李仁杰：兴业银行顺应趋势 四方面探索转型

LiRenJie: societe generale conform to the trend of transformation of the four aspects to explore

On January 19, 2013, the contemporary financiers magazines and LiuHongRu financial education foundation of the fifth conference held in Beijing, financiers conference theme of "transformation - breakthrough", HeXunWang on this BBS for the whole graphic reports. The bank President LiRenJie pointed out that the financial industry transformation is inevitable, but the road is tortuous. He introduced societe generale in the transformation of the four major exploration, first, to reduce the proportion of indirect financing, and second, the transformation process, avoid all financial institutions homogenization competition, make business characteristics, to realize the differentiation transformation, and the third, the bank service object center of gravity must sink, must turn to for small and medium enterprises, small micro enterprise, retail business, the fourth, in the face of emerging business, internal to cultivate cultural and institutional arrangements, system construction, improve the service ability and risk prevention and control ability.

He said, societe generale listed six years to see the loan business, increasing by an average of 20% asset scale increasing by an average of 30% profit increasing by an average of more than 40%. Societe generale the intermediate business income from past probably less than 10% now gradually close to 20%.

Speak with guests text:

LiRenJie: about transformation, indirect financing, direct financing, capital less, less capital, the bank savings interest margin, other income less. So the social from all walks of life there are many attack, some said that economic development is multiple, is rich, the financial service can't support, not be able to meet.

As the financial industry transformation is inevitable, why the road is tortuous, but the first from the financial industry speaking, in the face of the pressure, the change of concept, system arrangement and so on all the ascension of the power, from the society, the society as a whole for the transformation of the notion of, the arrangement of the system, including the people of the public opinion guidance, we think we also want to have a process.

From our societe generale years exploration, in the face of the large development tendency, we mainly from four aspects to do some exploration.

First, the proportion of indirect financing must be on the decline, and at the same time, China's financial industry participation in the main will be more rich, so our bank should cultivate in addition to the traditional credit outside of the various market capacity, in addition to the credit market, but in fact there are such as capital market, such as money market, even the interbank market, non-bank service market, and so on, I think we are going to to create these services.

Second, in the transformation process, also want to avoid all financial institutions homogenization competition, how to make their own characteristics, differentiation of business transformation, we've also made some exploration, because of the limit of the time I don't launched.

Third, from the bank in the long run, in the traditional credit field, its service object's center of gravity must sink, must turn to for small and medium-sized enterprises, for small micro enterprises, for the retail business, the bank does for great service, along with the progress of the disintermediation change, the bank in the future in the traditional business areas the most loyal customers are small micro enterprise, the bank must put their own the whole management, the service object of subsidence.

Fourth, facing these emerging business, how to cultivate the internal culture, to the arrangement of the system, the system construction, improve the service ability and the ability of risk prevention and control.

This is our years in these four aspects to make efforts, through these efforts we have made gratifying achievements. From our listed six years to see, our bank loan business increasing by an average of 20% asset scale increasing by an average of 30% of our profits increasing by an average of over 40%. In the emerging business, such as custody, etc., our bank of the intermediate business income, probably less than 10% from the past, now gradually close to 20%, so we think in the transformation to break through this way, the future is bright, even though the road was twists and turns, but the future is bright. I think the bank transformation is a grand historical process, we societe generale in this process, as a member of the participation, perseverant, we are hope and the social from all walks of life, and colleagues together, together to explore, to share the transformation, reform of the bonus. Thank you!