Financial activity planning scheme As an economic activity, financial activity must have a certain subject of economic activity. All subjects of economic activities are involved in various financial activities, and they are more and more skilled and participate in financial activities more and more frequently. Look at the financial activity planning scheme.
Financial activity planning scheme 1 financial activity planning scheme-the basis of financial activities
What is financial activity?
Financial activities, as an economic activity, inevitably need a certain subject of economic activities. The subjects of financial activities are mainly enterprises, units, individuals and government departments engaged in various economic activities. In modern economic society, all subjects of economic activities are involved in various financial activities, and they are more and more skilled and frequently involved in financial activities.
What is financial activity?
Financial activities: financial activities
Financial activities refer to economic activities directly related to money, currency circulation and credit.
Financial activity function
Under the condition of market economy, the main function of financial activities is to realize the distribution of monetary funds among various departments and units of the national economy through various indirect and direct financing forms. This distribution is different from the compulsory and unpaid nature of finance, and it takes place in the form of exchange according to market rules. It is in the process of individual pursuit of interests that the flow and distribution of monetary funds among various departments of the national economy are realized macroscopically.
In addition, financial activities have become the core of all economic activities, and financial activities are always reflected through financial markets. When economic and financial activities transcend national boundaries, traditional international financial markets emerge as the times require and occupy a special position in international economic life.
Matters needing attention in financial activities
To understand the process of financial activities, we need to pay attention to the following points.
1. Financial activities revolve around different financial instruments.
2. Financial institutions play an important intermediary role in financial activities.
3. Around the occurrence of financial activities, a financial market has been formed.
Financial activity planning scheme II Financial supermarket scheme-what financial supermarket?
What is a financial supermarket?
At present, financial supermarkets are quietly emerging in China and are expected to become a new trend of commercial banks. Financial supermarkets have been established in Beijing, Shanghai, Zhejiang and Dalian. Financial supermarket is a comprehensive business model that banks integrate their products and services through business cooperation with insurance companies, securities companies, real estate companies and other peer institutions to provide customers with a variety of financial products and value-added services.
definition
The so-called financial supermarket refers to the organic integration of various products and services of financial institutions, and through cooperation with various social institutions and departments such as insurance, securities, evaluation, mortgage registration and notarization, it provides enterprises or individual customers with an integrated operation mode covering a variety of financial products and value-added services.
form
All-round business
The development of financial supermarkets is mainly manifested in the omnipotence of business. Banking, insurance, securities and other financial services will be gradually integrated. Banks began to set foot in the capital market or financial derivatives market, and a large number of non-bank financial products and their derivatives became the main products of banks today. From the perspective of income, the income brought by traditional business to banks has been less than 40%. The second is the integration of banking and insurance. Since 20 13, insurance products of Ping An, Xinhua, Pacific, China Life and other insurance companies have set up agents in some commercial banks and postal savings offices. In the long run, the advantages outweigh the disadvantages for banks, insurance and consumers.
Advantages of all parties
For banks, because their existing network can be paid by insurance companies, and further provide customers with all-round financial services, thus strengthening customers' dependence and trust on banks, making customers more closely linked with banks and consolidating the position of banks relative to other competitors;
For insurance companies, through the integration of banking and insurance, they can enter the powerful influence network of banks more quickly, and the cost of distributing products through banks is actually lower than that of other ways (such as insurance agents);
For consumers, they will get chain-like financial services, thus greatly reducing the comprehensive cost. On a large scale. On the other hand, financial supermarkets are large in scale. The bigger the financial institution, the lower the cost-income ratio, the more concentrated the market share and the better the operating efficiency.
develop
general situation
Since the establishment of the first financial supermarket in 2007, financial supermarkets have risen quietly in China and are expected to become a new trend of commercial banks. Financial supermarkets have been established in Beijing, Shanghai, Zhejiang and Dalian.
China Agricultural Bank Shanghai Branch has put forward such a service concept: As long as you belong to China Agricultural Bank, you can get all-round financial services including food, housing, health, investment and wealth management, house purchase and so on. On the shelves of the bank financial supermarket;
At the same time, major banks in Shanghai have also established "self-help financial supermarkets" and "barrier-free banks" to provide sign language services for deaf-mute customers, as well as personal micro-loan business with bank deposit certificates;
In addition, ICBC Zhejiang Branch launched a new financial service project "Personal Finance" in the service innovation project, making the original savings office with a single deposit and withdrawal into a financial supermarket with functions of deposit and withdrawal, loan, consultation and agency.
There are no related cases about the development of new financial supermarkets in China, and the market is blank.
Service brief introduction
Financial supermarket is a comprehensive business model that banks integrate their products and services through business cooperation with insurance companies, securities companies, real estate companies and other peer institutions to provide customers with a variety of financial products and proliferation services.
function
"Financial supermarkets" are not uncommon in developed countries. In many countries and regions, there is no concept of "bank savings office". The financial outlets scattered on the street can undertake almost all conventional financial business. When foreign consumers enter a multi-functional "financial supermarket", just like entering a supermarket, all kinds of financial needs from credit cards, foreign exchange, cars and housing loans to insurance, bonds and even taxes can be met.
In Japan, many banks provide consumers with one-stop financial services integrating banking, life insurance and other agency services.
In China, due to the closed property rights structure of banks and the influence of local protectionism, there are few mergers and acquisitions between banks. 1In March, 1999, China Everbright Bank took over the creditor's rights and debts of the former China investment bank and its business outlets in the same city as a whole, which was the first step for China's banking industry to restructure its assets according to market principles. With the scale benefits of Everbright Bank's acquisition of the original investment bank gradually emerging, more commercial banks will embark on the road of merger and reorganization, resulting in a number of large banks with sufficient capital, strong assets and wide business scope.
