foreign banks with branches in China, it has 35 branches.
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Some banks are committed to the growth model of health "image". From Hong Kong BEA currently has 27 easy outlets, forefront, in the growth of the Chinese market, they also have their own singular strategy.
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"It was a role model. "A lot of comments so I thought. In 2001, the CBRC has announced the closing of the Western region as the "green channel", the Bank of East Asia is incremented as soon as possible, in August, Xi'an branch was opened; at the end of last year, the CBRC issued the small I financing business management facilities, BEA adheres to the company, will be a scheduled to land at the local and the products and wait for the reply of the China Banking Regulatory Commission new ... These are BEA earned in front of the Chinese Government's outstanding impression.
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"Health" of the reward model is considerable. QDII (qualified domestic institutional investors) business, elucidating the original play and not eye-catching flag scramble at the Bank of East Asia, such as a large line made a limited number of seats.
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The market's prediction, this first release of 4 banks in foreign financial institutions where the coming in may approximate the Chinese line in China's financial system in place in market share, they are hopeless and accounts for foreign banks in China with a market share of 60%-70%.
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Now just apply the symbol meaning greater practical significance — they also need to adopt a CBRC time viewing real at first lessons after attesting to the lending business, "but once you let go, we push the speed of the new business will be very surprised. "A foreign branch of the Bank said.
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Only bottleneck.
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At present, most of the frustration of foreign banks expansion is not a policy, nor is it funds, most headache is the lack of Finance before.
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HSBC said before in China did not find sufficient number of suitably selected to support its expansion to spread out. HSBC China business CEO Ung Tomizawa said that exploring a sufficient number of staff with experience and give them appropriate training, is he the greatest challenges.
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"This (employment) is our biggest obstacle. "Ong Tomizawa said. "Here's how to reach the overall experience in one of the less environment management banking business of high rise. ”。.
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His speech highlighted the Chinese financial-careers in strong before World War II. This field is not produced in the world of Chinese banks, also in foreign-funded banks and, indeed, in between the foreign bank in China.
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According to the press last year, the quarterly xiaochang at this field before the usurpation of warfare has intensified, more foreign investment in China is between banks scramble for a representation of the customer experience team has already grown to extremely strong. In order to "usurp" and "anti-seize" foreign competition open offer code, in this intense rivalry, and even produced a foreign customer representation team of the keynote is large part emptied, move to another House of foreign banks.
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HSBC is expected this year in China will employ 1000. The current line to the number of employees and local to 3000.
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Organisations are dealing in international terms of approximate number of employees. Standard Chartered Bank, this is not the purpose of employment for all. Last year, the number of employees in China that line from 1200 to $ 2200.
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