外资银行的优势何在（What are the advantages of foreign banks）.docVIP

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外资银行的优势何在（What are the advantages of foreign banks）.doc

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外资银行的优势何在（What are the advantages of foreign banks）

外资银行的优势何在（What are the advantages of foreign banks） Jiaoju foreign bank personal property loans Beijing WIK Ansett investment Company limited by guarantee general manager 2008-3-31 15:03:06 runs the domestic banks existing real estate credit products only 260 kinds, but the foreign bank credit as many as 20 thousand kinds of products. What are the advantages of foreign banks? A, product and brand advantage There is a clear market positioning, attention to product innovation, the scientific analysis of customer and market segments on the basis of introduction of diversified products attractive. The sense of financial innovation of commercial banks in developed countries, in the premise of effective risk prevention, encourage financial innovation, and financial innovation ability, as an important factor to measure the competitiveness of banks. For example, HSBC has launched in the mainland in 2006 July in Hong Kong dollars and dollar based fixed rate mortgage business, and fixed rate loan interest is lower than the floating rate loan interest. Wing Hang, Hang Seng Bank of East Asia, even through the discount business snatch RMB mortgage business. According to the data statistics, the existing domestic banks real estate credit products only 260 kinds, but the foreign bank credit as many as 20 thousand kinds of products. Pay attention to the construction of brand image, focus on product standardization and consistency, the implementation of brand strategy, enhance brand appeal of the product in the public. Two, risk assessment and risk control advantages As the transnational operation of commercial banks, the foreign banks have mature, complete and efficient risk assessment and risk control mechanism, and can ensure that the foreign banks in high risk and information technology in the management environment, prevent various financial risks, to achieve its security, liquidity and profitability of the business objectives. Coupled with the long-term market storm impact and