Financial supermarket is a people-oriented business process, which emphasizes service. The service mode of existing domestic banks is "coming and going" mode, and banks around ICBC want to buy a house and go to CCB, all of which are "coming and going". In fact, they are "looking" abroad. Find out the customers they serve and who are my loyal customers, and develop them. This method has the best insurance performance and the best insurance performance in China.
Running die
Under the premise of relying on computer and network technology to ensure the safety of operation, financial supermarkets work together with notarization, insurance, mortgage registration institutions and distributors to open their business and narrow the distance with consumers; By adjusting the internal business process, the whole process of business consultation, investigation, review, approval and post-loan management will be completed in a compliant and orderly manner, and under the premise of effectively preventing risks, one-stop full-process services will be provided to customers to improve work efficiency; It is necessary to provide traditional services such as consultation, deposit and withdrawal, settlement, etc., and promote personal intermediary services such as personal financial management and agency of open-end funds with consumer credit as the leading factor; Equipped with corresponding professionals to provide specialized financial services; Financial supermarkets should have their own characteristics and launch a number of professional models such as housing, automobiles and comprehensive consumer loans. In addition, conditional financial supermarkets can also provide corporate business and institutional business closely related to personal business.
function
Unlike foreign financial supermarkets, which can provide customers with almost any financial products under the condition of mixed financial operation, Chinese financial supermarkets are generally not allowed to directly handle insurance and securities business due to the limitation of separate business model. Its main function is to comprehensively handle the debt business mainly based on personal deposits and withdrawals, the asset business mainly based on housing, automobiles and comprehensive consumer loans, and the complex intermediary business mainly based on receipts and payments, RMB settlement, bank cards, personal financial consultation, financial consultants, safe deposit boxes and guarantees. According to the needs of business development, it will also increase the functions of open-end fund consignment, personal foreign exchange firm trading, foreign exchange futures, financial leasing and so on.
Organization setting
In order to improve the level of credit management, appropriately improve the management level, prevent credit risks, be close to customers, and handle business conveniently and quickly, financial supermarkets, as a new organizational carrier for specific new business management, are generally grafted or transformed from existing city branches with reasonable asset-liability ratio, good credit assets quality, continuous profits for two years and high credit management level. The president of the branch or the person who has the right to approve the loan, and the person in charge of the business (department) organization is the supermarket manager, and the president of the branch is authorized to undertake the review responsibility. There are 3-5 account managers engaged in field investigation, and 5 counter consultation and business acceptance personnel. Based on the principle of full service of business acceptance personnel, they coordinate different internal personnel to handle business for customers.
market access
brief introduction
As a new organization carrier, financial supermarket must have market access conditions such as organizational system innovation, business system innovation, policy system innovation and product system innovation. The access conditions of organizational system innovation include not only the relevant index requirements mentioned in organizational setup, but also the need for financial supermarkets to reposition in the existing bank organizational framework. It is not an isolated and independent professional bank, but a bridge for direct communication between the whole commercial bank and the vast number of social customers in a certain financial region. It is necessary for the superior bank to coordinate and handle the division of labor and cooperation with other banks.
The access conditions of business system and innovation are to scientifically adjust internal business processes, design effective business processing processes, coordinate and complete business consultation, investigation, review, approval and post-loan management according to the operating requirements of financial supermarkets, and provide customers with full-process services efficiently and conveniently.
Access conditions
The access condition of policy system innovation is to revise the corresponding management methods and systems according to the organizational system and business system of financial supermarkets, and establish the management methods, business authorization classification management system and risk control system of financial supermarkets. The access condition of product system innovation is to start all kinds of businesses in an all-round way, especially to make a breakthrough in consumer credit business on the premise of effectively preventing credit risks, and to start new businesses in an all-round way according to the development of the situation.
The access conditions for product system innovation are to fully start the existing creditor's rights, intermediary business and asset business, adapt to the trend of mixed financial operation, increase cooperation with insurance companies, develop securities cooperative products, launch collaborative and agency financial products, and open a bank-securities transfer system to fully meet the effective needs of customers.
The access condition of technical support system innovation is to establish a comprehensive business processing software system corresponding to the operation of financial supermarkets. As soon as possible, it is necessary to reorganize and rebuild the personal banking information systems of all banks, not only to make breakthroughs in the design ideas, service functions, system integration and system management of business processing systems. And it is necessary to establish a unified and efficient information management system based on network, which integrates management decision-making, business processing and customer service. Specifically, it is necessary to build an "accounting processing platform" to realize the integration of existing savings, personal credit and credit card systems; Building a "customer information management platform" to realize the integration of various business processing subsystems and management decision support systems; Build a "customer service platform", realize the integration of self-service banking, online banking and mobile banking subsystems, give play to the role of online banking, and build a financial supermarket service center.
development prospect
Other forms
All the above financial supermarket models are the vertical integration of bank products and the integration of internal products, but we often realize that we don't have to go to a bank to complete all financial services, but we need to horizontally integrate and compare different products of various banks. This gave birth to another form of financial supermarket, also known as credit supermarket.
Suggestions on standardization development
Effectively strengthen organizational leadership and strive to run financial supermarkets well.
Implement a moderate tilt policy to promote the rapid development of financial supermarket business.
Do a good job in marketing and increase publicity.
Strengthen management to ensure the orderly operation of financial supermarkets.
Development direction and necessity
The development of world economic integration and financial globalization makes the international financial industry develop in the direction of collectivization, integration and diversification. With this change and China's entry into WTO, China's financial industry should conform to the situation, build a "financial supermarket" in time and develop into a platform with comprehensive business and functions, so as to be invincible in the future competition.