Home » Qi Ye, Vice President of China Everbright Bank: To promote the reform of retail organization, the integration of cloud payment business department and digital financial business department has been completed_ Oriental Fortune Net

Qi Ye, Vice President of China Everbright Bank: To promote the reform of retail organization, the integration of cloud payment business department and digital financial business department has been completed_ Oriental Fortune Net

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Qi Ye, Vice President of China Everbright Bank: To promote the reform of retail organization, the integration of cloud payment business department and digital financial business department has been completed_ Oriental Fortune Net


March 28,Everbright BankHeld in 2021performancepress conference. In view of the development and planning of the retail business,Everbright BankQi Ye, Vice President, introduced that in 2021, the bank has established a new goal of retail planning, focusing on “building a first-class wealth management”Bank“Strategic vision, highlighting the two major characteristics of “wealth management” and “financial technology”, supported by the five empowerments of “customers, channels, scenarios, technology, and collaboration”, and building a core covering “wealth management, asset management, and asset custody” The whole chain of big wealth management ecology.

Qi Ye said that by implementing a series of measures and reforms, in 2021Everbright BankThe value creation capability of retail finance has been significantly improved, which is embodied in the following four aspects: First, the profit contribution continued to increase.The proportion of retail revenue reached 41.47%, an increase of 0.32 percentage points year-on-year, a new high in the past three years, maintaining a joint-stock businessBankfront row. Second, the characteristics of large wealth management are more distinct. The year-on-year growth rate of large wealth management revenue reached 29%, of which, the income from asset management, brokerage, and custody increased by 58%, 20%, and 16%, respectively. The third is the realization of both volume and price of assets and liabilities, and the dual-line development of assets and liabilities, driving the retail deposit and loan interest spread to increase by 7BP. Fourth, the scene construction aggregation platform ecology. Financial services were deeply integrated with multiple scenarios, and the transaction volume of “Government”, “Logistics” and “Guangpay” increased steadily.

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Regarding the planning of the retail business in 2022, Qi Ye revealed that, first, China EverbrightBankIt will promote the reform of the retail organization. At present, the integration of the cloud payment business department and the digital financial business department has been completed. It will also promote the establishment of an intelligent customer operation center to undertake the intensive operation of long-tail customers and basic customers, and promote the establishment of a middle-office structure in the retail business. .Second, continue to build a “hyperbolic” development model, continue to cultivate the first offline curve, and promotefinancial managementManager team building, reshaping the outlet operation model, and comprehensively expanding the online “second curve”, including leveraging the advantages of mobile banking private domain traffic management and cloud payment public domain traffic diversion “dual app” advantages. Third, to accelerate the digital transformation of retail, it will build a middle-office structure for retail business, horizontally to build customer management capabilities, and vertically to empower front-line account managers. Fourth, deepen the stratified and grouped operation of retail customers, and comprehensively establish an integrated retail customer operation system with “stratified and grouped, data-driven, channel coordination, and transaction transformation” as the core. The last is to develop the ecological construction of scene finance, through open cooperation and strengthening incubation, to build an open new model of comprehensive operation.

(Article source: Beijing Business Daily)


Article source: Beijing Business Daily

Responsible editor: 43

Original title: Qi Ye, Vice President of China Everbright Bank: Promote the reform of retail organization, has completed the integration of cloud payment business department and digital financial business department

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