马蔚华招行二次转型内涵（Ma Yuhua China Merchants Bank two transformation connotation）.docVIP

马蔚华招行二次转型内涵（Ma Yuhua China Merchants Bank two transformation connotation） Text / reporter ho harmonic For the first time the transformation is successful, China Merchants Bank to accelerate development, and by the international authoritative media as the first global brand value increase. In 5 years later, China Merchants Bank has opened second transformation of the more arduous and profound thinking of development. So, what is the core content of China Merchants Bank second transformation? China Merchants Bank is how to promote the brand strategy? Recently, the reporter interviewed the China Merchants Bank President Ma Yuhua on the sidelines of a conference. From the first to the second transition transition After second times of transformation, our business development will be the pursuit of what kind of profit target? In saving capital, capital consumption at a minimum, to maximize profits. Ma Yuhua said. The rich magnetic northeast accent, and always keep neither fast nor slow speed, the language features of Ma Yuhua to answer the question. He told reporters in a comparative way, if banks are wholesale loans are large enterprises, so, the risk weight is 100%; and the development of the retail business, the risk weight is 50%, saving capital; if the development of intermediary business, will not consume capital. If you do not consume the bank capital and the highest profit, rarely, this competitiveness is the strongest. Ma Yuhua said, in order to achieve this goal, China Merchants Bank is experiencing the first transition to the transition phase transition for the second time. Then, the second transition in what is a sign? Ma Yuhua said that the business is changing from extensive to intensive, the key is to strive to improve the level of risk pricing, capital efficiency, cost efficiency, employee effectiveness and customer value and contribution ratio. So the second transition is an effort in high level based on the first time. The first transition created today