中国农业银行发展0111Word格式文档下载.docx

中国农业银行发展0111Word格式文档下载.docx

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TheFactorsWhichAffectIntermediaryBusinessDevelopmentoftheAgriculturalBankofChina

Whetherintermediarybusinesscansucceeddependsonmanyfactors.TheAgriculturalBankofChina（AgriculturalBankofChina=ABC）isnotanexception.Ithasmanyadvantagesaswellasmanyrestrictions.BasedonpreviousanalysisofintermediarybusinessissuesandpresentintermediarybusinessdevelopmentconditionoftheAgriculturalBankofChina,thisthesislistsABC’sadvantagesanddisadvantagesonintermediarybusinessthroughmakingaquestionnairetocollectdataaboutpresentintermediaryconditionofABC.Thedatawereinnominatelycollectedfrom100presentinterioremployeesinTianjinBranchofABC.Inthefollowingpart,theauthorwillmakeinductivestatisticswiththecollecteddata,andwillanalyzethesefactorsonebyone.

7.1AgriculturalBankofChina’sAdvantagesinIntermediaryBusinessDevelopment

7.1.1Bankoutletsallthroughthecountry

Onoutletconstruction,ABCenjoysanobviousregionaladvantage.Accordingtothequestionnaire,98%intervieweesagreethatABC’soutletdistributionandthearrangementofthebranchesandsubbranches’amountarereasonable.AccordingtotheofficialhomepageofABC,bythefirsthalfof2009,AgriculturalBankofChinahas42firstclassbranches,8directbranches,1headofficedepartment,and5trainingschools.Theycanbasicallymeetthedailydemand.Fromthenorthtothesouth,fromthesnow-coveredplateautotheeastseacoastarea,fromtheprosperousmetropolistotheremotecountry,whereveryouareinChina,youcanfeelABC’sexistence.Full-orderoutletdistributionsetsaconvenientconditionforitsbusiness,especiallyprofessionalandsystematicbusiness.Meanwhile,ABChassetupbranchesinSingaporeandHongKong,aswellasrepresentativeofficesinLondon,Tokyo,NewYorkandsoon.Thishasbasicallymettheoverseasclients’bankbusinessdemand.However,thereisstillalargepotentialmarketintheoverseasbusinessforABC.Accordingtothequestionnaire,only45%intervieweesthinkthattheoverseasrepresentativeofficesareenough,andthereislargemarketpotentialforABCtoexploit.

7.1.2Thegreatvarietyofbusinessitems

OutletsofAgriculturalBankofChinaarewidespreadalloverChina.ThismakesABCalargescalestate-ownedcommercialbankwiththemostoutletsandthewidestradiationscopeofbusinessinChina.ABC’sbusinesshasextendedfromoriginalruralcreditandsettlementoperationstoallbusinessitemsofdomesticandforeigncurrency,providingvariousfinancialbusinessacceptedbyhomeandinternationalsociety.Accordingtothequestionnaire,73%intervieweesthinkthatpresentintermediarybusinessitemsarerelativelycomplete.Andforconcretebusiness,52%intervieweeschosethatcorporatebusinessisdevelopingbetter,and48%intervieweespreferredmoneymanagementbusiness.Incorporateintermediarybusiness,corporatecounselingandmoneymanagementarethemostpopulartwo,whilemonetaryfundandmoneymanagementcounselingrankthetoptwoamongmoneymanagementbusiness.FromthesurveyitiseasytoseethatAgriculturalBankofChinahasbeendevelopingrapidlytovaryitsintermediarybusiness.However,moresupplementaryworkisneededinthelongruntomakeallintermediarybusinessdevelopingharmoniously.

7.1.3Clientscenteredbusinesssystem

AgriculturalBankofChinacoversthevastestbusinesssector,ownsthemostclientsandoffersthewholesetofbusiness.99%oftheemployeeshaveacceptedtherationalityofthebusinesssysteminthequestionnaire.ABC’sbusinessiscoveringthecities,countriesinChinaandevenallovertheworld.Theclientswhosejobscovermuchjobfieldsarediversified.Thebusinessnotonlyincludesthetraditionalmeanssuchascounterbusiness,door-to-doorbusiness,butalsopromotesthehightechnologybusinesslikeTelephoneBanking（95599）,PersonalOnlineBankingandself-businessbankingsystem.Eventhough,thecounterbusinessisstilloccupythedominantposition.Thequestionnairesurveyshowsthat62%ofthepeoplethinkthecounterbusinesshasanadvantageintheimplementation.Meanwhile,thePersonalOnlineBankingandTelephoneBankingbusinesswhicharerespectivelyacceptedby34%and29%oftherespondentshavegainedthehighestdegreeofrecognitionamongtheintermediarybusiness.Besidestheregularfinancialproductsathomeandabroad,ABCalsohasestablishedbridgesforclientsamongtheareasofsecurities,insuranceandfund,etc.andevenextendedintoeverycornerofthesocio-economicdomain.Inaddition,itcantailor-makethefinancialproductsaccordingtoeveryclient’sspecificrequirements.What’smore,itcanprovidethe“packagefinancialscheme”fortheclientgroupswithspecificworkingdomainsbytheadvantageofoutletsintothecounties.Theabundantclient-orientedmanagerswillprovidethebusinessforthehigh-valueclients.Therefore,thecustomer-centeredbusinesssystemhasbecomeanindispensablefactorinthecompetitiveedgeinAgriculturalBankofChina.

