2017专硕第二章 银行经营战略选择.pptVIP

第二章 银行的经营战略选择 第一节银行业务经营战略类别 一、商业银行的业务范围及经营模式 全能银行与专业银行 商业银行与投资银行 零售银行与批发银行 公司金融、同业金融与消费者金融 电子银行与直销银行 私人银行与交易银行 第二节 案例分析 高盛集团转型为银行控股公司 中国商业银行进军投资银行业务领域 英国银行回归商业银行主体 INVESTING LENDING We invest in and originate loans to provide financing to clients. These investments and loans are typically longer-term in nature. We make investments, some of which are consolidated, directly and indirectly through funds and separate accounts that we manage, in debt securities and loans, public and private equity securities, and real estate entities. 英国几大银行经营战略变革的启示 专业化、综合化与国际化是一个动态的选择过程 规模、市场份额、大的地理区域及产品的多元化都不是竞争的制胜法宝 突出核心能力和体现核心竞争力至关重要 目前Barclays的业务板块 Retail and Business banking Barclaycard Investment Bank Corporate Banking Wealth and Investment Management Retail and Business Banking Primary income source: Interest and fee income Description: We accept customer deposits in exchange for interest payment. We lend these funds, for an interest charge, to individuals and businesses looking to grow and make meaningful contributions to the economy. Barclaycard Primary income source: Interest income and transaction fees Description: We facilitate and simplify the flow of funds between customers and businesses for a small percentage of the transaction and, in the case of credit cards, we earn interest income on credit balances. Investment Bank Primary income source: Trading income and fee income Description: We provide clients with financial and transaction advice, assistance with capital raising, trade execution and risk management for which we earn trading and fee income. Corporate Banking Primary income source: Interest and fee income Description: We provide clients with banking, cash management and financing services, in exchange for interest and fees, to facilitate growing businesses’ ability to conduct business both domestically and internationally. Wealth and Investment Management Primary income source: Interest and fee income Description: We help affluent customers to grow and