银行盈利的新模式

Transformation Of China's Banking Earning

银行业“免费服务”的时代正悄然离去,这也印证银行盈利模式转型时刻的到来。

Chinese banking faces a dramatic transformation over the next tena years, with the source of its earnings in for significant change. Currently 90% of domestic banks' profits come from corporate lending. But the predictions are that in 5-10 years, earnings from this sector will decline by more than half as profits from retail banking increase from the current 10% to 50%. A recent McKinsey survey shows that profits in China's retail banking have reached 32 billion US dollars with an average growth rate of 18% in recent years. When foreign banks joined in the competition 2 years ago, their targetting of high-end customers put domestic banks under great pressure as they lack risk- assessment skills in retail lending and a sales-and- service culture in their operations, which focus primarily on processing deposit account transactions and corporate banking. Competition to acquire a share in the credit card, consumer credit and mortgage loan business is therefore expected to boom in the coming years. And Chinese bankers are beginning to realize where their weak points lie and how to address these.