Retail is King

Strategy is discarded!

Ma weihua faces, this Chinese most innovative consciousness of bankers, it won the Porter's competitive strategy of three of the taste.

In others the focus in the comprehensive and integrated corporate banking, he launched the "caifuzhanghu" shout out "to do the best retail bank" slogan.

As the seventh President of the small Bank, MA weihua faces seem to subvert the Keynes's classic evaluation — the banker is the most romantic and most impractical — 50-Ma weihua faces considerable self-knowledge and flexible machine that still maintain the sensitivity of the market. Increase the proportion of individual retail business, he was at the strategic and homeopathy.

Because of the potential. Ma weihua faces in the eyes of a potential?

"Capital adequacy is lifeline. "Ma weihua faces apprehension to tell" global entrepreneurs ". Foreign banking business and income structure optimization, its own capital accumulation can meet supplementary demand major domestic commercial profit or loans must channel depends on external financing. Capital accumulation depends on the expansion of the scale of credit, China Merchants Bank look at low-risk, yield stability of private banking.

Ma weihua faces hope China Merchants Bank become Citi, Citi predecessor CEO Walter · Reyes meal and Sandy · Weir is Ma weihua faces example. He noted that Citigroup global business in personal business accounted for 50%. Not only is Citigroup, 2003 the entire United States banking and retail business in occupies more than exceeded 50%, and the public service the wholesale rate of loans had been reduced to half of the following; what made them changed? the answer is after the Asian financial crisis spread of narrowing. At present, China's commercial banks more than 90% of the profits come from the deposit and lending.

China Merchants Bank Assistant Tang Chi-macro "global entrepreneurs", said that the past banks do not attach importance to personal service, but on public wholesale business to a certain degree, if there is no loan replenishment, business development, will encounter bottlenecks. When the Central Bank still on commercial banks and lending ratio management, savings deposits as the most important non-loan funding role became more important. This is why last year joint-stock Bank of the major business strategy.

"Due to the macroeconomic uncertainty, Bank select retail banking as the development of breakthrough comparison with international capital market," United Kingdom Cazenove Group Beijing first generation Shi-ping analysis. China Merchants Bank to set up an account, just increase the wealth of retail business income. Shi-ping reminded that the Bank's business are not without risk, because of risk spreading, the accumulated, controllable even worse. Especially in personal credit systems yet to be established, on the management challenges are very large.

However, management is quite confident Ma weihua faces. Their careful calculation: personal business in the domestic capital consumption is low, personal mortgage business risk weights of 50%, certain capital support personal loan is a loan of two times, this means that the same risks, same capital can support two times the company's business development.

The Ph.d., Southwestern University of finance and Central Bank plan before the Deputy Director of the Division of funds into the banker role already 5 years, he believed that the increase in personal retail business is the future trend of China's banking industry, and as a Bank, if you grasp things on behalf of the future, will always only be a second stream banks.