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<南边周末>An article, all foreign banks in China. to honour the birth of stresses and promise, my hand and slowly release the financial markets, but this time say with landmark significance.. I am most interested interesting is that the country has been spared our award-winning, State-owned banks, foreign banks in the face of the combat ability may also wish to rest? for example, once I do a remittance service, eight had hurried off to, half the time I arrived, followed by roughly five privacy, according to my observation, even each business efforts in five minutes, I guess I do most of the hour from this business. I may be too picky, can not care about multi-station half an hour? I would like to see their efforts why so long dormant, simply present the end of each document should be uniformly covered more than three chapters, of course, in order to financial stability to ensure a clear obligation to ensure that it might deserve a program. . But the seals are tight and the incorporation of the possible? With dormant marketing program to say this is the Managing Partner (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 voice of the synergy of foreign banks. 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 position where, may wish to keep the Chinese residents of Lebanon's currency, deposits. Prior to that, they can only to institutional clients managing partner. This means that, in the end they crossed the barriers into the much desired end to the wholesale banking market in China majestic. .
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"This year is our first year in the Year of China." In the course of interviews, several employees of foreign banks have expressed their similarly prosperous of. "We have tight and prepared to hype a go." A foreign bank branch president said to reporters. .
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Four banks, the foreign banks have made eight Chinese regulatory approval, will be the restructuring of its domestic branch offices for banks, these banks, including Mizuho Corporate Bank, Union Bank of Tokyo-Mitsubishi, DBS Bank and the Dutch bank and so on. Currently the banks are planning closure. 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, although many branches, but not long-term foreign banks have been China's financial market. As of the end of 2005, in the Chinese market, they are Lebanon's currency deposits, the only occupation of 0. .55% Of the share. .
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Who can look down this market? Goldman Sachs Group (Asia) Managing Director, Fred, an unlimited company with over 50 large financial institutions in the present communication, they first would have been surprised at the increase in China's banking sector. Over the past 5 years, and even some country's deposits increased by a negative situation, China's housing deposits expanded 62%, vehicle deposits reached 110% of the rate of increase, at the same time, consumption is a deposit or not the building land. Under this situation, who underestimated the market, who would spurn Tantalizing opportunities? . .
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"Look we are concerned, the 1.3 billion Chinese means a large potential market for the special." 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 China, foreign financial institutions espoused a sufficient resistance. .
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Participate in 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 Chinese companies of Lebanon for the currency business, the final closure of the residents of Lebanon for the Chinese currency business. They are also the delineation of WTO rules can only work with the best teachers, the constraints in the implementation of its own layers of infinite expansion. .
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After all, today opened the door. .
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Preparation of a big foreign banks the most profitable areas like financial markets --- and Chinese banks, per se, of course, the current Chinese-funded banks in the network, international resources and so on in foreign banks, but foreign banks the upper hand can not be underestimated, professional, strong financial dormant and sub-products, high-end business persons in China are popular hobby. .
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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, China's financial needs test impact statements business persons, nearly 30% of respondents said they would be the depositary bank for the foreign banks, while 45% taxi said they are still watching. .
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As Chinese banks had the same concerns, there are 1,786 in the disability business to respond to the test, China's well-paid class of particular interest to the foreign banks. 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 some 29% of persons in the more bank notes. .
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“岂论怎样，倘使说以前外资银行所吸收的还限于‘持有多量外币的中国穷’，那么当今则该当扩张到‘中国穷’了。”渣打银行中国区总裁曾瞡璇表示。固然中外资银行的竞赛尚未剧烈到短兵相接的境界，但在争取高端客户上，外资银行的样子已经异常主动。他们正在中国市场上各显神通。.
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Standard Chartered Bank, a client manager, told reporters portray their clients visit the old cases. Use of weekend work, he went to a Beijing real estate luxury villa. The real estate prices per square meter in the 10,000 to 20,000 yuan between Lebanon's currency, buying a villa up to over 5 million yuan of Lebanon's currency. Can afford such a house of natural objects is the usurpation of foreign banks customers. .
