Traditional Culture Encyclopedia - Traditional stories - What is the first priority of the Bank's 14th Five-Year Plan to transform its business development model
What is the first priority of the Bank's 14th Five-Year Plan to transform its business development model
(i) Developing financial holding groups. Law-abiding, well-governed financial holding groups have unparalleled advantages over other types of financial enterprise models in terms of economies of scale, economies of scope, synergies and reduction of industry risks arising from a single financial business. Building a financial holding group with international competitiveness, demonstrating the strong power of China's financial industry, the pioneering and innovative spirit, sentiment and efficiency of Chinese financiers, supporting the country to cope with the strategic game of the great powers, deepening the industrial integration and restructuring, and with the support of powerful financial science and technology, establishing a financial holding group with mainstream commercial banks as the parent body and covering the business fields of banking, insurance and securities will be One of the major explorations in the reform and innovation of the banking industry's business model during the "14th Five-Year Plan" period. (ii) Capital-light operation will become the first choice of bank strategy. In recent years, the credit risk accumulation and outbreak of a large area, from the surface seems to be the national economic cycle of the stage performance characteristics, but the deeper reason is the "indirect financing-led" financial system and the banking industry, "high capital consumption" business model of the combined effect of the results. The result. During the "14th Five-Year Plan" period, strengthening the financial operation mode of light capital, light assets, light cost and high capital turnover is the general choice of the commercial banks whose profitability ranks in the first echelon. Only by fully promoting the "capital-light" transformation can banks effectively control various types of credit risks in a more complex economic growth environment, get rid of the vicious cycle of cyclical exposure of credit risks, and ensure that the development of the banking industry is stable and far-reaching. (iii) Optimizing and adjusting network and human resources to promote capital-light operation. As the level of bank digitization improves, and customers' financial consumption and investment "shift from real to virtual", the physical channels of traditional bank branches will undergo large-scale supply-side structural reforms and adjustments and optimization. It is expected that during the "14th Five-Year Plan" period, the optimization and adjustment of China's banking outlets will focus on improving the customer experience of outlets, promoting the electronic process of customers, optimizing the combination of outlets, optimizing the location and design of outlets, strengthening the application of fintech in outlets, enhancing the efficiency of middle- and back-office operations, reconfiguring the main focus of the customer segments and the content of the services of the outlets, and speeding up the transformation of the traditional tellers, as well as enhancing the competence and quality of the staff. The company's main goal is to improve the quality of its products and services, and to improve the quality of its employees.
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