7.1.4Powerfulandadvancedelectronicnetwork

RelyingonthenetworkalloverChinaandemployingtheglobalcutting-edgetechnologies,ABChasestablishedthelargestdomesticfinancialelectronicnetworkandrealizedthenation-wideinterconnectiontreatmentforsettlementbusiness.Onlinenetwork,ATMandPOSnetworkhavecoveredeverycityofChina.Theclientswouldfeeltheconveniencebroughtbythemoderntechnologyanytimeandanywhere.Thepowerfuladvancedelectronicnetworkhasalsobeenrecognizedbytheemployeesand94%ofemployeesthinkthattheexistingelectronicsystemsareabletoprovideclientsthefastestandmostconvenientbusiness.What’smore,nearly80%oftheemployeesclaimthatmorethanaquarterofe-bankingintermediarybusinessescanbeaccessibletothemeveryday.Andthisproportionwillberapidlygrowingbyleapsandboundswiththeacceleratingpaceandenhancinggeneralstrengthofinformationtechnologyconstructioninthefuture.Atpresent,thedataoperationcenteroftheheadofficeshowsthatthedailytradingvolumehasalreadyreachednearly8milliontakingupaquarterofdailytradingvolumeofABISsysteminABC.Thedomesticdatacenterhasenteredtheoverallconstructionphase.Wecanseethatthee-intermediarybusinesswillbecomethefocusinABCinthefuture.

7.1.5Bankcardrelatedtodailylife

BankingcardtransactionhasalwaysbeenthecorebusinessindevelopingtheABC’sintermediarybusiness.68%oftheABC’Semployeesareabletodealwith40%-60%bankingcardrelatedbusinesseveryday.Thisshowsthebankingcardbusinessownsthecorepositionintheintermediarybusiness.EspeciallythepopularityofATMhasguaranteedtheconveniencewhenusingtheABC’sbusinesses.34%and56%oftherespondentsrespectivelyindicatethatthereareatleasttwoandoneABC’sATMaroundtheirlivingsurroundings.Withtheconvenientelectronicbankingmeans,peopleinevitablychoosetheABC’sbankingcardbusiness.Relyingontheadvancedelectronicmeans,“GoldenSpikeCard”hasformedacity-centricbusinessnetworkcoveringthewholecountry.What’smore,ithasbeendeepintopeople’sbasicnecessities,becominganindispensabletoolforfinancialmanagementandmeansforpaymentandsettlement.UntiltheJunein2009,theissuingvolumeofbankingcardhasreachedto420million.Thebusinessearningsofbankingcardbusinesskeepsustainableincrease.Thequestionnaireshowsthatmorethanhalfoftheemployees’relativesknowclearlyaboutthespecificcontentsof“GoldenSpikeCard”business.Fromauthorangle,thiscanalsoreflectthatthebusinessproductsarematuringandthemarketsharesareincreasingyearbyyear.

7.1.6Effectivehumanresourcemanagement

ABCvigorouslyimplementsthetalentforcedstrategyandsparesnoeffortstoexploretheestablishmentoftheincentiveandrestraintmechanismsforhumanresourcesaccordingwiththerequirementofmoderncommercialbanks.Ithasbeenmaintainedthepreferablerationalityinthestaffpositioningconstructionwhichisagreedby88%oftheemployees.Atthesametime,ABChasalsoattachedgreatimportancetotherecruitment,training,selectionandappointmenttosteadilyimprovethescientificandsystematicstandardsofhumanresourcesmanagement.Inaddition,ABChasmadeeffortsinthepersonnelselectionandappointmentregulationwhichhavebeensatisfiedby70%oftheemployees.ABCconsistentlyinsistsontheorganizationandmanagementsystemfocusingonthefullstaffstudy,thewholeprocesslearningandlifelonglearning.What’smore,ABChascontinuouslyimprovedtheoverallqualityandstructurearrangementofstaffs,andstrivestobuildastudy-orientedbank.Itattachesgreatimportancetostafftraining,carriesintoextensiveapproachesandenhancesthequalityoftrainingthroughavarietyofways.Theremotetrainingnetworkconstructionhasalsomadesubstantialprogress.Astothejobtraining,ontheonehanditcanaverageuptheemployees’overallbusinessandtheirlevelofknowledge;

ontheotherhand,ithasplayedavaluableroleinemployee’spersonalcultivationandpromotion.81%oftheABC’semployeesshowthatjobtrainingexperienceshelpthemtoachievetheidealdesiredeffects,whichillustratestheeffectivenessofvocationaltrainingintheworkingprocess.

7.2AgriculturalBankofChina’sDisadvantagesinIntermediaryBusinessDevelopment

7.2.1Intermediarybusinessitemsarenotmany,withasingularmethod

Accordingtothequestionnaire,84%oftheemployeesthinkthattheintermediarybusinesswhichABChasexploitedcannotmeetthemarketdemand.Themainproblemliesinfewvarietiesandsinglemeans.Affect