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Visit clients in the course He has done before, that after the owners of Hunan, the client manager of Hunan chili sauce as well as specifically to bring a small gift. After the meeting, he did not single-handedly dumped straight to heaven, 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 understanding the Chinese market in order to get a good mess, the image of foreign banks on behalf of banks account manager to implement a full workout in general, as well as links to how to even visit the customer deserves the smile, words deserve to use what kind of vocabulary and tone, has a set of scaling the beg conditions. .
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In order to adapt to the Chinese market, foreign banks have also espoused a more spiritual. 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, are poured a foreign bank account manager. A client manager, told reporters that they do is with the high-end customers, "narcissistic", even if 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 "wide" and is committed to as much as possible to expand branches; "deepening" is the use of a global network of foreign banks to provide more products and managing partner of international customers; "enhanced" is the backbone of customers stressed the kind degree, focusing on the customer's pocket and pulled out have more money, not just to launch a new customer; At the end of the "transformation" is the connection of Managing Partner. .
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With the foreign banks in China to connect the long-term market, some foreign banks as well as put above, into the community. They turn in the kind of in the past only in the high rise central business district to open a bank to do, and entered the bank outlets in Beijing, Shanghai, Guangzhou and other Chinese high-end line will be the community. It fall said they strive to put past managing partner of the face for the business elite, then today they hope the Chinese people's "good neighbor." .
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"We are trying to build a warm and leisurely feel." Flag of the ancient North Branch, president of Bank of Shanghai Shu-Ling Zhou said. Settled in the ancient northern communities --- communities of ancient North accumulate a large number of high-end real estate in Shanghai --- almost a year old North Branch of the flag bank has to "neighbors" of the Community Club. That flag, residents mouth came, "flag bank ah, that is, able to charge at that coffee place."Flag to show all the details, like "people first", some residents may wish to receive vacation 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 colleges, all types of candy.
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As tactics, HSBC is also implemented. "Never far away from the more recent" this sentence advertisements recently in broadcast or TV "bombing" Chinese customers. Advertisements are hinted at HSBC in the profound history of China, 142 years ago, HSBC has traded in Shanghai and Hong Kong, HSBC is one of the first returned to the foreign commercial banks in the hinterland of the market, but also that 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 carrying out the "Kyu" image surface. From Hong Kong BEA currently has 27 trading outlets, forefront, in the Chinese market, they also have their own special tactics.
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"It was a Kyu table. "A lot of comments so I thought. In 2001, the CBRC has announced the closing of the western regions for foreign banks "green channel", BEA, men corresponding 1989 August opening of Xi'an branch; at the end of last year, the CBRC issued the private financial services management, compliance with the rules of the Bank of East Asia, will be a scheduled in the hinterland and the listing of products at the same time delay waiting 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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"Epigenetic" Kyu-reward is considerable. QDII (qualified domestic institutional investors) the Govenrment of business reputation is not expound the 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 in place in future posts will probably like in China, in China's financial system in place, in the position in market share, they are hopeless and accounts for foreign banks in China with a market share of 60%-70%.
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At the moment, despite the closure of the significance of the mark is greater than the actual significance — they are also required to the recipient over a period of time (CBRC) look after the ability of lenders pulled from business, "but once you let go, we push the speed of the new business will be special scared. "A foreign branch of the Bank said.
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Only bottleneck.
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Currently, most banks and expansion of one is not a policy, nor is it funds, most headache is financial they lack.
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HSBC said before in China can not find enough with selected to support its expansion design. HSBC China business CEO Ung Tomizawa, seek sufficient experience of the staff 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 a total experience of the less environment management banking business of high rise. ”。.
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His opinion underlines the fact that the cause of China's financial term before World War II in the violent. This field is not only the war broke out between the banks, but also broke out in Chinese banks and foreign banks, and even broke out in foreign banks in China.
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According to the press, the fourth-quarter release of the field before the usurpation of warfare has intensified, particularly foreign direct investment in China between banks scramble for customers who have experience in the way the team has launched a special intensity. In order to "usurp" and "anti-seize" foreign competition open offer code, in this intense competition, as well as the outbreak of a foreign bank account optional matter team focus is big departments came, moved to another position of banks.
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HSBC is expected this year in China will employ 1000. The current row is the number of employees in the hinterland is 3000.
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Organisations also design in international terms as if the number of employees. Standard Chartered Bank, this is not completely true to employ object. Last year, the number of employees in China that line from 1200 to $ 2200.
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