招商銀行轉(zhuǎn)型[技術(shù)專攻]

1、LOGO 1專業(yè)課 目錄目錄 招招 商商 銀銀 行行 簡(jiǎn)簡(jiǎn) 介介 招招 商商 銀銀 行行 產(chǎn)產(chǎn) 品品 與與 服服 務(wù)務(wù) 招招 商商 銀銀 行行 第第 一一 次次 轉(zhuǎn)轉(zhuǎn) 型型 招招 商商 銀銀 行行 第第 二二 次次 轉(zhuǎn)轉(zhuǎn) 型型 Add Your Text in here 2專業(yè)課 招招 商商 銀銀 行行 簡(jiǎn)簡(jiǎn) 介介 成立于1987年4月8日，是中 國(guó)第一家完全由企業(yè)法人持股 的股份制商業(yè)銀行，總行設(shè)在 深圳。自成立以來，招商銀行 先后進(jìn)行了四次增資擴(kuò)股，并 于2002年3月成功地發(fā)行了15億 普通股，4月9日在上交所掛牌 （股票代碼：600036），是國(guó)內(nèi) 第一家采用國(guó)際會(huì)計(jì)標(biāo)準(zhǔn)的上 市公司。

2、 3專業(yè)課 招招 商商 銀銀 行行 產(chǎn)產(chǎn) 品品 與與 服服 務(wù)務(wù) 從從1995年年7月發(fā)行的月發(fā)行的“一卡通一卡通”是招商銀是招商銀 行向社會(huì)大眾提供的、以真實(shí)姓名開戶的行向社會(huì)大眾提供的、以真實(shí)姓名開戶的 個(gè)人理財(cái)基本賬戶，它集定活期、多儲(chǔ)種個(gè)人理財(cái)基本賬戶，它集定活期、多儲(chǔ)種 、多幣種、多功能于一卡，具有、多幣種、多功能于一卡，具有 “安全、安全、 快捷、方便、靈活快捷、方便、靈活”的特點(diǎn)。的特點(diǎn)。 “金葵花金葵花”理財(cái)是招商銀行面向個(gè)人理財(cái)是招商銀行面向個(gè)人 高端客戶提供的高品質(zhì)、個(gè)性化綜合高端客戶提供的高品質(zhì)、個(gè)性化綜合 理財(cái)服務(wù)體系，涵蓋負(fù)債、資產(chǎn)、中理財(cái)服務(wù)體系，涵蓋負(fù)債、資產(chǎn)、中

3、 間業(yè)務(wù)及理財(cái)顧問等全方位金融服務(wù)間業(yè)務(wù)及理財(cái)顧問等全方位金融服務(wù) 。 繼繼2002年率先在國(guó)內(nèi)發(fā)行國(guó)際標(biāo)準(zhǔn)年率先在國(guó)內(nèi)發(fā)行國(guó)際標(biāo)準(zhǔn)信用信用 卡卡之后，招商銀行先后推出了粉絲卡、航之后，招商銀行先后推出了粉絲卡、航 空卡、百貨卡、商務(wù)卡、白金卡、無限卡空卡、百貨卡、商務(wù)卡、白金卡、無限卡 等創(chuàng)新特色產(chǎn)品，廣受市場(chǎng)好評(píng)。等創(chuàng)新特色產(chǎn)品，廣受市場(chǎng)好評(píng)。 產(chǎn)品產(chǎn)品 與服務(wù)與服務(wù) 4專業(yè)課 1995年初年初 1998年年 2005年年 總行成立儲(chǔ)蓄信用卡部，總行成立儲(chǔ)蓄信用卡部， “一一 卡通卡通”就是由此發(fā)展起來。就是由此發(fā)展起來。 總行設(shè)立個(gè)人銀行部總行設(shè)立個(gè)人銀行部 零售銀行部零售銀行部 Rea

4、lity IdentityCreativity 向零售銀行轉(zhuǎn)型的浪潮中，歷來把零售業(yè)務(wù)做 得讓同業(yè)推崇的招商銀行，希望在未來35年 間將其零售業(yè)務(wù)比例提高到40%這是到目前為 止國(guó)內(nèi)銀行業(yè)務(wù)轉(zhuǎn)型所公開提出的最高目標(biāo)。 招行的零售業(yè)務(wù)從機(jī)構(gòu)的角度看經(jīng)歷了3次變遷。 5專業(yè)課 招招 商商 銀銀 行第行第 一一 次次 轉(zhuǎn)轉(zhuǎn) 型型 20032003年，以年，以“調(diào)整結(jié)構(gòu)調(diào)整結(jié)構(gòu)”為主旨為主旨 v盈利增長(zhǎng)遠(yuǎn)遠(yuǎn)超過總資本的增長(zhǎng)，不良率迅速下 降，08年的時(shí)候，美國(guó)的波士頓咨詢公司把招行 評(píng)為凈資產(chǎn)收益率全球銀行之首。 v招行第一次轉(zhuǎn)型是比較成功的，并發(fā)展成為業(yè)界 公認(rèn)的“最佳零售銀行”，零售業(yè)務(wù)已經(jīng)占整個(gè)

5、 業(yè)務(wù)35%，中小企業(yè)已經(jīng)占業(yè)務(wù)50%，我們的非利 差收入，就是中間收入占整個(gè)收入的22%左右。 v一次轉(zhuǎn)型通過借助互聯(lián)網(wǎng)、IPO以及并購(gòu)，成功 完成了向零售銀行的轉(zhuǎn)型，為招行發(fā)展奠定了很 好的基礎(chǔ)。 零售業(yè)務(wù)中間業(yè)務(wù) 中小企業(yè) 業(yè)務(wù) 三大 業(yè)務(wù)目標(biāo) 6專業(yè)課 招招 商商 銀銀 行第行第 二二 次次 轉(zhuǎn)轉(zhuǎn) 型型 以較低的資本消耗獲得較高的回報(bào)率以較低的資本消耗獲得較高的回報(bào)率 實(shí)現(xiàn)資本 回報(bào)的最 大化降低資 本消耗 在加強(qiáng)風(fēng)險(xiǎn)控 制的前提下降 低成本 提高定 價(jià)能力 7專業(yè)課 招招 商商 銀銀 行第行第 二二 次次 轉(zhuǎn)轉(zhuǎn) 型型 v2009年中，招行的半年報(bào)顯示： 凈利潤(rùn)同比下降凈利潤(rùn)同比下降3

6、7.6 37.6 下降幅度居于國(guó)內(nèi)14家上市銀行前列 同行競(jìng)爭(zhēng)壓力 股東的壓力 金融危機(jī)的深化 監(jiān)管機(jī)構(gòu)對(duì)于銀行 的資本約束和風(fēng)險(xiǎn) 管理方面越發(fā)嚴(yán)格 8專業(yè)課 日益高漲的理財(cái)需求 原有理財(cái)產(chǎn)品、服務(wù)Wed2.0技術(shù) 80后后 一站式一站式 服務(wù)服務(wù) 招行的零售部門按照二次轉(zhuǎn)型目標(biāo)，推出了以資源整合 、統(tǒng)一平臺(tái)為主旨的“I理財(cái)”互動(dòng)網(wǎng)銀平臺(tái)。 招招 商商 銀銀 行第行第 二二 次次 轉(zhuǎn)轉(zhuǎn) 型型 以資源整合、統(tǒng)一平 臺(tái)為主旨的“I理財(cái)” 互動(dòng)網(wǎng)銀平臺(tái) 解決了專業(yè)理財(cái)網(wǎng)站無法買賣產(chǎn)品的問題，又解決了傳統(tǒng)解決了專業(yè)理財(cái)網(wǎng)站無法買賣產(chǎn)品的問題，又解決了傳統(tǒng) 網(wǎng)銀單向的、僅以交易為主的缺陷。網(wǎng)銀單向的、僅

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